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Sound Financial Bancorp SFBC Q4 2025 earnings

Reported July 28, 2026 · Before market open

Revenue$15.9M
EPS$0.98
“The second quarter represented a continued step forward in our profitability and balance sheet optimization initiatives. During the quarter, we meaningfully reduced low-rate loans held-for-portfolio, managed down higher-rate reciprocal deposits, repaid FHLB advances, and maintained a loans-to-deposits ratio at quarter-end of approximately 96%. These actions reflect our ongoing focus on profitability, liquidity, and prudent capital deployment”
Laurie Stewart

Next report

Oct 27, 2026 (in a month)

Financials

Q4 2025

Income statement

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Revenue$9.5M+1.6%
Net income$2.2M+16.8%
EPS (diluted)$0.87+16.0%

Balance sheet

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Cash & equivalents$138.5M+217%
Total debt$3.7M-8.5%
Total equity$109.4M+5.5%
Total assets$1.1B+9.9%

Cash flow

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Operating cash flow$2.0M+1,210%
CapEx$70.0K+169%
Free cash flow$1.9M+1,424%

Valuation & ratios

Valuation

as of 06/30/26
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Market cap$104.19M-17.3%
Enterprise value-$30.59M-135%
P/E14.6×-12.6×
P/S2.7×-0.9×

Profitability

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Net margin18.4%+5.4pp
FCF margin19.3%+11.3pp

Returns & leverage

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Return on equity6.7%+2.2pp
Debt / equity0×0.0×

FAQ

When did Sound Financial Bancorp report Q4 2025 earnings?
Sound Financial Bancorp (SFBC) reported Q4 2025 earnings on July 28, 2026 before market open.
What were Sound Financial Bancorp's Q4 2025 revenue and EPS?
Sound Financial Bancorp reported revenue of $15.9M and eps of $0.98 for Q4 2025.
How did Sound Financial Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 0.8% from $16.0M a year earlier and eps grew 24.1% from $0.79.
Where can I find Sound Financial Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001541119-26-000022) and the 10-Q periodic report (0001541119-26-000024) directly on SEC EDGAR. The filing index links above go to sec.gov.