Sound Financial Bancorp, Inc. (SFBC)
Operating cash flow minus capital spending left $7M of free cash flow in fiscal 2025. At June 30, 2026 it held $120.1M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 10, 2026.
Key facts about Sound Financial Bancorp, Inc.
- Net worth
- Sound Financial Bancorp, Inc. has a market value (market cap) of $115.7M at the latest share price, and shareholders' equity of $112.6M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $7.2M of cash; after $170K of capital spending, free cash flow was $7M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 10, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- Sound Financial Bancorp, Inc.'s next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Sound Financial Bancorp, Inc. paid dividends of $0.76 per share in fiscal 2025, a yield of 1.69% at the current price.
What Sound Financial Bancorp, Inc. does
Sound Financial Bancorp, Inc. is registered with the SEC under industry code SIC 6035 (Savings Institution, Federally Chartered). Its shares trade on NASDAQ under the ticker SFBC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $7.2M | $2.77 | $7M |
| 2024 | n/a | $4.6M | $1.80 | $2.9M |
| 2023 | n/a | $7.4M | $2.86 | $6.4M |
| 2022 | n/a | $8.8M | $3.35 | $9.7M |
| 2021 | n/a | $9.2M | $3.46 | $18.8M |
| 2020 | n/a | $8.9M | $3.42 | -$891K |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Sound Financial Bancorp, Inc. paid $0.76 per share in fiscal 2025. At the current price that is a yield of 1.69%. It paid out $1.9M in cash dividends, 27% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.76 | $1.9M | 27% |
| 2024 | $0.76 | $1.9M | 42% |
| 2023 | $0.74 | $1.9M | 26% |
| 2022 | $0.78 | $2M | 23% |
| 2021 | $0.78 | $2M | 22% |
| 2020 | $0.80 | $2.1M | 23% |
Latest SEC filings
What Sound Financial Bancorp, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- October 27, 2026
- August 14, 2026Passive stake changed SCHEDULE 13G/A
- August 10, 2026
- July 29, 2026
- May 28, 2026
- May 12, 2026
- April 28, 2026
- April 15, 2026
- April 15, 2026Additional proxy material DEFA14A
- April 15, 2026Proxy statement DEF 14A
Insider trades
What the people running Sound Financial Bancorp, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $41.4K worth of shares in the last 90 days and bought none on the open market. All of the selling was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 30, 2026 | Stewart Laura LeeChief Executive Officer, Director | Soldpre-planned (10b5-1), indirect | 900 | $41.4K |
| August 18, 2026 | Jones DebraDirector | Gave as a gift | 4,920 | - |
| June 30, 2026 | Stewart Laura LeePresident and CEO, Director | Soldpre-planned (10b5-1), indirect | 900 | $38.3K |
| June 10, 2026 | Riojas RogelioDirector | Gave as a gift | 28,916 | - |
| March 31, 2026 | Stewart Laura LeePresident and CEO, Director | Soldpre-planned (10b5-1), indirect | 900 | $39.7K |
| December 10, 2025 | Jones DebraDirector | Gave as a gift | 500 | - |
| December 4, 2025 | Ochs WesPresident and CFO | Exercised options | 900 | $25.5K |
| December 4, 2025 | Ochs WesPresident and CFO | Shares withheld for tax | 577 | $25.5K |
Who owns SFBC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| AllianceBernstein L.P.13G, passive | 8.4% | August 14, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 44 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Stilwell Value LLC | 410,019 | 0 |
| Alliancebernstein L.P. | 215,780 | +35,909 |
| Graham Capital Wealth Management, LLC | 113,257 | +4,641 |
| Vanguard Capital Management LLC | 95,890 | -7,266 |
| Kennedy Capital Management LLC | 51,743 | -622 |
| BlackRock, Inc. | 37,496 | -63,802 |
| Pacific Sage Partners, LLC | 36,191 | 0 |
| Oppenheimer & Close, LLC | 32,645 | 0 |
| Geode Capital Management, LLC | 23,720 | -19,545 |
| Dimensional Fund Advisors LP | 19,968 | +345 |
| Millennium Management LLC | 19,532 | new |
| Goldman Sachs Group Inc | 16,619 | +2,587 |
| Financial Insights, Inc. | 14,897 | 0 |
| Vanguard Fiduciary Trust Co | 10,527 | -744 |
| UBS Group AG | 10,071 | +9,355 |
| Pinnacle Holdings, LLC | 7,139 | -41 |
| Bridgeway Capital Management, LLC | 6,450 | 0 |
| Empowered Funds, LLC | 6,450 | 0 |
| Renaissance Technologies LLC | 6,000 | +325 |
| State Street Corp | 5,625 | -16,230 |
Insiders
5 insiders reported holding 114,745 shares in total, about $5.2M at the last price.
| Holder | Shares |
|---|---|
| Stewart Laura LeePresident and CEO, Director | 68,5028,100 held indirectly |
| Jones DebraDirector | 16,075 |
| Sexton HeidiExecutive Vice President/COO | 16,073 |
| Riojas RogelioDirector | 7,427 |
| Ochs WesPresident and CFO | 6,668 |
Questions about SFBC
What does Sound Financial Bancorp, Inc. do?
Sound Financial Bancorp, Inc. is a company in the Finance sector, listed on NASDAQ as SFBC. Its shares trade on NASDAQ under the ticker SFBC.
What is Sound Financial Bancorp, Inc.'s net worth?
Sound Financial Bancorp, Inc. has a market value (market cap) of $115.7M at the latest share price, and shareholders' equity of $112.6M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Sound Financial Bancorp, Inc. profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $8M.
When did Sound Financial Bancorp, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 10, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the quarterly results from October 27, 2026.
When is Sound Financial Bancorp, Inc.'s next earnings report?
Sound Financial Bancorp, Inc.'s next report is expected around January 27, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Sound Financial Bancorp, Inc. pay a dividend?
Yes. Sound Financial Bancorp, Inc. paid dividends of $0.76 per share in fiscal 2025, a yield of 1.69% at the current price.
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Where the numbers come from
Financial figures are the values Sound Financial Bancorp, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.