How has Sound Financial Bancorp's provision for credit losses changed year-over-year?

Sound Financial Bancorp's provision for credit losses increased by 157.6% year-over-year, from -$85K to $49K.

Sound Financial Bancorp SFBC Provision for Credit Losses

Provision for Credit Losses at other companies

WaFd, Inc.WAFD

$4M+45.5%

Heritage FinancialHFWA

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Timberland BancorpTSBK

——

Other financials

Income statement

See full

Revenue$10.0M+8.6%

Net income$1.6M+35.0%

EPS (diluted)$0.61+35.6%

Balance sheet

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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

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Operating cash flow$1.5M-18.7%

CapEx$32.0K-15.8%

Free cash flow$1.5M-18.8%

Valuation

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Market cap$102.55M-8.3%

Enterprise value-$32.07M-213%

P/E13.6×-4.2×

P/S2.6×-0.4×

Profitability

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Net margin19.1%+5.2pp

FCF margin18.1%+10.4pp

Returns & leverage

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Return on equity7%+2.1pp

Debt / equity0×-0.1×

Where this comes from

Reported directly by Sound Financial Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

The official record: Sound Financial Bancorp’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Sound Financial Bancorp's provision for credit losses?: Sound Financial Bancorp (SFBC) reported provision for credit losses of $49K in Q1 2026.
How has Sound Financial Bancorp's provision for credit losses changed year-over-year?: Sound Financial Bancorp's provision for credit losses increased by 157.6% year-over-year, from -$85K to $49K.