Sound Financial Bancorp, Inc. (SFBC)

In the past six months, Sound Financial Bancorp, Inc. reported its Q3 and Q4 2025 financial results and declared dividends. The company reported a net income of $1.7 million, or $0.66 diluted earnings per share, for Q3 2025. Sound Financial Bancorp reported strong Q4 2025 results with net income rising to $2.2 million, or $0.87 diluted earnings per share. The Board of Directors declared a cash dividend of $0.19 per share payable on November 25, 2025, and a cash dividend of $0.21 per share payable on February 23, 2026. As of early February 2026, SFBC shares have increased by 1.3% since the beginning of 2026, with the stock moving between $42.75 and $52.86 over the past year.

Demand for loans typically experiences seasonal patterns, with low points in January and February, increasing in March and peaking in August or September, followed by a drop until bottoming out in December. Lower interest rates tend to increase loan demand, and higher rates decrease it. Sound Financial Bancorp experiences seasonally lower interchange income during the first half of the fourth quarter, before reverting to seasonally higher monthly averages during the holiday period. The company also noted in Q4 2023 that it restructured positions due to ongoing subdued demand in the mortgage banking sector.

Sound Financial Bancorp, Inc. operates in the Financial sector, specifically in the Regional - Pacific Banks industry, offering deposit products like checking, savings, money market accounts, and CDs. The company provides residential real estate loans, commercial and multifamily real estate loans, commercial business and construction loans, and consumer and specialty loans. Additionally, they offer treasury management, merchant services, digital banking platforms, and wealth advisory and trust services.

The company's market presence is concentrated in Washington state, particularly within the Puget Sound region. Sound Community Bank maintains full-service branches in Seattle, Tacoma, Mountlake Terrace, Sequim, Port Angeles, Port Ludlow, and University Place, along with a Loan Production Office in the Madison Park neighborhood of Seattle.

Sound Financial Bancorp and its CEO, Laurie Stewart, have received positive recognition in the past year. Laurie Stewart was named one of American Banker's "Most Powerful Women To Watch" in September 2025 and September 2024. The company has also been consistently recognized as one of the top corporate philanthropists in the Pacific Northwest since 2015.

Sound Financial Bancorp is owned by a mix of institutional shareholders, company insiders, and retail investors. Institutional shareholders hold 37.17% of the company, Sound Financial Bancorp insiders own 28.41%, and retail investors account for 34.42%. Major institutional owners include Stilwell Value LLC, Blackrock Inc, Alliancebernstein LP, Kennedy Capital Management LLC, Geode Capital Management LLC, and Vanguard Group Inc. Laura Lee Stewart is the largest individual owner, holding 6.34% of the company's shares.