SFBC— Sound Financial Bancorp, Inc.

FinancialsBanking$119M mkt cap

Metric	FY2025	FY2024	FY2023	FY2022
Loans, including fees	$53.0M+4.9%	$50.5M+8.7%	$46.5M+21.7%	$38.2M
Interest and dividends on investments, cash and cash equivalents	$4.6M-33.0%	$6.9M+66.1%	$4.1M+155.8%	$1.6M
Total interest income	$57.6M+0.3%	$57.4M+13.4%	$50.6M+27.2%	$39.8M
Deposits	$20.9M-13.2%	$24.1M+70.3%	$14.1M+379.2%	$3.0M
Borrowings	$1.0M-37.1%	$1.6M-16.8%	$2.0M+122.2%	$878K
Subordinated notes	$701K+4.3%	$672K+0.0%	$672K+0.0%	$672K
Total interest expense	$22.6M-14.2%	$26.4M+57.4%	$16.8M+272.4%	$4.5M
Net interest income	$34.9M+12.7%	$31.0M-8.4%	$33.9M-4.1%	$35.3M
PROVISION FOR (RELEASE OF) CREDIT LOSSES	$127K+205.8%	-$120K+56.0%	-$273K-123.6%	$1.2M
Net interest income after provision for (release of) credit losses	$34.8M+11.8%	$31.1M-8.8%	$34.1M-0.0%	$34.1M
Service charges and fee income	$2.7M+1.9%	$2.6M+3.7%	$2.5M+6.7%	$2.4M
Earnings on BOLI	$837K+33.9%	$625K-47.0%	$1.2M+438.4%	$219K
Mortgage servicing income	$1.0M-6.4%	$1.1M-5.2%	$1.2M-5.1%	$1.2M
Fair value adjustment on MSRs	-$711K-17675.0%	-$4K+98.2%	-$219K-205.8%	$207K
Net gain on sale of loans	$260K+0.8%	$258K-24.1%	$340K-37.7%	$546K
Other income	-$137K-460.5%	$38K	$0	—
Total noninterest income	$4.0M-14.8%	$4.7M-7.0%	$5.0M+9.3%	$4.6M
Salaries and benefits	$16.7M-5.0%	$17.6M+2.7%	$17.1M+4.4%	$16.4M
Operations	$6.0M+1.3%	$5.9M-3.3%	$6.1M+3.6%	$5.9M
Regulatory assessments	$610K-22.5%	$787K+14.4%	$688K+52.2%	$452K
Occupancy	$1.7M+4.7%	$1.7M-8.0%	$1.8M+4.2%	$1.7M
Data processing	$5.0M+18.8%	$4.2M-3.7%	$4.4M+30.6%	$3.4M
Net loss (gain) and expenses on OREO and repossessed assets	$37K+219.4%	-$31K-338.5%	$13K	$0
Total noninterest expense	$30.1M-0.1%	$30.1M+0.0%	$30.1M+8.2%	$27.8M
Income before provision for income taxes	$8.7M+53.6%	$5.6M-37.3%	$9.0M-17.2%	$10.9M
Provision for income taxes	$1.5M+50.5%	$1.0M-35.6%	$1.6M-24.7%	$2.1M
Net income	$7.2M+54.3%	$4.6M-37.6%	$7.4M-15.5%	$8.8M
Basic (in dollars per share)	$2.79+54.1%	$1.81-37.2%	$2.88-15.0%	$3.39
Diluted (in dollars per share)	$2.77+53.9%	$1.80-37.1%	$2.86-14.6%	$3.35
Basic (in shares)	2.6M+0.5%	2.5M-0.8%	2.6M-0.6%	2.6M
Diluted (in shares)	2.6M+0.4%	2.6M-0.6%	2.6M-1.2%	2.6M

Source: SEC EDGAR XBRL. % change vs prior period shown where available.

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Source: SEC EDGAR 10-K and 10-Q filings. Last 4 years annual and quarterly free, full history (up to 20 years) on Pro.