InsiderClue
Stocks · Financials · Savings Institution, Federally Chartered

Sound Financial Bancorp, Inc.

SFBC Clue Score41
United States Fiscal year ends December CIK 0001541119
$42.46 -2.99% Close, 9 Oct 2026
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Price $42.46 −6.58% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income5.4EPS, diluted2.09Fiscal year 2017Net income5.1 −4.7%EPS, diluted2.00 −4.3%Fiscal year 2018Net income7.0 +37.3%EPS, diluted2.74 +37.0%Fiscal year 2019Net income6.7 −5.1%EPS, diluted2.57 −6.2%Fiscal year 2020Net income8.9 +33.8%EPS, diluted3.42 +33.1%Fiscal year 2021Net income9.2 +2.5%EPS, diluted3.46 +1.2%Fiscal year 2022Net income8.8 −3.8%EPS, diluted3.35 −3.2%Fiscal year 2023Net income7.4 −15.5%EPS, diluted2.86 −14.6%Fiscal year 2024Net income4.6 −37.6%EPS, diluted1.80 −37.1%Fiscal year 2025Net income7.2 +54.3%EPS, diluted2.77 +53.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 5.4 5.1 7.0 6.7 8.9 9.2 8.8 7.4 4.6 7.2
Growth −4.7% +37.3% −5.1% +33.8% +2.5% −3.8% −15.5% −37.6% +54.3%
EPS, diluted 2.09 2.00 2.74 2.57 3.42 3.46 3.35 2.86 1.80 2.77
Growth −4.3% +37.0% −6.2% +33.1% +1.2% −3.2% −14.6% −37.1% +53.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow7.1Capital expenditure−1.0Free cash flow6.1Buybacks0.0Dividends paid−0.7Fiscal year 2017Operating cash flow6.8Capital expenditure−2.5Free cash flow4.4 −29.2%Dividends paid−1.5Fiscal year 2018Operating cash flow10.3Capital expenditure−0.6Free cash flow9.7 +122.6%Dividends paid−1.4Fiscal year 2019Operating cash flow11.1Capital expenditure−0.7Free cash flow10.4 +7.5%Buybacks0.0Dividends paid−1.4Fiscal year 2020Operating cash flow−0.5Capital expenditure−0.4Free cash flow−0.9 −108.6%Buybacks−0.1Dividends paid−2.1Fiscal year 2021Operating cash flow19.1Capital expenditure−0.2Free cash flow18.8Buybacks−0.2Dividends paid−2.0Fiscal year 2022Operating cash flow10.1Capital expenditure−0.4Free cash flow9.7 −48.8%Buybacks−1.7Dividends paid−2.0Fiscal year 2023Operating cash flow6.9Capital expenditure−0.4Free cash flow6.4 −33.3%Buybacks−2.1Dividends paid−1.9Fiscal year 2024Operating cash flow2.9Capital expenditure−0.1Free cash flow2.9 −55.7%Buybacks−0.1Dividends paid−1.9Fiscal year 2025Operating cash flow7.2Capital expenditure−0.2Free cash flow7.0 +144.8%Buybacks0.0Dividends paid−1.9
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 7.1 6.8 10.3 11.1 −0.5 19.1 10.1 6.9 2.9 7.2
Capital expenditure −1.0 −2.5 −0.6 −0.7 −0.4 −0.2 −0.4 −0.4 −0.1 −0.2
Free cash flow 6.1 4.4 9.7 10.4 −0.9 18.8 9.7 6.4 2.9 7.0
Growth −29.2% +122.6% +7.5% −108.6% −48.8% −33.3% −55.7% +144.8%
Buybacks 0.0 n/a n/a 0.0 −0.1 −0.2 −1.7 −2.1 −0.1 0.0
Dividends paid −0.7 −1.5 −1.4 −1.4 −2.1 −2.0 −2.0 −1.9 −1.9 −1.9

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash54.6Shareholders’ equity60.3Fiscal year 2017Cash60.7Shareholders’ equity65.2Fiscal year 2018Cash61.8Shareholders’ equity71.6Fiscal year 2019Cash55.8Shareholders’ equity77.7Fiscal year 2020Cash193.8Shareholders’ equity85.5Fiscal year 2021Cash183.6Shareholders’ equity93.4Fiscal year 2022Cash57.8Shareholders’ equity97.7Fiscal year 2023Cash49.7Shareholders’ equity100.7Fiscal year 2024Cash43.6Shareholders’ equity103.7Fiscal year 2025Cash138.5Shareholders’ equity109.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 54.6 60.7 61.8 55.8 193.8 183.6 57.8 49.7 43.6 138.5
Shareholders’ equity 60.3 65.2 71.6 77.7 85.5 93.4 97.7 100.7 103.7 109.4

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
33.4% 37.4% 19.5% 19.8% 21.1% 19.9% 19.1% 17.3% 17.8% 17.5%
Returns
8.9% 7.9% 9.8% 8.6% 10.5% 9.8% 9.0% 7.4% 4.5% 6.5%
0.9% 0.8% 1.0% 0.9% 1.0% 1.0% 0.9% 0.7% 0.5% 0.7%
Balance and payout
89.8% 89.9% 90.0% 89.2% 90.1% 89.8% 90.0% 89.9% 89.6% 90.0%
13.9% 29.4% 19.4% 21.5% 23.2% 22.3% 23.1% 25.7% 42.0% 27.2%
12.1% 34.6% 14.1% 13.8% n/a 11.6% 39.0% 62.9% 70.5% 27.9%