Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank, a community bank headquartered in Seattle, Washington. Founded in 1953, the company has a long history of serving the financial needs of individuals and businesses in the Pacific Northwest. As a regional bank, it offers a ...Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank, a community bank headquartered in Seattle, Washington. Founded in 1953, the company has a long history of serving the financial needs of individuals and businesses in the Pacific Northwest. As a regional bank, it offers a range of deposit products including savings accounts, money market accounts, NOW accounts, demand deposits, and certificates of deposit. On the lending side, it provides residential mortgages, home equity loans, commercial real estate loans, construction loans, land loans, commercial business loans, and consumer loans for manufactured homes, boats, RVs, and other personal property. Additionally, the company offers insurance products and services. As of the latest data, the company employs 92 full-time employees and is led by CEO Laura Lee Stewart, who has been with the organization for over 35 years. The company is publicly traded on NASDAQ under the ticker SFBC. Financially, Sound Financial Bancorp has a market capitalization of approximately $110.5 million, with a price-to-earnings ratio of 14.79 and a dividend yield of 1.8%. The company has demonstrated solid profitability with a return on equity of 7.3% and a net profit margin of 12.9%. Its balance sheet shows a strong liquidity position with a current ratio of 45.07 and a cash ratio of 38.7, though it also carries a moderate level of debt with a debt-to-equity ratio of 0.125. The bank's loan portfolio is diversified across residential and commercial real estate, construction, and consumer lending. Sound Financial Bancorp emphasizes community involvement and employee volunteerism, aligning with its mission to support the local economy. With a focus on personalized service and long-term relationships, the company continues to grow while maintaining prudent risk management practices. Its commitment to serving customers and communities is reflected in its stable financial performance and consistent dividend payments.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$61.6M
-0.7%
+3.1%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$7.2M
+54.3%
+59.8%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+63.1%
+9.7%
-0.1%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+14.1%
+54.7%
+54.2%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+11.6%
+55.4%
+55.0%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$7.0M
+144.8%
-88.7%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+11.3%
+146.5%
-89.1%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
19.6%
-50.1%
-35.0%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.15x
+132.6%
+30197.1%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
