Sound Financial Bancorp, Inc.
SFBC · Savings Institution, Federally Chartered · 2.6M shares · -0%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: -$325K (gross $65K, SBC $390K)
Reference price $44.13 · est. market cap ~$113M — last insider sale, 2026-03-31 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C65Sound Financial Bancorp — small Washington thrift with improving earnings.
Strengths
- Net income +54% (70th pct)
Risks
- Low ROA (55th); weak FCF (46th)
- Very small scale; rate sensitivity
Notable findings
- Strong balance sheetStrong balance sheet — $138M cash & investments
Key metrics
Return on equity
6.5%
Return on assets
0.7%
Net-income growth
54.3%
Free cash flow
$7M
Tangible book value
$109M
Cash & investments
$138M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-10 | Riojas Rogelio | Gift | 29K | — |
| 2026-03-31 | Stewart Laura Lee | Sell | 900 | $44.13 |
| 2025-12-10 | Jones Debra | Gift | 500 | — |
| 2025-12-04 | Ochs Wes | Tax withheld | 577 | $44.23 |
| 2025-12-04 | Ochs Wes | Option exercise | 900 | $28.34 |
| 2025-11-13 | Sexton Heidi | Tax withheld | 1.6K | $44.74 |
| 2025-11-13 | Sexton Heidi | Option exercise | 2.5K | $28.34 |
| 2025-11-13 | Sexton Heidi | Option exercise | 2.5K | $28.34 |
| 2025-11-13 | Sexton Heidi | Tax withheld | 1.6K | $44.74 |
| 2025-08-06 | Haddad David S Jr | Gift | 22 | — |
| 2025-06-09 | Jones Debra | Gift | 3.8K | — |
| 2025-01-06 | Carney Robert F | Option exercise | 300 | $18.36 |
| 2025-01-03 | Haddad David S Jr | Option exercise | 862 | $18.36 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-28 | Shareholder vote | filing ↗ |
| 2026-04-28 | ResultsOtherExhibits | filing ↗ |
| 2026-02-13 | OtherExhibits | filing ↗ |
| 2026-01-28 | ResultsOtherExhibits | filing ↗ |
| 2025-10-28 | ResultsOtherExhibits | filing ↗ |
| 2025-09-19 | Exec/director changeExhibits | filing ↗ |
| 2025-07-29 | ResultsOtherExhibits | filing ↗ |
| 2025-06-05 | Auditor changeExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-28 | 2026-05-26 | 0001541119-26-000020 ↗ |
| 10-Q | 2026-05-12 | 2026-03-31 | 0001541119-26-000018 ↗ |
| 8-K | 2026-04-28 | 2026-04-28 | 0001541119-26-000016 ↗ |
| 10-K | 2026-03-18 | 2025-12-31 | 0001541119-26-000008 ↗ |
| 8-K | 2026-02-13 | 2026-02-12 | 0001541119-26-000005 ↗ |
| 8-K | 2026-01-28 | 2026-01-27 | 0001541119-26-000003 ↗ |
| 10-Q | 2025-11-12 | 2025-09-30 | 0001541119-25-000041 ↗ |
| 8-K | 2025-10-28 | 2025-10-28 | 0001541119-25-000039 ↗ |
| 8-K | 2025-09-19 | 2025-09-18 | 0000927089-25-000162 ↗ |
| 10-Q | 2025-08-12 | 2025-06-30 | 0001541119-25-000034 ↗ |
| 8-K | 2025-07-29 | 2025-07-29 | 0001541119-25-000031 ↗ |
| 8-K | 2025-06-05 | 2025-06-03 | 0001541119-25-000028 ↗ |