Sound Financial Bancorp, Inc. (SFBC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Net Interest Income | 8.66M | 8.94M | 9.26M | 8.07M | 8.22M | 7.87M | 7.45M | 7.46M | 7.57M | 8.17M | 8.74M | 9.37M | 9.69M | 9.6M | 8.39M | 7.62M | 7.71M | 8.32M | 7.35M | 6.54M |
| NII Growth % | 5.38% | 13.55% | 24.26% | 8.19% | 8.63% | -3.61% | -14.82% | -20.39% | -21.89% | -14.89% | 4.19% | 23.01% | 25.59% | 15.39% | 14.16% | 16.55% | 7.12% | 24.88% | 6.6% | -2.85% |
| Net Interest Margin % | 0.79% | 0.84% | 0.87% | 0.75% | 0.83% | 0.72% | 0.69% | 0.69% | 0.76% | 0.79% | 0.87% | 0.93% | 0.99% | 0.98% | 0.9% | 0.79% | 0.84% | 0.9% | 0.8% | 0.7% |
| Interest Income | 14.28M | 14.65M | 14.91M | 13.71M | 14.74M | 14.84M | 14.04M | 13.76M | 13.34M | 12.69M | 12.41M | 12.17M | 11.82M | 10.78M | 8.99M | 8.21M | 8.36M | 9.1M | 8.41M | 8M |
| Interest Expense | 5.62M | 5.71M | 5.66M | 5.63M | 6.52M | 6.96M | 6.59M | 6.3M | 5.77M | 4.52M | 3.67M | 2.8M | 2.13M | 1.18M | 594K | 595K | 643K | 785K | 1.06M | 1.46M |
| Loan Loss Provision | 104K | 55K | 170K | -203K | 14K | 8K | -92K | -33K | -27K | 75K | -331K | 10K | 124K | 346K | 592K | 140K | 0 | 175K | 250K | 0 |
| Non-Interest Income | 987K | 873K | 1.11M | 1.09M | 1.18M | 1.24M | 1.18M | 1.09M | 1.07M | 1.08M | 1.96M | 885K | 1.02M | 1.03M | 1.01M | 1.52M | 1.48M | 1.43M | 1.71M | 2.72M |
| Non-Interest Income % | 6.46% | 5.62% | 6.93% | 7.4% | 7.43% | 7.68% | 7.75% | 7.34% | 7.4% | 7.85% | 13.65% | 6.78% | 7.93% | 8.69% | 10.15% | 15.64% | 15.07% | 13.59% | 16.91% | 25.38% |
| Total Revenue | 15.27M | 15.53M | 16.03M | 14.8M | 15.92M | 16.07M | 15.22M | 14.85M | 14.4M | 13.77M | 14.37M | 13.06M | 12.84M | 11.8M | 10M | 9.74M | 9.84M | 10.53M | 10.13M | 10.72M |
| Revenue Growth % | -4.06% | -3.41% | 5.31% | -0.33% | 10.53% | 16.75% | 5.87% | 13.71% | 12.18% | 16.65% | 43.73% | 34.13% | 30.47% | 12.05% | -1.24% | -9.17% | -19.07% | -0.41% | -1.56% | 14.58% |
| Non-Interest Expense | 6.96M | 7.67M | 7.66M | 7.91M | 7.08M | 7.68M | 7.75M | 7.65M | 7.31M | 7.71M | 7.57M | 7.53M | 7.12M | 7.07M | 6.79M | 6.82M | 6.93M | 6.32M | 5.99M | 6.18M |
| Efficiency Ratio | 45.58% | 49.39% | 47.77% | 53.45% | 44.47% | 47.78% | 50.95% | 51.52% | 50.74% | 56% | 52.65% | 57.67% | 55.46% | 59.86% | 67.91% | 70.05% | 70.41% | 59.98% | 59.13% | 57.64% |
| Operating Income | 2.58M | 2.09M | 2.54M | 1.46M | 2.31M | 1.42M | 982K | 933K | 1.35M | 1.46M | 3.47M | 2.71M | 3.46M | 3.21M | 2.02M | 2.18M | 2.27M | 3.25M | 2.83M | 3.08M |
| Operating Margin % | 16.93% | 13.46% | 15.85% | 9.85% | 14.51% | 8.84% | 6.45% | 6.28% | 9.39% | 10.63% | 24.13% | 20.79% | 26.97% | 27.22% | 20.23% | 22.4% | 23.06% | 30.9% | 27.9% | 28.72% |
| Operating Income Growth % | 11.9% | 47.08% | 158.66% | 56.27% | 70.73% | -2.94% | -71.69% | -65.64% | -60.92% | -54.42% | 71.48% | 24.48% | 52.58% | -1.32% | -28.39% | -29.14% | -49.52% | 11.36% | 5.84% | 148.03% |
| Pretax Income | 2.58M | 2.09M | 2.54M | 1.46M | 2.31M | 1.42M | 982K | 933K | 1.35M | 1.46M | 3.47M | 2.71M | 3.46M | 3.21M | 2.02M | 2.18M | 2.27M | 3.25M | 2.83M | 3.08M |
| Pretax Margin % | 16.93% | 13.46% | 15.85% | 9.85% | 14.51% | 8.84% | 6.45% | 6.28% | 9.39% | 10.63% | 24.13% | 20.79% | 26.97% | 27.22% | 20.23% | 22.4% | 23.06% | 30.9% | 27.9% | 28.72% |
| Income Tax | 339K | 395K | 488K | 291K | 389K | 267K | 187K | 163K | 142K | 295K | 577K | 547K | 539K | 666K | 409K | 458K | 407K | 663K | 574K | 627K |
| Effective Tax Rate % | 13.11% | 18.9% | 19.21% | 19.96% | 16.84% | 18.79% | 19.04% | 17.47% | 10.5% | 20.15% | 16.63% | 20.15% | 15.57% | 20.73% | 20.22% | 21% | 17.94% | 20.37% | 20.32% | 20.37% |
| Net Income | 2.25M | 1.7M | 2.05M | 1.17M | 1.92M | 1.15M | 795K | 770K | 1.21M | 1.17M | 2.89M | 2.17M | 2.92M | 2.55M | 1.61M | 1.72M | 1.86M | 2.59M | 2.25M | 2.45M |
| Net Margin % | 14.71% | 10.92% | 12.8% | 7.88% | 12.07% | 7.18% | 5.22% | 5.19% | 8.41% | 8.49% | 20.12% | 16.6% | 22.77% | 21.57% | 16.14% | 17.7% | 18.92% | 24.61% | 22.23% | 22.87% |
| Net Income Growth % | 16.92% | 46.88% | 158.11% | 51.56% | 58.63% | -1.28% | -72.51% | -64.48% | -58.57% | -54.08% | 79.18% | 25.83% | 56.98% | -1.77% | -28.3% | -29.7% | -46.71% | 11.01% | 5.78% | 149.85% |
| Net Income (Continuing) | 2.25M | 1.7M | 2.05M | 1.17M | 1.92M | 1.15M | 795K | 770K | 1.21M | 1.17M | 2.89M | 2.17M | 2.92M | 2.55M | 1.61M | 1.72M | 1.86M | 2.59M | 2.25M | 2.45M |
| EPS (Diluted) | 0.87 | 0.66 | 0.79 | 0.45 | 0.74 | 0.45 | 0.31 | 0.30 | 0.47 | 0.45 | 1.11 | 0.83 | 1.12 | 0.97 | 0.61 | 0.65 | 0.70 | 0.98 | 0.85 | 0.93 |
| EPS Growth % | 17.57% | 46.67% | 154.84% | 50% | 57.45% | 0% | -72.07% | -63.86% | -58.04% | -53.61% | 81.97% | 27.69% | 60% | -1.02% | -28.24% | -30.11% | -47.76% | 8.89% | 3.66% | 144.74% |
| EPS (Basic) | 0.88 | 0.66 | 0.80 | 0.45 | 0.75 | 0.45 | 0.31 | 0.30 | 0.47 | 0.45 | 1.12 | 0.84 | 1.14 | 0.99 | 0.62 | 0.66 | 0.72 | 1.00 | 0.87 | 0.95 |
| Diluted Shares Outstanding | 2.57M | 2.58M | 2.58M | 2.58M | 2.57M | 2.57M | 2.56M | 2.56M | 2.56M | 2.57M | 2.59M | 2.6M | 2.6M | 2.6M | 2.62M | 2.64M | 2.63M | 2.63M | 2.63M | 2.61M |