Sound Financial Statements From 2010 to 2025

SFBC Stock  USD 51.50  0.49  0.94%   
Sound Financial financial statements provide useful quarterly and yearly information to potential Sound Financial Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Sound Financial financial statements helps investors assess Sound Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Sound Financial's valuation are summarized below:
Gross Profit
35.8 M
Profit Margin
0.1297
Market Capitalization
124.5 M
Enterprise Value Revenue
4.6317
Revenue
35.8 M
We have found one hundred twenty available fundamental trend indicators for Sound Financial Bancorp, which can be analyzed and compared to other ratios and to its competition. Investors should ensure to double-check all of Sound Financial's current performance against the performance from 2010 to 2025 to make sure the company is sustainable down the road. The current year's Market Cap is expected to grow to about 126.6 M. The current year's Enterprise Value is expected to grow to about 125 M

Sound Financial Total Revenue

4.42 Million

Check Sound Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Sound Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 936.1 K, Interest Expense of 27.7 M or Selling General Administrative of 16.5 M, as well as many indicators such as Price To Sales Ratio of 30.22, Ptb Ratio of 0.77 or Capex To Depreciation of 0.29. Sound financial statements analysis is a perfect complement when working with Sound Financial Valuation or Volatility modules.
  
Check out the analysis of Sound Financial Correlation against competitors.

Sound Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets703.8 M1.1 B675.3 M
Slightly volatile
Short and Long Term Debt Total42.1 M65 M40.2 M
Slightly volatile
Total Current Liabilities3.1 M5.5 MM
Pretty Stable
Total Stockholder Equity70.9 M115.8 M68.1 M
Slightly volatile
Other Liabilities7.1 M10.8 MM
Slightly volatile
Property Plant And Equipment Net7.9 M11.2 M7.5 M
Slightly volatile
Retained Earnings45.7 M84.7 M44.5 M
Slightly volatile
Accounts Payable698.5 K735.3 KM
Pretty Stable
Cash66.7 M57.1 M60.8 M
Slightly volatile
Non Current Assets Total20.9 M28.5 M19.7 M
Slightly volatile
Other Assets619.7 M1.1 B597.6 M
Slightly volatile
Long Term Debt32.7 M42.2 M30.7 M
Slightly volatile
Cash And Short Term Investments75.5 M57.1 M68.4 M
Slightly volatile
Net Receivables2.2 MM2.1 M
Slightly volatile
Common Stock Total Equity20.8 K23.4 K25.5 K
Slightly volatile
Common Stock Shares Outstanding2.1 M2.6 M2.6 M
Slightly volatile
Liabilities And Stockholders Equity703.8 M1.1 B675.3 M
Slightly volatile
Non Current Liabilities Total1.1 BB268.3 M
Slightly volatile
Other Current Assets45.9 M48.3 M286.7 M
Slightly volatile
Other Stockholder Equity25.3 M32.2 M23.8 M
Slightly volatile
Total Liabilities632.8 MB607.2 M
Slightly volatile
Property Plant And Equipment Gross23.1 M22 M10.2 M
Slightly volatile
Total Current Assets45.4 M47.8 M313.6 M
Slightly volatile
Intangible Assets3.8 M5.3 M3.6 M
Slightly volatile
Common Stock20.8 K22.5 K25.5 K
Slightly volatile
Property Plant Equipment6.6 M6.3 MM
Slightly volatile
Net Tangible Assets74.6 M112.4 M69.9 M
Slightly volatile
Retained Earnings Total Equity45 M81.4 M44.9 M
Slightly volatile
Short Term InvestmentsM7.5 M11.3 M
Slightly volatile
Capital Surpluse27.6 M32.2 M26 M
Slightly volatile
Long Term Investments8.9 M9.4 M286.8 M
Slightly volatile
Non Current Liabilities Other51.9 M66.5 M47.3 M
Slightly volatile
Earning Assets11.7 M13.3 M11.2 M
Slightly volatile
Net Invested Capital137 M175.2 M128.3 M
Slightly volatile
Capital Stock27.9 K28.8 K25.5 K
Slightly volatile

Sound Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization936.1 K1.5 M1.2 M
Slightly volatile
Interest Expense27.7 M26.4 M7.7 M
Slightly volatile
Selling General Administrative16.5 M19.7 M15.4 M
Slightly volatile
Total Revenue4.4 M4.7 M26.2 M
Pretty Stable
Gross Profit4.4 M4.7 M26.2 M
Pretty Stable
Other Operating Expenses46.9 M44.7 M21.2 M
Slightly volatile
Operating Income10.8 M12.2 M10 M
Slightly volatile
EBIT10.6 M10.3 M9.7 M
Slightly volatile
EBITDA11.9 M12.2 M10.9 M
Slightly volatile
Income Before TaxM5.6 M7.3 M
Slightly volatile
Net Income Applicable To Common Shares5.9 M10.1 M5.9 M
Slightly volatile
Net IncomeM4.6 M5.5 M
Slightly volatile
Income Tax ExpenseMM1.8 M
Pretty Stable
Net Income From Continuing Ops7.3 M10.5 M6.4 M
Slightly volatile
Tax Provision1.8 M1.8 M2.2 M
Slightly volatile
Net Interest Income30.4 M41.4 M26.2 M
Slightly volatile
Interest Income36.7 M56.5 M31.6 M
Slightly volatile
Reconciled Depreciation1.5 M2.1 M1.2 M
Slightly volatile
Selling And Marketing Expenses376 K433.6 K300.8 K
Slightly volatile

Sound Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation358.4 K517.5 K339.8 K
Slightly volatile
Begin Period Cash Flow64.1 M66.5 M59.1 M
Slightly volatile
Other Cashflows From Financing Activities15.9 M16.7 M58 M
Pretty Stable
Depreciation1.5 M1.9 M1.4 M
Slightly volatile
Capital Expenditures707.5 K399.6 K843 K
Pretty Stable
Net Income6.1 M8.6 M5.7 M
Slightly volatile
End Period Cash Flow66.7 M57.1 M60.8 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio30.2228.77635.6191
Slightly volatile
PTB Ratio0.770.831.0146
Pretty Stable
Capex To Depreciation0.290.310.6887
Pretty Stable
PB Ratio0.770.831.0146
Pretty Stable
ROIC0.09440.08990.0397
Slightly volatile
Net Income Per Share1.431.82372.0814
Slightly volatile
Sales General And Administrative To Revenue0.420.30.4985
Pretty Stable
Interest Coverage0.540.572.24
Slightly volatile
ROE0.05380.06650.0768
Slightly volatile
PE Ratio19.5628.869417.4747
Pretty Stable
Return On Tangible Assets0.00540.00680.0078
Slightly volatile
Earnings Yield0.0530.03460.0744
Very volatile
Intangibles To Total Assets0.00660.00540.0056
Slightly volatile
Current Ratio12.0412.68979
Slightly volatile
Receivables Turnover16.5416.8615.2433
Very volatile
Debt To Equity0.790.650.643
Pretty Stable
Revenue Per Share1.741.829610.283
Pretty Stable
Debt To Assets0.0740.06530.0629
Pretty Stable
Dividend Yield0.01140.01860.0145
Slightly volatile
Days Sales Outstanding19.5122.4123.9592
Very volatile
Book Value Per Share39.9738.0726.9027
Slightly volatile
Stock Based Compensation To Revenue0.00890.0080.0108
Very volatile
Capex To Revenue0.00960.01010.0312
Slightly volatile
Cash Per Share21.7821.9326.5615
Slightly volatile
Payout Ratio0.140.230.2061
Very volatile
Tangible Book Value Per Share38.1336.3125.5294
Slightly volatile
Graham Number25.0249.0934.9886
Slightly volatile
Shareholders Equity Per Share39.9738.0726.9027
Slightly volatile
Capex Per Share0.20.210.3369
Pretty Stable
Interest Debt Per Share29.1127.7218.2824
Slightly volatile
Short Term Coverage Ratios0.280.410.2618
Slightly volatile
Price Earnings Ratio19.5628.869417.4747
Pretty Stable
Price Book Value Ratio0.770.831.0146
Pretty Stable
Pretax Profit Margin1.271.21290.3654
Slightly volatile
Ebt Per Ebit0.80.970.7425
Slightly volatile
Operating Profit Margin0.220.190.3052
Very volatile
Effective Tax Rate0.290.17820.2572
Slightly volatile
Company Equity Multiplier11.6911.3710.4081
Pretty Stable
Long Term Debt To Capitalization0.410.310.3301
Slightly volatile
Total Debt To Capitalization0.430.410.3703
Pretty Stable
Return On Capital Employed0.01060.00970.0143
Pretty Stable
Debt Equity Ratio0.790.650.643
Pretty Stable
Ebit Per Revenue0.220.190.3052
Very volatile
Quick Ratio12.0412.681.1 K
Slightly volatile
Net Income Per E B T0.590.82180.7353
Pretty Stable
Cash Ratio8.819.28165
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.880.840.9211
Pretty Stable
Price To Book Ratio0.770.831.0146
Pretty Stable
Fixed Asset Turnover6.695.985.7035
Slightly volatile
Debt Ratio0.0740.06530.0629
Pretty Stable
Price Sales Ratio30.2228.77635.6191
Slightly volatile
Return On Assets0.00540.00670.0078
Slightly volatile
Asset Turnover0.0560.05850.0493
Slightly volatile
Net Profit Margin1.050.99680.282
Slightly volatile
Gross Profit Margin0.80.90.9823
Slightly volatile
Price Fair Value0.770.831.0146
Pretty Stable
Return On Equity0.05380.06650.0768
Slightly volatile
Operating Cycle19.5122.4123.9592
Very volatile
Dividend Payout Ratio0.140.230.2061
Very volatile
Days Of Sales Outstanding19.5122.4123.9592
Very volatile

Sound Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap126.6 M120.6 M76 M
Slightly volatile

Sound Upcoming Events

22nd of April 2024
Upcoming Quarterly Report
View
31st of March 2024
Next Fiscal Quarter End
View

About Sound Financial Financial Statements

Sound Financial stakeholders use historical fundamental indicators, such as Sound Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Sound Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in Sound Financial's assets and liabilities are reflected in the revenues and expenses on Sound Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Sound Financial Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-939.5 K-986.5 K
Total Revenue4.7 M4.4 M
Sales General And Administrative To Revenue 0.30  0.42 
Revenue Per Share 1.83  1.74 
Stock Based Compensation To Revenue 0.01  0.01 
Capex To Revenue 0.01  0.01 
Ebit Per Revenue 0.19  0.22 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
When determining whether Sound Financial Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Sound Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Sound Financial Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Sound Financial Bancorp Stock:
Check out the analysis of Sound Financial Correlation against competitors.
You can also try the Risk-Return Analysis module to view associations between returns expected from investment and the risk you assume.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Sound Financial. If investors know Sound will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Sound Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.586
Dividend Share
0.76
Earnings Share
1.94
Revenue Per Share
14.043
Quarterly Revenue Growth
0.082
The market value of Sound Financial Bancorp is measured differently than its book value, which is the value of Sound that is recorded on the company's balance sheet. Investors also form their own opinion of Sound Financial's value that differs from its market value or its book value, called intrinsic value, which is Sound Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Sound Financial's market value can be influenced by many factors that don't directly affect Sound Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Sound Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Sound Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Sound Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.