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Sound Financial (SFBC)

Sound Financial (SFBC)
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Sound Financial Inc. is the holding company for Sound Community Bank, a full-service bank, providing personal and business banking services in communities across the greater Puget Sound region. The company is a mutual savings bank that provides financial services to families and individuals. Its products and services include real estate-lending, loans, checking accounts, savings and money market accounts, individual retirement accounts, certificate of deposits, online services, online loan applications, computerized lending, Internet access, and lines of credit. The company also provides money transfer services, money orders, overdraft protection, auto transfer/direct deposits, accidental death and dismemberment insurance, credit life and disability insurance, identity theft insurance, merchant services, and mortgage loans. The Seattle based company operates banking offices in King, Pierce, Snohomish and Clallam Counties.

Fiscal Year End Date: 12/31

(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Sales 15,530 16,040 14,800 15,900 16,070
Sales Growth -3.18% +8.38% -6.92% -1.06% +5.72%
Net Income 1,700 2,050 1,170 1,920 1,150
Net Income Growth -17.07% +75.21% -39.06% +66.96% +43.75%
(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Total Assets 1,060,160 1,058,240 1,069,190 993,630 1,100,930
Total Assets Growth +0.18% -1.02% +7.60% -9.75% +2.43%
Total Liabilities 952,710 952,240 964,760 889,970 998,690
Total Liabilities Growth +0.05% -1.30% +8.40% -10.89% +2.59%
(Values in U.S. Thousands) Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024 Sep, 2024
Operating Cash Flow 5,160 1,360 1,850 2,930 2,780
Operating Cash Flow Growth +279.41% -26.49% -36.86% +5.40% +656.00%
Net Cash Flow 57,520 58,900 87,850 -6,050 99,240
Change in Net Cash Flow -2.34% -32.95% +1,552.07% -106.10% +16.18%
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