Sound Financial Bancorp, Inc. (SFBC) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	62.2M	61.6M	62.1M	55.6M	44.4M
Cost of Revenue	21.7M	22.8M	26.3M	16.5M	5.7M
Gross Profit	40.5M	38.9M	35.7M	39.1M	38.7M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	18.6M	18.5M	17.6M	17.1M	16.4M
General & Admin Expense	18.6M	18.5M	17.6M	17.1M	16.4M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	11.3M	11.7M	12.6M	13.0M	11.4M
Total Operating Expenses	29.9M	30.2M	30.2M	30.1M	27.8M
Cost and Expenses	51.6M	52.9M	56.4M	46.6M	33.5M
Operating Income (EBIT)	10.6M	8.7M	5.6M	9.0M	10.9M
Non-Operating
Interest Income	58.0M	57.6M	57.4M	50.6M	39.8M
Interest Expense	21.3M	22.6M	26.4M	16.8M	4.5M
Net Interest Income	36.7M	34.9M	31.0M	33.9M	35.3M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	10.6M	8.7M	5.6M	9.0M	10.9M
Income Tax Expense	1.9M	1.5M	1.0M	1.6M	2.1M
Bottom Line
Net Income	8.7M	7.2M	4.6M	7.4M	8.8M
Earnings from Cont. Ops	8.7M	7.2M	4.6M	7.4M	8.8M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	8.7M	7.2M	4.6M	7.4M	8.7M
Per Share
Basic EPS	$3.39	$2.80	$1.81	$2.89	$3.41
Diluted EPS	$3.37	$2.78	$1.80	$2.86	$3.37
Revenue Per Share	$24.25	$24.10	$24.41	$23.36	$17.21
Shares
Basic Shares Outstanding	2.6M	2.6M	2.5M	2.4M	2.6M
Diluted Shares Outstanding	2.6M	2.6M	2.6M	2.4M	2.6M
Profitability Metrics
EBITDA	12.6M	10.2M	7.2M	10.7M	12.5M
D&A	2.0M	1.5M	1.6M	1.7M	1.6M
EBIT	10.6M	8.7M	5.6M	9.0M	10.9M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026