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Sound Financial Bancorp SFBC Q3 2025 earnings

Reported October 28, 2025 · Before market open

Revenue$15.5M
EPS$0.66

Next report

Oct 27, 2026 (in a month)

Financials

Q3 2025

Income statement

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Revenue$9.8M+7.8%
Net income$1.7M+46.9%
EPS (diluted)$0.66+46.7%

Balance sheet

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Cash & equivalents$101.2M-32.1%
Total debt$18.9M+364%
Total equity$107.5M+5.1%
Total assets$1.1B-3.7%

Cash flow

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Operating cash flow$3.8M+16.0%
CapEx$38.0K-7.3%
Free cash flow$3.8M+16.3%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$109.99M-19.1%
Enterprise value$27.78M+411%
P/E16.1×-18.5×
P/S2.8×-1.1×

Profitability

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Net margin17.6%+6.4pp
FCF margin14.7%+1.4pp

Returns & leverage

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Return on equity6.5%+2.6pp
Debt / equity0.2×+0.1×

FAQ

When did Sound Financial Bancorp report Q3 2025 earnings?
Sound Financial Bancorp (SFBC) reported Q3 2025 earnings on October 28, 2025 before market open.
What were Sound Financial Bancorp's Q3 2025 revenue and EPS?
Sound Financial Bancorp reported revenue of $15.5M and eps of $0.66 for Q3 2025.
How did Sound Financial Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 3.4% from $16.1M a year earlier and eps grew 46.7% from $0.45.
Where can I find Sound Financial Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001541119-25-000039) and the 10-Q periodic report (0001541119-25-000041) directly on SEC EDGAR. The filing index links above go to sec.gov.