Sound Financial Statements From 2010 to 2025

SFBC Stock  USD 45.75  0.30  0.65%   
Sound Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Sound Financial's valuation are provided below:
Gross Profit
38 M
Profit Margin
0.1655
Market Capitalization
110 M
Enterprise Value Revenue
3.9984
Revenue
38 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 126.5 M. The current year's Enterprise Value is expected to grow to about 123.8 M

Sound Financial Total Revenue

35.69 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 1.2 M, Interest Expense of 27.7 M or Total Revenue of 35.7 M, as well as many indicators such as Price To Sales Ratio of 1.42, Dividend Yield of 0.0114 or PTB Ratio of 0.78. Sound financial statements analysis is a perfect complement when working with Sound Financial Valuation or Volatility modules.
  
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Check out the analysis of Sound Financial Correlation against competitors.

Sound Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets661.1 M993.6 M657.1 M
Slightly volatile
Short and Long Term Debt Total40 M40.8 M38 M
Slightly volatile
Other Current Liabilities526.5 M837.8 M537.8 M
Slightly volatile
Total Current Liabilities530.2 M838.6 M541.9 M
Slightly volatile
Total Stockholder Equity65.6 M103.7 M66.3 M
Slightly volatile
Property Plant And Equipment NetM8.4 M7.1 M
Slightly volatile
Retained Earnings43.2 M76.3 M43.8 M
Slightly volatile
Non Current Assets Total594.6 M938.7 M587.2 M
Slightly volatile
Non Currrent Assets Other50.5 M31.3 M36.2 M
Slightly volatile
Common Stock Shares Outstanding2.1 M2.6 M2.6 M
Slightly volatile
Liabilities And Stockholders Equity661.1 M993.6 M657.1 M
Slightly volatile
Non Current Liabilities Total47.5 M51.4 M47.8 M
Pretty Stable
Other Current Assets58.7 M61.8 M269.2 M
Slightly volatile
Total Liabilities595.5 M890 M590.8 M
Slightly volatile
Total Current Assets66.6 M54.9 M69.9 M
Slightly volatile
Other Stockholder Equity24.2 M28.4 M23.4 M
Slightly volatile
Common Stock21.1 K22.5 K25.4 K
Slightly volatile
Intangible Assets4.2 M4.8 M3.9 M
Slightly volatile
Other Liabilities7.1 M10.8 MM
Slightly volatile
Accounts Payable803.2 K765 K273.8 K
Slightly volatile
Cash65.5 M43.6 M59.9 M
Slightly volatile
Other Assets646.6 M930.3 M591.5 M
Slightly volatile
Long Term Debt33.3 M36.8 M30.4 M
Slightly volatile
Cash And Short Term Investments75.1 M51.4 M68.7 M
Slightly volatile
Net Receivables2.3 M3.5 M2.1 M
Slightly volatile
Common Stock Total Equity20.8 K23.4 K25.5 K
Slightly volatile
Property Plant And Equipment Gross10 M18.4 M9.2 M
Slightly volatile
Property Plant Equipment6.6 M6.3 MM
Slightly volatile
Short Term Investments7.5 M7.8 M8.8 M
Pretty Stable
Net Tangible Assets74.6 M112.4 M69.9 M
Slightly volatile
Retained Earnings Total Equity45 M81.4 M44.9 M
Slightly volatile
Capital Surpluse27.6 M32.2 M26 M
Slightly volatile
Long Term Investments9.4 M9.9 M286.9 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 Capital139.2 M140.4 M126.3 M
Pretty Stable
Capital Stock27.8 K28.8 K25.5 K
Slightly volatile

Sound Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.2 M1.6 M1.2 M
Slightly volatile
Interest Expense27.7 M26.4 M7.5 M
Slightly volatile
Total Revenue35.7 M62.1 M34.6 M
Slightly volatile
Other Operating Expenses29 M56.4 M27.5 M
Slightly volatile
Operating Income6.7 M5.6 M7.1 M
Slightly volatile
EBIT6.7 M5.6 M7.1 M
Slightly volatile
EBITDA7.9 M7.2 M8.4 M
Slightly volatile
Cost Of Revenue27.6 M26.3 M9.4 M
Slightly volatile
Total Operating Expenses19.2 M30.2 M19.4 M
Slightly volatile
Income Before Tax6.6 M5.6 M7.1 M
Slightly volatile
Net IncomeM4.6 M5.4 M
Slightly volatile
Income Tax Expense1.6 MM1.8 M
Pretty Stable
Selling General Administrative12.4 M17.6 M11.4 M
Slightly volatile
Gross Profit30 M35.7 M27.5 M
Slightly volatile
Net Income Applicable To Common Shares5.9 M10.1 M5.9 M
Slightly volatile
Net Income From Continuing Ops7.1 M4.6 MM
Slightly volatile
Tax Provision1.7 MM2.1 M
Slightly volatile
Net Interest Income30.8 M31 M25.6 M
Slightly volatile
Interest Income39.3 M57.4 M31.8 M
Slightly volatile
Reconciled Depreciation1.5 M1.6 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
Other Cashflows From Financing Activities11.6 M12.2 M41.6 M
Very volatile
Capital Expenditures72.2 K76 K792.7 K
Pretty Stable
Net IncomeM4.6 M5.4 M
Slightly volatile
End Period Cash Flow62.5 M43.6 M60.1 M
Slightly volatile
Stock Based Compensation363.1 K390 K332.1 K
Slightly volatile
Begin Period Cash Flow63.4 M49.7 M58 M
Slightly volatile
Depreciation1.5 M1.6 M1.3 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.422.15721.954
Slightly volatile
Dividend Yield0.01140.01460.0142
Slightly volatile
PTB Ratio0.781.29141.0457
Very volatile
Days Sales Outstanding17.2620.414421.3066
Pretty Stable
Book Value Per Share42.8140.768427.198
Slightly volatile
Stock Based Compensation To Revenue0.01070.00630.0098
Very volatile
Capex To Depreciation0.04570.04810.7152
Pretty Stable
PB Ratio0.781.29141.0457
Very volatile
ROIC0.03180.02990.0452
Slightly volatile
Net Income Per Share1.421.82482.0757
Slightly volatile
Payables Turnover48.5134.316344.3746
Slightly volatile
Sales General And Administrative To Revenue0.350.28340.3255
Very volatile
Capex To Revenue0.00120.00120.0273
Slightly volatile
Cash Per Share21.3820.226126.3821
Slightly volatile
Interest Coverage0.20.21411.6366
Pretty Stable
Payout Ratio0.440.41980.2367
Slightly volatile
Days Payables Outstanding8.5410.636310.5496
Slightly volatile
ROE0.05280.04480.0754
Pretty Stable
PE Ratio19.5728.853217.4903
Pretty Stable
Return On Tangible Assets0.00540.00470.0077
Pretty Stable
Earnings Yield0.05290.03470.0743
Very volatile
Intangibles To Total Assets0.00690.00480.0059
Slightly volatile
Current Ratio0.0960.06550.1207
Pretty Stable
Tangible Book Value Per Share40.8438.892925.7499
Slightly volatile
Receivables Turnover18.6917.879617.1001
Very volatile
Graham Number25.4240.912434.4257
Slightly volatile
Shareholders Equity Per Share42.8140.768427.198
Slightly volatile
Debt To Equity0.770.39330.6257
Pretty Stable
Capex Per Share0.02840.02990.3147
Pretty Stable
Revenue Per Share25.6324.406114.368
Slightly volatile
Interest Debt Per Share13.2426.405517.1947
Slightly volatile
Debt To Assets0.07240.0410.0612
Pretty Stable
Short Term Coverage Ratios0.280.410.2618
Slightly volatile
Price Earnings Ratio19.5728.853217.4903
Pretty Stable
Operating Cycle17.2620.414421.3066
Pretty Stable
Price Book Value Ratio0.781.29141.0457
Very volatile
Days Of Payables Outstanding8.5410.636310.5496
Slightly volatile
Dividend Payout Ratio0.440.41980.2367
Slightly volatile
Pretax Profit Margin0.140.0910.2019
Pretty Stable
Ebt Per Ebit0.80.890.9774
Slightly volatile
Operating Profit Margin0.140.0910.2019
Pretty Stable
Effective Tax Rate0.290.17820.2572
Slightly volatile
Company Equity Multiplier11.639.584910.2928
Slightly volatile
Long Term Debt To Capitalization0.390.26180.3239
Slightly volatile
Total Debt To Capitalization0.420.28230.3617
Pretty Stable
Return On Capital Employed0.04420.03640.0629
Slightly volatile
Debt Equity Ratio0.770.39330.6257
Pretty Stable
Ebit Per Revenue0.140.0910.2019
Pretty Stable
Quick Ratio0.0960.06550.1207
Pretty Stable
Net Income Per E B T0.590.82180.7353
Pretty Stable
Cash Ratio0.07780.0520.0961
Slightly volatile
Days Of Sales Outstanding17.2620.414421.3066
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio1.020.97410.9382
Slightly volatile
Price To Book Ratio0.781.29141.0457
Very volatile
Fixed Asset Turnover7.267.36886.2488
Slightly volatile
Debt Ratio0.07240.0410.0612
Pretty Stable
Price Sales Ratio1.422.15721.954
Slightly volatile
Return On Assets0.00530.00470.0076
Pretty Stable
Asset Turnover0.06170.06250.0543
Pretty Stable
Net Profit Margin0.10.07480.1479
Pretty Stable
Gross Profit Margin0.630.57510.7765
Very volatile
Price Fair Value0.781.29141.0457
Very volatile
Return On Equity0.05280.04480.0754
Pretty Stable

Sound Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap126.5 M120.5 M76.2 M
Slightly volatile

Sound Fundamental Market Drivers

Cash And Short Term Investments51.4 M

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 Revenue62.1 M35.7 M
Cost Of Revenue26.3 M27.6 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.28  0.35 
Revenue Per Share 24.41  25.63 
Ebit Per Revenue 0.09  0.14 

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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 Instant Ratings module to determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance.
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
1.548
Dividend Share
0.76
Earnings Share
2.54
Revenue Per Share
14.915
Quarterly Revenue Growth
0.17
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.