Sound Financial Bancorp, Inc. (NASDAQ:SFBC)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $62.1M
- Net income
- $8.0M
- Net margin
- 12.9%
Little or no net debt.
- Total debt
- $14.0M
- Cash
- $120.1M
- Net debt / EBITDA
- -8.71x
Comfortably covers what is due within a year.
- Current assets
- $139.9M
- Current liabilities
- $3.1M
- Current ratio
- 45.07
The business funds itself from operations.
- Operating cash flow
- $7.5M
- Free cash flow
- $7.4M
- FCF margin
- 11.9%
Not funding itself by issuing shares.
- Shares outstanding
- 2.6M
- Share growth (1y)
- 0.2%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
SFBC Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 15.90 M | 15.43 M | 15.27 M | 15.53 M | 16.03 M | 14.80 M |
| Revenue Growth (YoY) | -0.79 % | 4.22 % | -4.06 % | -3.41 % | 5.31 % | -0.33 % |
| Cost of Revenue | 5.72 M | 5.54 M | 5.73 M | 5.77 M | 5.83 M | 5.43 M |
| Gross Profit | 10.18 M | 9.88 M | 9.54 M | 9.76 M | 10.20 M | 9.37 M |
| SG&A Expense | 5.03 M | 4.88 M | 3.99 M | 4.26 M | 5.99 M | 4.59 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 7.06 M | 7.92 M | 6.96 M | 7.67 M | 7.66 M | 7.91 M |
| Operating Income | 3.12 M | 1.96 M | 2.58 M | 2.09 M | 2.54 M | 1.46 M |
| Pretax Income | 3.12 M | 1.96 M | 2.58 M | 2.09 M | 2.54 M | 1.46 M |
| Tax Provision | 597.00 K | 384.00 K | 339.00 K | 395.00 K | 488.00 K | 291.00 K |
| Net Income | 2.52 M | 1.58 M | 2.25 M | 1.70 M | 2.05 M | 1.17 M |
| EPS (Basic) | 0.98 | 0.62 | 0.88 | 0.66 | 0.80 | 0.45 |
| EPS (Diluted) | 0.98 | 0.61 | 0.87 | 0.66 | 0.79 | 0.45 |
| Shares Outstanding | 2.56 M | 2.56 M | 2.56 M | 2.56 M | 2.56 M | 2.55 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.