Sound Financial Bancorp financials
$46.41+0.11%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $61.5M | $62.0M | $55.8M | $44.4M | $41.2M | $42.4M | $38.6M | $37.5M | $31.3M | $30.2M |
| Gross profit | $38.9M | $35.7M | $39.1M | $39.9M | $37.2M | $34.9M | $31.0M | $32.1M | $27.9M | $27.2M |
| Gross margin | 63.2% | 57.5% | 70.0% | 89.9% | 90.4% | 82.4% | 80.3% | 85.7% | 89.2% | 90.3% |
| Operating income | $8.7M | $5.6M | $9.0M | $10.9M | $11.4M | $11.3M | $8.3M | $8.7M | $8.2M | $8.1M |
| Net income | $7.1M | $4.6M | $7.4M | $8.7M | $9.1M | $8.9M | $6.7M | $7.0M | $5.1M | $5.4M |
| Net margin | 11.6% | 7.4% | 13.3% | 19.7% | 22.1% | 21.1% | 17.3% | 18.8% | 16.4% | 17.8% |
| Diluted EPS | $2.77 | $1.80 | $2.86 | $3.35 | $3.46 | $3.42 | $2.59 | $2.74 | $2.00 | $2.09 |
| EBITDA | $8.7M | $5.6M | $9.2M | $10.9M | $11.4M | $11.3M | $8.3M | $8.7M | $8.2M | $8.1M |
| Operating cash flow | $7.2M | $2.9M | $6.9M | $10.1M | $19.1M | -$484.0K | $11.1M | $10.3M | $6.8M | $7.1M |
| Free cash flow | $7.0M | $2.9M | $6.4M | $9.7M | $18.8M | -$891.0K | $10.4M | $9.6M | $4.4M | $6.1M |
| Diluted shares | 2.6M | 2.6M | 2.6M | 2.6M | 2.6M | 2.6M | 2.6M | 2.6M | 2.6M | 2.6M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $138.5M | $43.6M | $49.7M | $57.8M | $183.6M | $193.8M |
| Short-term investments | $10.7M | $11.7M | $12.8M | $15.2M | $9.5M | $11.1M |
| Total debt | $17.8M | $36.8M | $51.7M | $54.7M | $11.6M | $11.6M |
| Total assets | $1.09B | $993.6M | $995.2M | $976.4M | $919.7M | $861.4M |
| Total liabilities | $982.8M | $890.0M | $894.6M | $878.6M | $826.3M | $775.9M |
| Shareholders' equity | $109.4M | $103.7M | $100.7M | $97.7M | $93.4M | $85.5M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology