All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2025-06-05.
From the record
Sound Financial Bancorp, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2025-06-05) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+9.7% a year over 10 filed years; profitable in 10 of 10.
From the record
Sound Financial Bancorp, Inc.'s 10 filed years say what it did: revenue went from $25 million in fiscal 2016 to $58 million in fiscal 2025, up 9.7% a year; it rose in 8 of 9 years; the deepest fall was 3% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.5% a year. 47% of cash flow returned. Insiders: 3 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Sound Financial Bancorp, Inc.'s diluted share count shrank about 0.5% a year, and dividends and buybacks returned about 47% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 3 sales (3 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 7%: 7¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Sound Financial Bancorp, Inc. earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 0.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 37% of 31 in its family; net margin 12.4%.
From the record
Sound Financial Bancorp, Inc.'s standing among 31 graded names in its industry family: revenue of $58 million in fiscal 2025 ranks in the bottom 34% by size; a net margin of 12.4% ranks in the bottom 37%; revenue growth of 13.1% a year over the last 3 filed years ranks in the bottom 40% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 30% of 25 in its family for leadership; chief executive since 2012.
From the record
Sound Financial Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Stewart, Laura Lee (Chief Executive Officer, as filed), filing under that title since 2012-08-21, 14.2 years (top 20% of its family); the 5 officers and directors filing in the last fifteen months have been on the record a median of 14.2 years (top 15%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 5 people in charge now (bottom 44%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 42% of 25 in its family for room to expand.
From the record
Sound Financial Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $138 million against no long-term debt tagged leaves 12.7% of its assets as net cash, top 12% of its family; cash from operations less capital spending is 12.1% of revenue (bottom 28%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 35% of 30 in its family for growth drivers.
From the record
Sound Financial Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 13.1% a year over the last three filed years against 9.7% over all 10, speeding up (top 48% of its family); the newest year grew 0.3% (bottom 38%); capital spending grew -24.7% a year (bottom 16%) (its annual reports). Sound Financial Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 34% of 29 in its family for expectations against reality.
From the record
Sound Financial Bancorp, Inc.'s newest year against its own record: revenue of $58 million in fiscal 2025 came in 16.4% below the $69 million its prior three years' pace pointed to (bottom 40% of its family); net income of $7 million against a prior three-year average of $7 million (bottom 33%); a net margin of 12.4% against 15% before (bottom 29%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made