Sound Financial Bancorp, Inc. (SFBC)

Sound Financial Bancorp's stock price has experienced fluctuations, with a decrease of 17.74% over the last 12 months and a year-to-date return of -15.63%. Key events include the Q3 2025 earnings report with a net income of $1.7 million, a dividend declaration of $0.19 per share, the Q2 2025 earnings report with a net income of $2.3 million, and the Q4 2024 earnings report with a net income of $1.9 million.

The demand for Sound Financial Bancorp, Inc.'s products and services is influenced by local economic conditions in Washington. Real estate and construction loans are subject to seasonal fluctuations in the housing and construction markets. The mortgage banking sector has experienced subdued demand, impacting the bank's operations.

Sound Financial Bancorp, Inc. operates as the holding company for Sound Community Bank, focusing on attracting retail and commercial deposits and investing in various loan products. The company offers loans secured by real estate, commercial business loans, consumer loan products, and insurance products and services through its subsidiary, Sound Community Insurance Agency, Inc.

Sound Financial Bancorp, Inc. is headquartered in Seattle, Washington, with Sound Community Bank operating full-service branches across Washington state, including Seattle, Tacoma, Mountlake Terrace, Sequim, Port Angeles, Port Ludlow, and University Place. Additionally, it maintains a Loan Production Office in Seattle's Madison Park neighborhood. The company's loan portfolio is concentrated in Washington, making local economic conditions a significant factor.

Sound Financial Bancorp, Inc., through Sound Community Bank, has received accolades such as Laurie Stewart being named one of American Banker's Most Powerful Women in Banking, a Puget Sound Business Journal Most Admired CEO Award, Newsweek's Top Regional Banks for 2024, recognition as a Puget Sound Business Journal Top Corporate Philanthropist, and Bank On National Account Standards Certification for its Navigator Deposit Account.

Individual investors are the largest shareholders of Sound Financial Bancorp, Inc., holding a 41% ownership stake, followed by institutions at 23% and hedge funds at 20%. Major institutional owners include Stilwell Value LLC, BlackRock, Inc., and JPMorgan Chase & Co. The company's CEO, Laura Stewart, directly holds 3.2% of the total shares outstanding.