profit from every $100 of sales.
$0$100
Sound Financial Bancorp
$45.95+0.99% today
+2.5% in 1 year
1-year low $41.061-year high $48.90
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $15.29 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Sound Financial Bancorp sold, what it kept, and what it did with the cash.
Sales went from $39.9 million in 2022 to $38.9 million in 2025, with $7.16 million of profit last year.
SalesProfit
Sound Financial Bancorp handed back 30% of the cash it generated last year.
$2M
Free cash flow 2025$7M
Bought back its own shares$130,000
Paid as dividends$2M
Cash vs. debt$138M vs. $21M
Sound Financial Bancorp vs. similar companies
Sound Financial Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Sound Financial Bancorp | 15.3× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Sound Financial Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 40 | 39 | 36 | 39 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 9 | 7 | 5 | 7 | |
| 3.41 | 3.13 | 1.94 | 3.01 | |
| – | – | – | – | |
| – | – | – | – | |
| 22.1% | 19.2% | 13.0% | 18.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 976 | 995 | 994 | 1,092 |
| Cash | 58 | 50 | 44 | 138 |
| Total debt | 60 | 57 | 41 | 21 |
| Total liabilities | 879 | 895 | 890 | 983 |
| 98 | 101 | 104 | 109 | |
| 3 | 2 | 2 | 2 | |
| – | – | – | – | |
| 9.0% | 7.4% | 4.5% | 6.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 10 | 7 | 3 | 7 | |
| 0 | 0 | 0 | 0 | |
| 10 | 6 | 3 | 7 | |
| Dividends paid | 2 | 2 | 2 | 2 |
| 2 | 2 | 0 | 0 | |
| 0 | 0 | 0 | 0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 15.3×
- –
- –
- 1.0×
- 2.8×
- 6.5%
- 1.9%
Profitability
- 18.4%
- 0.7%
- 5.4%
- 7.0%
- 0.7%
Growth
- −0.9%
- −4.1%
- −1.0%
- −0.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 20%of 688
Bottom 37%of 540
Bottom 42%of 900
Bottom 20%of 908
Top 43%of 941
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 0.61 | – | – |
| Jan 27, 2026 | 0.87 | – | – |
| Oct 28, 2025 | 0.66 | – | – |
| Jul 29, 2025 | 0.79 | – | – |
| Apr 29, 2025 | 0.45 | – | – |
| Mar 18, 2025 | 0.75 | – | – |
| Oct 30, 2024 | 0.45 | – | – |
| Jul 29, 2024 | 0.31 | – | – |
1.9%of the share price, paid each year
On $1,000 invested$19a year at today's yield, before tax
−1.0%2020 to 2025
Raised–not every year
Paid per share, each year
$0.23 in 2015 → $0.76 in 2025
How safe it looks
27.2% of its profit
Room to growStretchedMore than it earns: 27.9%
News
China’s hottest stocks these days have one thing in common: names that sound like sheepMarketWatch · Nov 14, 2026Japan’s corporate leaders sound alarm over weak yen — even dollar-earners are voicing concernsCNBC · Sep 17, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
54No pass
Benjamin Graham
86Pass
Philip Fisher
54No pass
Peter Lynch
29No pass
Joel Greenblatt
15No pass
Charlie Munger
57No pass
Terry Smith
49No pass
Questions about Sound Financial Bancorp
Is Sound Financial Bancorp a good stock to buy?
A solid business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Sound Financial Bancorp AI analysis
What does Sound Financial Bancorp do?
Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It is in Banks - Regional.
Does Sound Financial Bancorp pay a dividend?
Yes. At today's price the dividend is 1.9% a year, about 27% of its yearly profit. In 2025 it paid out $1.95 million in dividends.
Is Sound Financial Bancorp stock halal?
No. Sound Financial Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Sound Financial Bancorp stock done over the past year?
Up 2.5% over the past twelve months, to $45.95. It traded between $41.06 and $48.90 and is 6.0% below its high.
Who are Sound Financial Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Sound Financial Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.