Sound Financial Bancorp, Inc. (SFBC)

Nasdaq: SFBC · Savings Institution, Federally Chartered · Seattle, WA · filing with the SEC since 2012

Grade4.8

◀ Past 5.3● Present 4.5▶ Future 4.2

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 18, 2026	Mar 18, 2025	Mar 22, 2024	Mar 14, 2023	Mar 15, 2022	Mar 30, 2021	Mar 12, 2020	Mar 14, 2019	Mar 27, 2018	Mar 27, 2017
For lenders
Interest and dividend income	57,557	57,374	50,609	39,795	33,874	34,936	34,581	33,167^r	27,449	25,050
Interest expense on deposits and borrowings	22,630	26,372	16,759	·	·	·	·	·	·	·
Net interest income	34,927	31,002	33,850	35,295	29,920	27,486	26,964	27,807^r	24,081	22,131
Provision for credit losses	127	-120	-273	1,156^r	425	925	-125	525	500	454
Net interest income after provision	34,800	31,122	34,123	34,139^r	29,495	26,561	27,089	27,282^r	23,581	21,677
Noninterest income	3,964	4,655	5,006	4,582	7,329	7,445	4,026	4,286^r	3,859	5,117
Noninterest expense	30,092	30,131	30,129	27,845^r	25,396	22,678	22,785	22,823	19,247	18,721
Selling, general and administrative	5,973	5,894	6,095	5,881^r	5,765	5,461	5,905	5,472^r	4,348	4,361
Interest expense	·	·	16,759	4,500	3,954	7,450	7,617	5,360	3,368	2,919
Income before income taxes	8,672	5,646	9,000	10,876	11,428	11,328	8,330	8,745	8,193	8,073
Income tax expense	1,514	1,006	1,561	2,072	2,272	2,391	1,651	1,706	3,068	2,695
Net income	7,158	4,640	7,439	8,804	9,156	8,937	6,679	7,039	5,125	5,378
Net income to common shareholders	7,131	4,609	7,392	8,743	9,093^r	8,937	·	·	·	·
Earnings per share, basic	2.79	1.81	2.88	3.39	3.52	3.46	2.63	2.82	2.05	2.16
Earnings per share, diluted	2.77	1.80	2.86	3.35	3.46	3.42	2.57	2.74	2.00	2.09
Weighted average shares, basic	2,556,254	2,542,805	2,562,182	2,578,496	2,582,775	2,562,650	2,527,329	2,498,161	2,504,430	2,486,936
Weighted average shares, diluted	2,576,681	2,565,938	2,581,702	2,613,414	2,626,516	2,592,532	2,583,312	2,567,165	2,568,082	2,566,980

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Selling, general and administrative the cost of selling and of running the companyus-gaap:SellingGeneralAndAdministrativeExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton SFBC · research, not advice