| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 12.44% | 8.09% | 14.70% | 22.12% | 27.03% | 25.58% | 19.31% | 21.22% | 18.67% | 21.47% | 21.33% | 19.85% |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | — | — | — | — | — | — | — | — | — | — | 0.74 | — |
| ROE | 6.54% | 4.48% | 7.39% | 9.01% | 9.81% | 10.45% | 8.59% | 9.83% | 7.87% | 8.92% | 8.79% | 8.37% |
| ROA | 0.66% | 0.47% | 0.75% | 0.90% | 1.00% | 1.04% | 0.93% | 0.98% | 0.79% | 0.91% | 0.89% | 0.86% |
| Asset Turnover | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 |
| Book Value / Share | 42.46 | 40.40 | 38.99 | 37.39 | 35.54 | 32.97 | 30.09 | 27.90 | 25.37 | 23.48 | 21.14 | 19.46 |
Sound Financial Bancorp Inc. is a financial services company that operates as a bank holding entity. It primarily functions through its principal subsidiary, Sound Community Bank, which provides a comprehensive range of financial products and services to individuals, small to medium-sized businesses, and municipalities. The company's offerings include personal and business banking solutions, savings accounts, residential and commercial loans, and online banking services. Sound Financial Bancorp is known for maintaining a strong local presence in the communities it serves within the Pacific Northwest, particularly in Washington State. This strategic focus enables the company to tailor its financial solutions directly to the needs of its local customer base and fosters economic growth within its service areas. As a participant in the financial services sector, Sound Financial Bancorp plays a vital role in supporting local economies through financial intermediation and community involvement.