Sound Financial Bancorp, Inc. · Savings Institution, Federally Chartered

SFBC

Low riskNext report: Around Jan 27, 2027 (est.)

View price ↗

The short version

A profitable company. Institutions are trimming.

Going well

Profitable every year for 10 years
Brings in more cash than it spends
Pays a 1.7% dividend yield

Money moves

Insiders sold $41K in the last 30 days, all through pre-planned sales
Institutions cut 6.3% from their holdings in the quarter ending June 2026 (18 bought, 26 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$44.90+0.4% that day

Company value: $115M; Share price times all shares
Price vs profit (P/E): 14.4x; You pay about $14 for each $1 of yearly profit
Dividend yield: 1.7%; Yearly dividend as a share of today's price
Cash vs value: 104%; A big cushion: cash is a large part of what the company is worth

From SFBC's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Profit, Jun '26

$2.5M+23% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $8.0M, up 28% from the 12 months before.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/4Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.6.7%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$7.0M
PassShare count not growingNot diluting owners. Falling means buybacks.-1.4% in 3 years

Free cash flow: $7.0M

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Oct 27After close5:15 pm ET

From the press release

KEY FINANCIAL RATIOS . (unaudited) . (1) Net interest income divided by average interest earning assets. (2) Noninterest expense divided by total revenue (net interest income and noninterest income).

The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗

EPS: $0.98; vs $0.79
Free cash flow: $166K
Share count: -0.1%; vs a year ago

Insider rating

Last 90 days

48Mixed

Pre-planned sales of $41K (weaker signal)

50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.

Weekly insider trend

13 weeks agoBoughtSoldThis week

Filing buzz

Last 7 days vs normal

0/ 100

This week: 1
Normal week: 0.4
vs normal: 2.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Distributing-6.3%

Institutions cut 6.3% from their holdings. 18 bought, 26 sold.

Shares held by institutions1.2M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

0.0%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

Total liabilities $953.2M

Shares outstandingLatest reported

Earnings reports

Last 12

Next reportAround Jan 27, 2027 (est.)Estimated from the same quarter last year

Results filedOct 27
Results filedJul 29
Results filedApr 28
Results filedJan 28
Results filedOct 28, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

5%+ holder update (passive)Aug 14 · View filing ↗Big holder

Insider trades

Open-market buys and sells, last 90 days

Bought$00 insiders

Sold$41K1 insider, 1 pre-planned

Insider	Trade	Shares	Avg price	Value	Owns after	Date
Laura Lee StewartChief Executive Officer	Sell	900	$45.99	$41K	8K	Sep 30Filing ↗
-10% of their holdings Held via CRT Pre-planned sale (10b5-1) Also Director Filed same day