Sound Financial Bancorp, Inc. (SFBC)

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Sound Financial Bancorp, Inc.

SFBC • CIK 0001541119

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases	$46,470	$50,499	$52,950	$53,750
Interest and Dividend Income, Securities, Operating	$4,139	$6,875	$4,607	$4,495
Interest and Dividend Income, Operating	$50,609	$57,374	$57,557	$58,245
Interest Income (Expense), Net	$33,850	$31,002	$34,927	$36,237
Financing Receivable, Credit Loss, Expense (Reversal)	$-273	$-120	$127	$60
Interest Income (Expense), after Provision for Loan Loss	$34,123	$31,122	$34,800	$36,177
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$9,000	$5,646	$8,672	$9,746
Income Tax Expense (Benefit)	$1,561	$1,006	$1,514	$1,716
Net Income (Loss) Attributable to Parent	$7,439	$4,640	$7,158	$8,030
Interest Expense, Deposits	$14,136	$24,076	$20,908	$20,578
Interest Expense, Other Long-term Debt	$1,951	$1,624	$1,021	$690
Interest Expense, Subordinated Notes and Debentures	$672	$672	$701	$740
InterestExpenseOperating	—	$26,372	$22,630	$22,008
Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions	$2,527	$2,620	$2,669	$2,628
Bank Owned Life Insurance Income	$1,179	$625	$837	$821
Fees and Commissions, Mortgage Banking and Servicing	$1,179	$1,118	$1,046	$1,008
Mortgage Servicing Rights (MSR) Impairment (Recovery)	$219	$4	$711	$553
Gain (Loss) on Sales of Loans, Net	$340	$258	$260	$379
Noninterest Income, Other	—	$38	$-137	$-198
Noninterest Income	$5,006	$4,655	$3,964	$4,085
Labor and Related Expense	$17,135	$17,590	$16,708	$16,895
Selling, General and Administrative Expense	$6,095	$5,894	$5,973	$6,283
Occupancy, Net	$1,810	$1,665	$1,743	$1,705
Information Technology and Data Processing	$4,388	$4,226	$5,021	$5,093
Noninterest Expense	$30,129	$30,131	$30,092	$30,516
Weighted Average Number of Shares Outstanding, Basic	2,562,182	2,542,805	2,556,254	2,564,157
Weighted Average Number of Shares Outstanding, Diluted	2,581,702	2,565,938	2,576,681	2,572,783
Dividends	$12	$13	$7	$5
Undistributed Earnings (Loss) Allocated to Participating Securities, Basic	$35	$18	$20	$17
Net Income (Loss) Available to Common Stockholders, Basic	$7,392	$4,609	$7,131	$8,008
Weighted Average Number Diluted Shares Outstanding Adjustment	19,520	23,133	20,427	8,626
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	7,892	0	0	0

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Cash Equivalents, at Carrying Value	$49,690	$43,641	$138,453	$120,072
Debt Securities, Available-for-sale	$8,287	$7,790	$7,699	$7,575
DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss	$2,166	$2,130	$1,892	$1,876
Financing Receivable, Held-for-Sale	$603	$487	$542	$1,591
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	$894,478	$900,171	$905,533	$891,969
Liabilities and Equity	$995,221	$993,633	$1,092,173	$1,065,724
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$8,760	$8,499	$8,605	$8,420
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$885,718	$891,672	$896,928	$883,549
Interest Receivable	$3,452	$3,471	$3,771	$3,747
Bank Owned Life Insurance	$21,860	$22,490	$23,327	$24,055
Other Real Estate and Foreclosed Assets	$575	$0	$344	$47
Servicing Asset at Fair Value, Amount	$4,632	$4,769	$4,183	$4,277
Federal Home Loan Bank Stock	$2,396	$1,730	$1,060	$670
Property, Plant and Equipment, Net	$5,240	$4,697	$4,239	$4,127
Other Assets	$6,106	$7,031	$6,312	$6,249
Advances from Federal Home Loan Banks	$40,000	$25,000	$10,000	$0
Interest Payable	$817	$765	$674	$634
Other Liabilities	$9,563	$9,371	$10,366	$9,597
Advance Payments by Borrowers for Taxes and Insurance	$1,110	$1,260	$1,387	$1,119
Subordinated Debt	$11,717	$11,759	$7,801	$7,822
Liabilities	$894,567	$889,967	$982,774	$953,156
Preferred Stock, Value, Issued	$0	$0	$0	$0
Common Stock, Value, Issued	$25	$25	$25	$25
Additional Paid in Capital	$27,990	$28,413	$28,737	$28,846
Retained Earnings (Accumulated Deficit)	$73,627	$76,272	$81,483	$84,496
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-988	$-1,044	$-846	$-799
Stockholders' Equity Attributable to Parent	$100,654	$103,666	$109,399	$112,568
Interest-bearing Deposit Liabilities	$699,813	$705,267	$816,309	$801,541
Noninterest-bearing Deposit Liabilities	$126,726	$132,532	$132,566	$129,340
Deposits	$826,539	$837,799	$948,875	$930,881
Debt Securities, Available-for-sale, Amortized Cost	$9,539	$9,112	$8,770	$8,586
Debt Securities, Held-to-maturity, Fair Value	$1,787	$1,712	$1,578	$1,572
Preferred Stock, Shares Authorized	10,000,000	10,000,000	10,000,000	10,000,000
Preferred Stock, Shares Issued	0	0	0	0
Common Stock, Shares Authorized	40,000,000	40,000,000	40,000,000	40,000,000
Common Stock, Shares, Issued	2,549,427	2,564,907	2,567,953	2,568,043
Operating Lease, Right-of-Use Asset	$4,496	$3,725	$3,319	$2,798
Finance Lease, Right-of-Use Asset, after Accumulated Amortization	—	—	$104	$91
Operating Lease, Liability	$4,821	$4,013	$3,565	$3,009
Finance Lease, Liability	—	—	$106	$94

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$7,439	$4,640	$7,158	$8,030
Net Cash Provided by (Used in) Operating Activities	$6,886	$2,932	$7,161	$7,532
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$-8,146	$-6,049	$94,812	$17,531
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$49,690	$43,641	$138,453	$144,943
Accretion (Amortization) of Discounts and Premiums, Investments	$-81	$-84	$-84	$-84
Proceeds from Sale and Maturity of Debt Securities, Available-for-sale	$2,043	$385	$300	$320
Financing Receivable, Credit Loss, Expense (Reversal)	$-273	$-120	$127	$60
Proceeds from Sale and Maturity of Held-to-maturity Securities	$33	$35	$238	$237
Depreciation, Amortization and Accretion, Net	$717	$619	$491	$432
Payments for (Proceeds from) Loans and Leases	$28,660	$5,049	$3,537	$-13,174
Share-based Payment Arrangement, Noncash Expense	$450	$390	$303	$253
Proceeds from Sale of Federal Home Loan Bank Stock	—	—	$670	$670
Mortgage Servicing Rights (MSR) Impairment (Recovery)	$219	$4	$711	$553
Payments for (Proceeds from) Life Insurance Policies	$-633	$5	$0	$0
Operating Lease, Right-of-Use Asset, Amortization Expense	$935	$960	$1,015	$1,013
Payments to Acquire Property, Plant, and Equipment	$444	$76	$170	$198
Proceeds from Sale of Property, Plant, and Equipment	—	—	$0	$0
Proceeds from Sale of Other Real Estate	$71	$727	$0	$349
Gain (Loss) on Disposition of Property Plant Equipment	—	$38	$-137	$-190
Net Cash Provided by (Used in) Investing Activities	$-26,324	$-3,945	$-2,499	$9,621
Gain (Loss) on Sales of Loans, Net	$340	$258	$260	$379
Proceeds from Sale of Loans Held-for-sale	$19,335	$14,273	$15,069	$22,911
Payments for Origination and Purchases of Loans Held-for-sale	$19,762	$14,899	$17,264	$23,365
Gains (Losses) on Sales of Other Real Estate	$-13	$37	$0	$-9
Increase (Decrease) in Deposits	$17,776	$11,260	$111,076	$31,422
Payments of FHLBank Borrowings, Financing Activities	$43,000	$15,000	$15,000	$25,000
Repayments of Notes Payable	—	—	$4,000	$4,000
Payments for Repurchase of Common Stock	$2,137	$65	$0	$0
Payments of Ordinary Dividends, Common Stock	$1,913	$1,948	$1,947	$2,051
Payment, Tax Withholding, Share-based Payment Arrangement	$265	$218	$130	$130
Proceeds from Stock Options Exercised	$395	$269	$151	$133
Net Cash Provided by (Used in) Financing Activities	$11,292	$-5,036	$90,150	$378
Income Taxes Paid, Net	$2,400	$831	$1,925	$1,560
Interest Paid, Excluding Capitalized Interest, Operating Activities	$16,337	$26,424	$22,721	$22,008
Increase (Decrease) in Accrued Interest Receivable, Net	$369	$19	$300	$89
Increase (Decrease) in Other Operating Assets	$688	$637	$-596	$-211
IncreaseDecreaseInOperatingLeaseLiability	$-956	$-997	$-1,055	$-1,055
Increase (Decrease) in Interest Payable, Net	$422	$-52	$-91	$0
Increase (Decrease) in Other Operating Liabilities	$1,245	$-233	$1,080	$-757
Transfer of Loans Held-for-sale to Portfolio Loans	—	—	$344	$-795
Real Estate Owned, Transfer to Real Estate Owned	—	$115	$2,275	$1,975
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	$329	$189	$583	$66
Right-of-Use Asset Obtained in Exchange for Finance Lease Liability	—	—	$130	$0

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Import this data to Google Sheets with:

=jivedata("SFBC","financials")

Full statements spill as a table. For one cell: =jivedata("SFBC","Revenue") or =jivedata("SFBC","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.