What is Sound Financial Bancorp's market cap?

Sound Financial Bancorp (SFBC) has a market capitalization of $105.4M and trades on NASDAQ.

What is Sound Financial Bancorp's revenue and profitability?

Sound Financial Bancorp generated $39.7M in trailing twelve-month revenue with net income of $7.6M, representing a net margin of 19.1%, with free cash flow of $7.2M. These figures are based on the Q1 2026 filing.

Who are Sound Financial Bancorp's competitors?

Sound Financial Bancorp's key competitors include Washington Federal, Columbia Banking System, Heritage Financial, and others. These companies compete in similar markets and product categories.

Who does Sound Financial Bancorp partner with?

Sound Financial Bancorp's notable partners include Fannie Mae, Federal Home Loan Bank of Des Moines, Microsoft, and others.

What subsidiaries does Sound Financial Bancorp have?

Sound Financial Bancorp's subsidiaries include Sound Community Bank, Sound Community Insurance Agency, Inc..

Where is Sound Financial Bancorp headquartered?

Sound Financial Bancorp is headquartered in United States of America and employs approximately 146 people. It has been publicly traded since 2012.

Sound Financial Bancorp

SFBC

Market cap

$105.43M-5.1%

Revenue$39.7M+9.4%

Net income$7.6M+50.2%

Free cash flow$7.2M+158%

EPS (diluted)$2.93+49.5%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q4 2025 report

July 28, 2026

Revenue$9.5M EPS$0.98

Read the full report

Next report

Oct 27, 2026 (in 3 months)

Financials

Q1 2026

Income statement

See full

Revenue$10.0M+8.6%

Net income$1.6M+35.0%

EPS (diluted)$0.61+35.6%

Balance sheet

See full

Cash & equivalents$138.0M+4.9%

Total debt$3.4M-82.1%

Total equity$110.4M+5.7%

Total assets$1.1B+4.0%

Cash flow

See full

Operating cash flow$1.5M-18.7%

CapEx$32.0K-15.8%

Free cash flow$1.5M-18.8%

Valuation & ratios

Valuation

See full

Market cap$107.31M-5.1%

Enterprise value-$27.31M-200%

P/E14.2×-4.0×

P/S2.7×-0.3×

Profitability

See full

Net margin19.1%+5.2pp

FCF margin18.1%+10.4pp

Returns & leverage

See full

Return on equity7%+2.1pp

Debt / equity0×-0.1×

Competitors

By market cap

Columbia Banking Systems$8.7B+69.3%

WaFd, Inc.$2.7B+14.5%

Heritage Financial$1.2B+52.8%

Great Southern Bancorp$862.6M+27.5%

FB Bancorp, Inc.$253.1M+6.9%

Magyar Bancorp$118.5M+7.7%

Sound Financial Bancorp$107.3M-6.4%

Catalyst Bancorp, Inc.$70.3M+37.8%

By revenue growth

Columbia Banking Systems+33.7%

Heritage Financial+30.2%

Sound Financial Bancorp+9.4%

WaFd, Inc.+7.8%

Great Southern Bancorp-0.1%

Catalyst Bancorp, Inc.-3.1%

By net margin

WaFd, Inc.32.77%+1.6pp

Great Southern Bancorp29.72%-0.5pp

Columbia Banking Systems26.8%+0.2pp

Heritage Financial26.49%+4.6pp

Magyar Bancorp24.4%—

Sound Financial Bancorp19.07%+5.2pp

Catalyst Bancorp, Inc.18.19%+45.5pp

FB Bancorp, Inc.-3.86%—

Profile

Sound Financial Bancorp, Inc. is a bank holding company that operates primarily through its subsidiary, Sound Community Bank, serving the Puget Sound region and the North Olympic Peninsula in Washington. The company provides a comprehensive suite of financial services, including retail and commercial deposit products and a diverse range of lending solutions. Its core value proposition centers on maintaining direct customer relationships through localized service and specialized loan products such as floating home and manufactured home financing.

Competitive position

A regional player with a significant niche presence in Clallam and Jefferson Counties and a specialized focus on unique collateral types like floating homes.

GeographiesWashington State, United States

Customer segmentsRetail Consumers, Commercial Enterprises, Real Estate Investors, Small Business Owners

Business modelTraditional Banking, Mortgage Origination and Servicing, Brokerage and Insurance Distribution

SuppliersFederal Home Loan Bank (FHLB) of Des Moines, Federal Reserve System, Depositors, Third-party technology providers

CustomersFannie Mae, Secondary market mortgage investors, Retail borrowers, Commercial real estate developers

CountryUnited States of America

Listed2012

Employees146.0

CEOLaura Lee Stewart

SectorFinancial Services

IndustryBanks - Regional

Websitesoundcb.com

FilingsSEC EDGAR

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Questions, answered.

What is Sound Financial Bancorp's market cap?: Sound Financial Bancorp (SFBC) has a market capitalization of $105.4M and trades on NASDAQ.
What is Sound Financial Bancorp's revenue and profitability?: Sound Financial Bancorp generated $39.7M in trailing twelve-month revenue with net income of $7.6M, representing a net margin of 19.1%, with free cash flow of $7.2M. These figures are based on the Q1 2026 filing.
Who are Sound Financial Bancorp's competitors?: Sound Financial Bancorp's key competitors include Washington Federal, Columbia Banking System, Heritage Financial, and others. These companies compete in similar markets and product categories.
Who does Sound Financial Bancorp partner with?: Sound Financial Bancorp's notable partners include Fannie Mae, Federal Home Loan Bank of Des Moines, Microsoft, and others.
What subsidiaries does Sound Financial Bancorp have?: Sound Financial Bancorp's subsidiaries include Sound Community Bank, Sound Community Insurance Agency, Inc..
Where is Sound Financial Bancorp headquartered?: Sound Financial Bancorp is headquartered in United States of America and employs approximately 146 people. It has been publicly traded since 2012.