Sound Financial Bancorp Inc (SFBC)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$42.81

+0.29 (+0.68%)

Market Cap: $109.94M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Jul 28, 2026Reported Jul 28	$0.98	N/A	-	N/A	Beat	-	-	+24.1%
Mar 31, 2026Mar 26 Reported Apr 28, 2026Reported Apr 28	$0.61	N/A	-	N/A	Beat	-	-	+35.6%
Dec 31, 2025Dec 25 Reported Jan 27, 2026Reported Jan 27	$0.87	N/A	-	N/A	Beat	-	-	+17.6%
Sep 30, 2025Sep 25 Reported Oct 28, 2025Reported Oct 28	$0.66	N/A	-	N/A	Beat	-	-	+47.0%
Jun 30, 2025Jun 25 Reported Jul 29, 2025Reported Jul 29	$0.79	N/A	-	N/A	Beat	-	-	+155.9%
Mar 31, 2025Mar 25 Reported Apr 29, 2025Reported Apr 29	$0.45	N/A	-	N/A	Beat	-	-	+50.6%
Dec 31, 2024Dec 24 Reported Mar 18, 2025Reported Mar 18	$0.74	N/A	-	N/A	Beat	-	-	+57.4%
Sep 30, 2024Sep 24 Reported Oct 30, 2024Reported Oct 30	$0.45	N/A	-	N/A	Beat	-	-	-0.9%
Jun 30, 2024Jun 24 Reported Jul 29, 2024Reported Jul 29	$0.31	N/A	-	N/A	Beat	-	-	-68.5%
Mar 31, 2024Mar 24 Reported Apr 29, 2024Reported Apr 29	$0.30	N/A	-	N/A	Beat	-	-	-64.0%
Dec 31, 2023Dec 23 Reported Feb 27, 2024Reported Feb 27	$0.47	N/A	-	N/A	Beat	-	-	-58.0%
Sep 30, 2023Sep 23 Reported Oct 24, 2023Reported Oct 24	$0.45	N/A	-	N/A	Beat	-	-	-54.1%
Jun 30, 2023Jun 23 Reported Jul 25, 2023Reported Jul 25	$0.98	N/A	-	N/A	Beat	-	-	+58.1%
Mar 31, 2023Mar 23 Reported Apr 24, 2023Reported Apr 24	$0.83	N/A	-	N/A	Beat	-	-	+27.7%
Dec 31, 2022Dec 22 Reported Mar 14, 2023Reported Mar 14	$1.12	N/A	-	N/A	Beat	-	-	+60.0%
Sep 30, 2022Sep 22 Reported Oct 25, 2022Reported Oct 25	$0.98	N/A	-	N/A	Beat	-	-	+0.0%
Jun 30, 2022Jun 22 Reported Jul 26, 2022Reported Jul 26	$0.62	N/A	-	N/A	Beat	-	-	-28.7%
Mar 31, 2022Mar 22 Reported Apr 26, 2022Reported Apr 26	$0.65	N/A	-	N/A	Beat	-	-	-30.9%
Dec 31, 2021Dec 21 Reported Mar 14, 2022Reported Mar 14	$0.70	N/A	-	N/A	Beat	-	-	-48.1%
Sep 30, 2021Sep 21 Reported Oct 26, 2021Reported Oct 26	$0.98	N/A	-	N/A	Beat	-	-	+8.9%
Jun 30, 2021Jun 21 Reported Jul 28, 2021Reported Jul 28	$0.87	N/A	-	N/A	Beat	-	-	+6.1%
Mar 31, 2021Mar 21 Reported Apr 28, 2021Reported Apr 28	$0.94	N/A	-	N/A	Beat	-	-	+147.4%
Dec 31, 2020Dec 20 Reported Mar 29, 2021Reported Mar 29	$1.35	N/A	-	N/A	Beat	-	-	+87.5%
Sep 30, 2020Sep 20 Reported Oct 27, 2020Reported Oct 27	$0.90	N/A	-	N/A	Beat	-	-	+50.0%
Jun 30, 2020Jun 20 Reported Jul 24, 2020Reported Jul 24	$0.82	N/A	-	N/A	Beat	-	-	+15.5%
Mar 31, 2020Mar 20 Reported Apr 27, 2020Reported Apr 27	$0.38	N/A	-	N/A	Beat	-	-	-32.1%
Dec 31, 2019Dec 19 Reported Mar 12, 2020Reported Mar 12	$0.72	N/A	-	N/A	Beat	-	-	+12.5%
Sep 30, 2019Sep 19 Reported Oct 25, 2019Reported Oct 25	$0.60	N/A	-	N/A	Beat	-	-	-15.5%
Jun 30, 2019Jun 19 Reported Jul 26, 2019Reported Jul 26	$0.71	N/A	-	N/A	Beat	-	-	-10.1%
Mar 31, 2019Mar 19 Reported Apr 26, 2019Reported Apr 26	$0.56	N/A	-	N/A	Beat	-	-	-11.1%
Dec 31, 2018Dec 18 Reported Mar 14, 2019Reported Mar 14	$0.64	N/A	-	N/A	Beat	-	-	+10.3%
Sep 30, 2018Sep 18 Reported Oct 26, 2018Reported Oct 26	$0.71	N/A	-	N/A	Beat	-	-	+47.9%
Jun 30, 2018Jun 18 Reported Jul 26, 2018Reported Jul 26	$0.79	N/A	-	N/A	Beat	-	-	+58.0%
Mar 31, 2018Mar 18 Reported Apr 26, 2018Reported Apr 26	$0.63	N/A	-	N/A	Beat	-	-	+16.7%
Dec 31, 2017Dec 17 Reported Mar 27, 2018Reported Mar 27	$0.58	N/A	-	N/A	Beat	-	-	+7.4%
Sep 30, 2017Sep 17 Reported Oct 30, 2017Reported Oct 30	$0.48	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 27, 2017Reported Jul 27	$0.50	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 27, 2017Reported Apr 27	$0.54	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Mar 27, 2017Reported Mar 27	$0.54	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield1.96%

Forward Annual Dividend$0.84

Payout Ratio26.17%

FrequencyQuarterly

Pay MonthsFeb, May, Aug, Nov

Growth

3Y CAGR-0.86%

5Y CAGR+4.84%

SFBC dividend history and ex-dividend dates Run SFBC in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	13.73	EV/EBITDA	-0.22x
Price/FCF	14.97x	FCF Yield	6.68%
Profitability
Profit Margin	19.90%	Operating Margin	29.00%
ROE	7.35%	ROIC	6.67%
Financial Health
Debt/Equity	0.07x	Interest Coverage	0.44x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.02	Avg Volume	6.04K
52-Week High	$48.99	52-Week Low	$40.30

Technical Indicators Dashboard

Moving Averages

SMA 10$43.68

SMA 20$45.40

SMA 50$46.50

SMA 200$43.96

EMA 10$43.71

EMA 20$44.77

EMA 50$45.61

EMA 200$44.85

MACD

Line: -1.18Signal: -0.86Hist: -0.32

ADX

ADX: 25.4+DI: 17.0-DI: 29.2

Aroon & PSAR

Aroon Up20.0

Aroon Down92.0

PSAR$44.42

Bollinger Bands

Upper Band$50.07

Lower Band$40.73

%B Position2056%(Upper)

Band Width0.22

RSI (14-Day)

Neutral

38.6

Momentum Oscillators

Stoch %K3.0

Stoch %D7.3

Williams %R-92.1

ROC (10d)-7.8%

Momentum-3.60

CCI (20d)-95.9

MFI (14d)43.6

Volatility Measures

ATR (14d)$1.22(2.8%)

StdDev (20d)2.33

Hist Vol53.4%(High)

Volume Flow

VWAP$42.77

OBV-459.8K

AD Line-137547283395.2B

CMF (20d)0.170

Volume Metrics

Avg Vol (20d)3.7K

Vol Ratio0.8x

VWMA (20d)$46.26

Pivot Points

R3$42.52

R2$42.52

R1$42.52

Pivot Point$42.52

S1$42.52

S2$42.52

S3$42.52

Advanced Oscillators

TSI-20.40

Ultimate Osc28.5

KST-74.94

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$11.02M	$9.96M	$9.53M	$9.82M	$10.38M	$9.17M	$9.38M	$9.11M	$8.61M	$8.56M	$8.63M	$9.25M
Cost of Revenue	N/A	$5.54M	$5.73M	$5.77M	$5.83M	$5.43M	$6.53M	$6.97M	$6.50M	$6.27M	$5.74M	$4.59M
Gross Profit	N/A	$9.88M	$9.54M	$9.76M	$10.20M	$9.37M	$9.39M	$9.10M	$8.72M	$8.58M	$8.66M	$9.17M

Operating Expenses	$8.13M	$7.87M	$6.84M	$7.68M	$7.67M	$7.91M	$7.06M	$7.68M	$7.74M	$7.66M	$7.31M	$7.71M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$1.96M	$2.58M	$2.09M	$2.54M	$1.46M	$2.31M	$1.42M	$982,000	$933,000	$1.35M	$1.46M

Interest Income	$14.85M	$14.46M	$14.28M	$14.65M	$14.91M	$13.71M	$14.74M	$14.84M	$14.04M	$13.76M	$13.34M	$12.69M
Interest Expense	$5.25M	$5.42M	$5.62M	$5.71M	$5.66M	$5.63M	$6.52M	$6.96M	$6.59M	$6.30M	$5.77M	$4.52M
Income Before Tax	$3.12M	$1.96M	$2.58M	$2.09M	$2.54M	$1.46M	$2.31M	$1.42M	$982,000	$933,000	$1.35M	$1.46M
Income Tax Expense	$597,000	$384,000	$340,000	$395,000	$488,000	$291,000	$389,000	$267,000	$187,000	$163,000	$142,000	$295,000

Net Income	$2.52M	$1.58M	$2.24M	$1.70M	$2.05M	$1.17M	$1.92M	$1.15M	$795,000	$770,000	$1.21M	$1.17M

EBITDA	$3.54M	$2.28M	$2.98M	$2.48M	$2.94M	$1.87M	$2.71M	$1.82M	$1.41M	$1.37M	$1.79M	$1.89M
EBIT	$3.12M	$1.96M	$2.58M	$2.09M	$2.54M	$1.46M	$2.31M	$1.42M	$982,000	$933,000	$1.35M	$1.46M

* Some calculated fields are derived from available data when not provided by source

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News

Sound Financial Bancorp (NASDAQ:SFBC) Stock Breaks Below Two Hundred Day Moving Average - Should You Sell?

Sound Financial Bancorp (NASDAQ:SFBC) shares have fallen below their 200-day moving average, trading at $42.62, below the $44.57 average. Despite this technical dip...

MarketBeat•Oct 13, 2026 2:44 AM ET10/13/26•Neutral

Precision Trading with Sound Financial Bancorp Inc. (SFBC) Risk Zones

Sound Financial Bancorp Inc. (NASDAQ: SFBC) is exhibiting weak near and mid-term sentiment with a neutral long-term outlook...

Stock Traders Daily•Oct 6, 2026 12:04 PM ET10/6/26•Somewhat-Bullish

A bank’s women-led team was recognized for strengthening fraud prevention

Sound Community Bank, a subsidiary of Sound Financial Bancorp (NASDAQ: SFBC), has been named to American Banker’s 2026 Most Powerful Teams in Banking list. This recognition highlights the bank's women-led executive team...

Stock Titan•Oct 5, 2026 3:56 PM ET10/5/26•Somewhat-Bullish

Form 4 Sound Financial Bancorp Inc For: 30 September

This article is a brief financial update indicating the filing of a Form 4 by Sound Financial Bancorp Inc for the period ending September 30. It includes the stock symbol SFBC and states that the information was...

Investing.com India•Oct 1, 2026 12:06 AM ET10/1/26•Neutral

Form 4 Sound Financial Bancorp Inc For: 30 September By Investing.com

This article reports on the filing of Form 4 for Sound Financial Bancorp Inc., specifically for the period ending September 30. It notes that the filing indicates a -0.34% change for the stock symbol SFBC. The content is...

Investing.com Nigeria•Sep 30, 2026 7:55 PM ET9/30/26•Neutral

SFBC Valuation and Fair Value

P/E: 13.7x
EV/EBITDA: -0.2x
P/FCF: 15.0x
PEG: 0.0x
P/B: 1.0x

See GNG's fair value

SFBC Profitability: Margins, ROIC and FCF

Operating margin: 29.0%
Net margin: 19.9%
ROIC: 6.7%
ROE: 7.3%
FCF margin: 18.2%
FCF yield: 6.7%

SFBC Competitors

Company	Ticker
Monroe Capital Corp	MRCC
Quartzsea Acquisition Corporati	QSEA
FG Merger II Corp. Unit	FGMCU
Patriot National Bancorp Inc	PNBK
Provident Financial Holdings Inc	PROV
Melar Acquisition Corp. I Class A Ordinary Shares	MACI
Union Bankshares Inc	UNB
Pathfinder Bancorp Inc	PBHC

Sector: Financial Services

SFBC Bull Case vs Bear Case

Bull case

SFBC converts 18.2% of revenue into free cash flow.
SFBC grew quarterly revenue 10.2% year over year.

SFBC Dividend

Forward yield: 2.0%
Payout ratio: 26.2%
3Y DPS growth: -0.9%
5Y DPS growth: 4.8%
Pay months: Feb, May, Aug, Nov

SFBC dividend history

Frequently Asked Questions About SFBC

What is SFBC's current dividend yield?

Sound Financial Bancorp Inc (SFBC) has a forward dividend yield of 1.96%.

Does SFBC pay dividends?

Yes, Sound Financial Bancorp Inc pays dividends with a forward dividend yield of 1.96%.

What is SFBC's P/E ratio?

Sound Financial Bancorp Inc has a price-to-earnings (P/E) ratio of 13.73.

What is SFBC's market cap?

Sound Financial Bancorp Inc (SFBC) has a market capitalization of $109.94M with a current stock price of $42.81.

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