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Sound Financial Bancorp SFBC Net (charge-offs)/recoveries during the period

Net (charge-offs)/recoveries during the period at other companies

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$5.9M+606%
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OceanFirst FinancialOCFC
$1.51M-31.7%
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$180K+120%
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$180K+120%

Other financials

Income statement

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Revenue$11.0M+6.2%
Net income$2.5M+22.7%
EPS (diluted)$0.98+24.1%

Balance sheet

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Cash & equivalents$120.1M+17.1%
Total debt$3.1M-83.8%
Total equity$112.6M+6.2%
Total assets$1.1B+0.7%

Cash flow

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Operating cash flow$224.0K
CapEx$58.0K+142%
Free cash flow$166.0K

Valuation

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Market cap$110.71M+0.3%
Enterprise value-$6.26M-123%
P/E13.8×-3.8×
P/S2.8×-0.2×

Profitability

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Net margin19.9%+3.4pp
FCF margin18.2%+4.6pp

Returns & leverage

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Return on equity7.4%+1.3pp
Debt / equity-0.2×

Where this comes from

Reported directly by Sound Financial Bancorp in its filing.

Tagged under the XBRL concept sfbc:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteoffRecovery.

The source filing: Sound Financial Bancorp’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 5:23 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001541119-26-000024
Line itemThree Months Ended June 30, 2026 / ACL - LoansThree Months Ended June 30, 2026 / Reserve for Unfunded Loan CommitmentsThree Months Ended June 30, 2026 / ACLThree Months Ended June 30, 2025 / ACL - LoansThree Months Ended June 30, 2025 / Reserve for Unfunded Loan CommitmentsThree Months Ended June 30, 2025 / ACL
Balance at beginning of period$8,635$222$8,857$8,393$116$8,509
(Release of) provision for credit losses during the period(185)(38)(223)1646170
Net charge-offs during the period(30)(30)(21)(21)
Balance at end of period$8,420$184$8,604$8,536$122$8,658
Six Months Ended June 30,
20262025
ACL - LoansReserve for Unfunded Loan CommitmentsACLACL - LoansReserve for Unfunded Loan CommitmentsACL
Balance at beginning of period$8,605$148$8,753$8,499$234$8,733

Item 1. Financial Statements

FAQ

What is Sound Financial Bancorp's net (charge-offs)/recoveries during the period?
Sound Financial Bancorp (SFBC) reported net (charge-offs)/recoveries during the period of $30K in Q2 2026.
How has Sound Financial Bancorp's net (charge-offs)/recoveries during the period changed year-over-year?
Sound Financial Bancorp's net (charge-offs)/recoveries during the period increased by 42.9% year-over-year, from $21K to $30K.
What does net (charge-offs)/recoveries during the period mean?
Net (charge-offs)/recoveries during the period as reported by Sound Financial Bancorp, Inc..

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