Sound Financial Bancorp, Inc. (SFBC)
Nasdaq · Savings Institution, Federally Chartered · Finance, insurance and real estate · CIK 1541119 · fiscal year ends in Dec
Closing price $45.07 on 30 Oct 2026; 52-week range $41.06 to $48.90.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $40.3M
- Revenue growth
- 6.0%
- Net income, last twelve months
- $8.0M
- Earnings per share
- $3.12
- Net margin
- 19.9%
- Free cash flow
- $7.3M
- Return on equity
- 7.1%
- Market value
- $115.7M
- Price to earnings
- 14.4x
- Dividend yield
- 1.8%
- Cash
- $120.1M
- Debt
- $7.8M
- Debt to equity
- 0.07
- Shares outstanding
- 2.6M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $38.9M | – | $7.2M | $2.77 | $7.0M | 10-K filed 18 Mar 2026 |
| FY2024 | 31 Dec 2024 | $35.7M | – | $4.6M | $1.80 | $2.9M | 10-K filed 18 Mar 2025 |
| FY2023 | 31 Dec 2023 | $38.9M | – | $7.4M | $2.86 | $6.4M | 10-K filed 22 Mar 2024 |
| FY2022 | 31 Dec 2022 | $39.9M | – | $8.8M | $3.35 | $9.7M | 10-K filed 14 Mar 2023 |
| FY2021 | 31 Dec 2021 | $37.2M | – | $9.2M | $3.46 | $18.8M | 10-K filed 15 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $11.0M | $2.5M | $0.98 |
| Q1 FY2026 | 31 Mar 2026 | $10.0M | $1.6M | $0.61 |
| Q4 FY2025 | 31 Dec 2025 | $9.5M | $2.2M | $0.87 |
| Q3 FY2025 | 30 Sep 2025 | $9.8M | $1.7M | $0.66 |
| Q2 FY2025 | 30 Jun 2025 | $10.4M | $2.1M | $0.79 |
| Q1 FY2025 | 31 Mar 2025 | $9.2M | $1.2M | $0.45 |
| Q4 FY2024 | 31 Dec 2024 | $9.4M | $1.9M | $0.74 |
| Q3 FY2024 | 30 Sep 2024 | $9.1M | $1.2M | $0.45 |
Company events
The newest 8-K filings of 135 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 27 Oct 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 29 Jul 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 28 May 2026 | 8-K | Shareholder vote | 5.07 |
| 28 Apr 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 13 Feb 2026 | 8-K | Other events | 8.01, 9.01 |
| 28 Jan 2026 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 28 Oct 2025 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 19 Sep 2025 | 8-K | Leadership change | 5.02, 9.01 |
| 29 Jul 2025 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
| 5 Jun 2025 | 8-K | Auditor change | 4.01, 9.01 |
| 28 May 2025 | 8-K | Shareholder vote | 5.07 |
| 30 Apr 2025 | 8-K | Results, Other events | 2.02, 8.01, 9.01 |
Every filing
The newest filings with the SEC of 247 held.
| Filed | Form | Period |
|---|---|---|
| 27 Oct 2026 | 8-K | 27 Oct 2026 |
| 10 Aug 2026 | 10-Q | 30 Jun 2026 |
| 29 Jul 2026 | 8-K | 28 Jul 2026 |
| 28 May 2026 | 8-K | 26 May 2026 |
| 12 May 2026 | 10-Q | 31 Mar 2026 |
| 28 Apr 2026 | 8-K | 28 Apr 2026 |
| 15 Apr 2026 | ARS | 31 Dec 2025 |
| 15 Apr 2026 | DEFA14A | – |
| 15 Apr 2026 | DEF 14A | 31 Dec 2025 |
| 18 Mar 2026 | 10-K | 31 Dec 2025 |
| 13 Feb 2026 | 8-K | 12 Feb 2026 |
| 28 Jan 2026 | 8-K | 27 Jan 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 30 Sep 2026 | Stewart Laura Lee, Chief Executive Officer | Sale under a trading plan | 900 | $45.99 | $41.4K | 8,100 | 30 Sep 2026 |
| 30 Jun 2026 | Stewart Laura Lee, President and CEO | Sale under a trading plan | 900 | $42.60 | $38.3K | 9,000 | 30 Jun 2026 |
| 31 Mar 2026 | Stewart Laura Lee, President and CEO | Sale under a trading plan | 900 | $44.13 | $39.7K | 9,900 | 31 Mar 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | AllianceBernstein L.P. | 13G amended | 8.4% | 215.8K |
| 17 Feb 2026 | AllianceBernstein L.P. | 13G | 6.1% | 157.5K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 3.7K | -5.33% | 1.39 |
| 30 Sep 2026 | 3.9K | -28.21% | 1 |
| 15 Sep 2026 | 5.4K | -13.56% | 1 |
| 31 Aug 2026 | 6.3K | +19.7% | 2.07 |
| 14 Aug 2026 | 5.2K | -41.48% | 1 |
| 31 Jul 2026 | 8.9K | -1.01% | 1.04 |
| 15 Jul 2026 | 9.0K | +22.43% | 1 |
| 30 Jun 2026 | 7.4K | -89.28% | 1 |
Funds that hold it
From each fund's latest Form 13F.
55 funds held it at 30 Jun 2026: 18 added and 15 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Stilwell Value LLC | 410,019 | $17.7M | 0 |
| AllianceBernstein L.P. | 215,780 | $9.4M | +35,909 |
| Graham Capital Wealth Management, LLC | 113,257 | $4.9M | +4,641 |
| Vanguard Capital Management LLC | 95,890 | $4.1M | -7,266 |
| Kennedy Capital Management LLC | 51,743 | $2.2M | -622 |
| BlackRock, Inc. | 37,496 | $1.6M | -63,802 |
| Pacific Sage Partners, LLC | 36,191 | $1.6M | 0 |
| Oppenheimer & Close, LLC | 32,645 | $1.4M | 0 |
| Geode Capital Management, LLC | 23,720 | $1.0M | -19,545 |
| Dimensional Fund Advisors LP | 19,968 | $860.8K | +345 |
Peers
Companies in the same industry.
- HSBC Holdings plc (HSBC): revenue $68.3B, market value $293.3B
- Axos Financial, Inc. (AX): revenue $1.6B, market value $5.1B
- Eastern Bankshares, Inc. (EBC): revenue $1.1B, market value $5.1B
- TFS Financial Corp. (TFSL): revenue $343.7M, market value $4.6B
- BankUnited, Inc. (BKU): revenue $1.1B, market value $3.1B
- Provident Financial Services Inc. (PFS): revenue $907.3M, market value $3.0B
- Capitol Federal Financial, Inc. (CFFN): revenue $229.2M, market value $1.1B
- HomeTrust Bancshares, Inc. (HTB): revenue $216.6M, market value $774.2M
- Kearny Financial Corp. (KRNY): revenue $178.1M, market value $589.6M
- Ponce Financial Group, Inc. (PDLB): revenue $120.0M, market value $543.9M