Sound Financial Statements From 2010 to 2024

SFBC Stock  USD 39.15  0.45  1.14%   
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
38.7 M
Profit Margin
0.1901
Market Capitalization
101.3 M
Revenue
39.1 M
Earnings Share
2.86
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 2024 to make sure the company is sustainable down the road. The current year's Enterprise Value is expected to grow to about 125 M, whereas Market Cap is forecasted to decline to about 52.3 M.

Sound Financial Total Revenue

32.58 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 main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.5 M, Interest Expense of 17.6 M or Selling General Administrative of 16.5 M, as well as many exotic indicators such as Price To Sales Ratio of 1.73, Dividend Yield of 0.0117 or PTB Ratio of 0.78. Sound financial statements analysis is a perfect complement when working with Sound Financial Valuation or Volatility modules.
  
This module can also supplement various Sound Financial Technical models . Check out the analysis of Sound Financial Correlation against competitors.

Sound Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets703.8 M995.2 M644 M
Slightly volatile
Short and Long Term Debt Total42.1 M56.5 M38.5 M
Slightly volatile
Total Current Liabilities751.3 M715.5 M100.1 M
Slightly volatile
Total Stockholder Equity70.9 M100.7 M64.9 M
Slightly volatile
Other Liabilities7.1 M10.8 M6.8 M
Slightly volatile
Property Plant And Equipment Net7.9 M9.7 M7.2 M
Slightly volatile
Retained Earnings45.7 M73.6 M41.8 M
Slightly volatile
Accounts Payable776.1 K817 K2.1 M
Pretty Stable
Cash66.7 M49.7 M61.1 M
Slightly volatile
Non Current Assets Total988.6 M941.5 M144.8 M
Slightly volatile
Other Assets589.8 MB572.6 M
Slightly volatile
Long Term Debt32.7 M36.7 M30 M
Pretty Stable
Net Receivables2.2 M3.5 MM
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 M995.2 M644 M
Slightly volatile
Non Current Liabilities Total115.6 M179.1 M105.8 M
Slightly volatile
Other Current Assets51 M53.7 M302.9 M
Slightly volatile
Other Stockholder Equity25.3 M28 M23.2 M
Slightly volatile
Total Liabilities632.8 M894.6 M579.1 M
Slightly volatile
Property Plant And Equipment Gross20.1 M19.1 M9.2 M
Slightly volatile
Total Current Assets51 M53.7 M331.7 M
Slightly volatile
Intangible Assets3.8 M4.6 M3.5 M
Slightly volatile
Common Stock20.8 K25 K25.7 K
Slightly volatile
Property Plant Equipment6.6 M6.3 M6.1 M
Slightly volatile
Net Tangible Assets74.6 M112.4 M68 M
Slightly volatile
Retained Earnings Total Equity45 M81.4 M43.2 M
Slightly volatile
Short Term InvestmentsM8.3 M11.6 M
Slightly volatile
Capital Surpluse27.6 M32.2 M25.9 M
Slightly volatile
Long Term Investments9.9 M10.5 M305.4 M
Slightly volatile
Non Current Liabilities Other51.9 M66.5 M46.6 M
Slightly volatile
Earning Assets11.7 M13.3 M11.2 M
Slightly volatile
Net Invested Capital137 M152.4 M125.2 M
Pretty Stable
Capital Stock27.9 K25 K25.3 K
Slightly volatile

Sound Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.5 M1.7 M1.4 M
Slightly volatile
Interest Expense17.6 M16.8 M5.8 M
Slightly volatile
Selling General Administrative16.5 M17.1 M15.1 M
Slightly volatile
Total Revenue32.6 M55.6 M29.8 M
Slightly volatile
Gross Profit32.6 M55.6 M29.8 M
Slightly volatile
Other Operating Expenses48.9 M46.6 M20.3 M
Slightly volatile
Operating Income46.7 M44.4 M14.5 M
Slightly volatile
EBITDA1.6 M1.7 M9.8 M
Very volatile
Income Before Tax8.1 MM7.4 M
Slightly volatile
Net Income Applicable To Common Shares5.9 M10.1 M5.7 M
Slightly volatile
Net Income6.1 M7.4 M5.5 M
Slightly volatile
Income Tax Expense2.1 M1.6 M1.9 M
Slightly volatile
Net Income From Continuing Ops7.3 M9.2 M6.1 M
Slightly volatile
Tax Provision1.8 MM2.2 M
Slightly volatile
Net Interest Income30.4 M36 M25.2 M
Slightly volatile
Interest Income36.7 M49.1 M29.9 M
Slightly volatile
Reconciled Depreciation1.5 M1.8 M1.2 M
Slightly volatile
Selling And Marketing Expenses397.5 K377 K372.6 K
Very volatile

Sound Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation358.4 K450 K328 K
Slightly volatile
Begin Period Cash Flow64.1 M57.8 M58.6 M
Slightly volatile
Other Cashflows From Financing Activities16.6 M17.5 M87.4 M
Very volatile
Depreciation1.5 M1.7 M1.4 M
Slightly volatile
Capital Expenditures707.5 K444 K872.6 K
Pretty Stable
Net Income6.1 M7.4 M5.5 M
Slightly volatile
End Period Cash Flow66.7 M49.7 M61.1 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.731.79712.1314
Slightly volatile
Dividend Yield0.01170.01910.0136
Slightly volatile
PTB Ratio0.780.99280.9693
Slightly volatile
Days Sales Outstanding19.3822.660723.9048
Very volatile
Book Value Per Share20.1439.284524.8453
Slightly volatile
Invested Capital0.720.52480.651
Pretty Stable
Stock Based Compensation To Revenue0.00890.00810.0109
Very volatile
PB Ratio0.780.99280.9693
Slightly volatile
ROIC0.250.23930.0952
Slightly volatile
Net Income Per Share1.722.90342.1255
Slightly volatile
Payables Turnover1.0E-42.0E-42.0E-4
Slightly volatile
Sales General And Administrative To Revenue0.420.30820.5097
Very volatile
Cash Per Share21.6922.62826.7486
Slightly volatile
Interest Coverage2.172.65122.6719
Very volatile
Payout Ratio0.140.25720.1652
Slightly volatile
ROE0.0650.07390.0802
Slightly volatile
PE Ratio9.713.432611.9706
Very volatile
Return On Tangible Assets0.00660.00750.0081
Slightly volatile
Earnings Yield0.09260.07440.0848
Very volatile
Intangibles To Total Assets0.00650.00470.0059
Slightly volatile
Current Ratio0.07130.07511.2 K
Slightly volatile
Tangible Book Value Per Share19.0637.476723.5062
Slightly volatile
Receivables Turnover16.6516.107215.2393
Very volatile
Graham Number27.8650.658734.3577
Slightly volatile
Shareholders Equity Per Share20.1439.284524.8453
Slightly volatile
Debt To Equity0.720.52480.651
Pretty Stable
Revenue Per Share22.7921.70112.2771
Slightly volatile
Interest Debt Per Share14.0627.156517.3329
Slightly volatile
Debt To Assets0.07080.05310.0648
Pretty Stable
Price Earnings Ratio9.713.432611.9706
Very volatile
Price Book Value Ratio0.780.99280.9693
Slightly volatile
Dividend Payout Ratio0.140.25720.1652
Slightly volatile
Pretax Profit Margin0.190.16190.2409
Slightly volatile
Ebt Per Ebit0.190.20260.5955
Pretty Stable
Operating Profit Margin0.840.79910.4135
Slightly volatile
Effective Tax Rate0.30.17340.2717
Slightly volatile
Company Equity Multiplier11.089.887510.1382
Pretty Stable
Long Term Debt To Capitalization0.40.26730.3582
Slightly volatile
Total Debt To Capitalization0.410.34420.3763
Pretty Stable
Return On Capital Employed0.170.15880.0362
Slightly volatile
Debt Equity Ratio0.720.52480.651
Pretty Stable
Ebit Per Revenue0.840.79910.4135
Slightly volatile
Quick Ratio0.08160.0859209
Pretty Stable
Net Income Per E B T0.580.82660.7203
Slightly volatile
Cash Ratio0.0660.0694175
Pretty Stable
Days Of Sales Outstanding19.3822.660723.9048
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.750.93930.9227
Pretty Stable
Price To Book Ratio0.780.99280.9693
Slightly volatile
Fixed Asset Turnover5.725.7115.2303
Slightly volatile
Debt Ratio0.07080.05310.0648
Pretty Stable
Price Sales Ratio1.731.79712.1314
Slightly volatile
Return On Assets0.00660.00750.0081
Slightly volatile
Asset Turnover0.05210.05590.0478
Slightly volatile
Net Profit Margin0.140.13380.1762
Slightly volatile
Gross Profit Margin0.80.90.9809
Slightly volatile
Price Fair Value0.780.99280.9693
Slightly volatile
Return On Equity0.0650.07390.0802
Slightly volatile
Operating Cycle18.7521.122.9755
Slightly volatile

Sound Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap52.3 M91.1 M65.9 M
Slightly volatile

Sound Fundamental Market Drivers

Cash And Short Term Investments-49.7 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

There are typically three primary documents that fall into the category of financial statements. These documents include Sound Financial income statement, its balance sheet, and the statement of cash flows. Sound Financial investors use historical funamental 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 use each financial statement separately, they are all related. The changes in Sound Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Sound Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. We offer a historical overview of the basic patterns found on Sound Financial Financial Statements. Understanding these patterns can help to make the right decision on long term investment in Sound Financial. 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 Revenue55.6 M32.6 M
Cost Of Revenue 0.00  0.00 
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.31  0.42 
Research And Ddevelopement To Revenue 0.00  0.00 
Capex To Revenue(0.01)(0.01)
Revenue Per Share 21.70  22.79 
Ebit Per Revenue 0.80  0.84 

Currently Active Assets on Macroaxis

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.
Note that the Sound Financial Bancorp information on this page should be used as a complementary analysis to other Sound Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Portfolio Dashboard module to portfolio dashboard that provides centralized access to all your investments.

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When running Sound Financial's price analysis, check to measure Sound Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Sound Financial is operating at the current time. Most of Sound Financial's value examination focuses on studying past and present price action to predict the probability of Sound Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Sound Financial's price. Additionally, you may evaluate how the addition of Sound Financial to your portfolios can decrease your overall portfolio volatility.
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Is Sound Financial's industry 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
(0.58)
Dividend Share
0.74
Earnings Share
2.86
Revenue Per Share
15.272
Quarterly Revenue Growth
(0.18)
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.