Sound Financial Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Sound Financial Bancorp, Inc.'s yearly results (2022–2025), compared with companies in Other. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by -3% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
-3% / +12%In 3 years sales changed by -3% while total assets changed by +12%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Tangible Net Worth Ratio
96%Of every $100 of net worth, $96 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (10)
Sound Financial Bancorp, Inc. owes $0.89 for every $1 it owns. Net profit rose 54% in the year to Dec 2025, and shrank 7% a year on average over 3 years.
Compared with companies in Other · latest annual results Dec 2025.
P/E ratio
14.5Investors pay $14.5 for every $1 of Sound Financial Bancorp, Inc.'s yearly profit.
P/B ratio
1.04The share price is 1.04 times Sound Financial Bancorp, Inc.'s book value per share.
Market cap
$117 MThe total market value of all of Sound Financial Bancorp, Inc.'s shares at today's price (share price × number of shares). PosiCap size class: Mini Cap.
Net worth (book value)
$113 MWhat Sound Financial Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$43.83Net worth divided by the number of shares. The share price of $45.39 is 1.0 times this, which is the P/B above.
Owes vs Owns
0.89×Sound Financial Bancorp, Inc. owes $0.89 for every $1 it owns (high). Banks and lenders usually show higher figures.
Dividend yield
1.89%Sound Financial Bancorp, Inc. pays 1.89% of its share price as dividends a year.
Revenue growth
+9%Revenue rose 9% in the year to Dec 2025, and shrank 1% a year on average over 3 years.
Profit growth
+54%Net profit rose 54% in the year to Dec 2025, and shrank 7% a year on average over 3 years.
Profit margin
18.4%Sound Financial Bancorp, Inc. keeps $18 of every $100 of revenue as net profit.
Questions
What is Sound Financial Bancorp, Inc.'s P/E ratio?
Investors pay $14.5 for every $1 of Sound Financial Bancorp, Inc.'s yearly profit.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Sound Financial Bancorp, Inc.: $117 M ÷ $113 M (30 Jun 2026) = 1.0.
How much does Sound Financial Bancorp, Inc. owe compared with what it owns?
Sound Financial Bancorp, Inc. owes $0.89 for every $1 it owns (high). Banks and lenders usually show higher figures.
Does Sound Financial Bancorp, Inc. pay a dividend?
Yes. Sound Financial Bancorp, Inc. pays 1.89% of its share price as dividends a year.
Is Sound Financial Bancorp, Inc.'s revenue growing?
Revenue rose 9% in the year to Dec 2025, and shrank 1% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.