SFBC
Sound Financial Bancorp, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Sell
-32/100
Last price
43.05
■ 0.00 (0.00%)
MARKET · —
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Tool
1D
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Range —
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Open
—
Prev close
43.05
Day high
45.19
Day low
43.01
Volume
2.32K
Market cap
$110.55M
P/E (TTM)
13.80
52W range
40.68 – 49.21
Trailing performance
Returnvs SPY
1W
-7.24%
-9.2%
1M
-9.84%
-11.0%
3M
+0.02%
-4.5%
6M
-0.55%
-18.7%
YTD
-1.33%
-15.6%
1Y
-7.28%
-23.7%
3Y
+16.45%
-65.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on SFBC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+32.04K
Net buying
Buy transactions
2
33.84K shares
Sell transactions
2
1.80K shares
Net transactions
+4
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
406.67K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 30, 26 | STEWART LAURA LEE Chief Executive Officer |
SELL | 900 | $41.39K | Indirect |
| Aug 18, 26 | JONES DEBRA L Director |
STOCK | 4.92K | $0 | Direct |
| Jun 30, 26 | STEWART LAURA LEE Chief Executive Officer |
SELL | 900 | $38.34K | Indirect |
| Jun 10, 26 | RIOJAS ROGELIO Director |
STOCK | 28.92K | $0 | Direct |
| Mar 31, 26 | STEWART LAURA LEE Chief Executive Officer |
SELL | 900 | $39.72K | Indirect |
| Dec 10, 25 | JONES DEBRA L Director |
STOCK | 500 | $0 | Direct |
| Dec 4, 25 | OCHS WES President |
CONVERSION | 900 | $25.51K | Direct |
| Nov 13, 25 | SEXTON HEIDI Chief Operating Officer |
CONVERSION | 2.50K | $70.85K | Direct |
| Nov 13, 25 | SEXTON HEIDI Chief Operating Officer |
CONVERSION | 2.50K | $70.85K | Direct |
| Aug 6, 25 | HADDAD DAVID S JR Director |
STOCK | 22 | $0 | Direct |
| Jun 9, 25 | JONES DEBRA L Director |
STOCK | 3.79K | $0 | Direct |
| Jan 6, 25 | CARNEY ROBERT F Director |
CONVERSION | 300 | $5.51K | Direct |
| Jan 3, 25 | HADDAD DAVID S JR Director |
CONVERSION | 862 | $15.83K | Direct |
| Dec 17, 24 | CARNEY ROBERT F Director |
CONVERSION | 562 | $10.32K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CARNEY ROBERT F |
Director | 11.53K | Conversion of Exercise of derivative security |
HADDAD DAVID S JR |
Director | 17.92K | Stock Gift |
JONES DEBRA L |
Director | 16.07K | Stock Gift |
OCHS WES |
President | 15.63K | Conversion of Exercise of derivative security |
RIOJAS ROGELIO |
Director | 7.43K | Stock Gift |
SEXTON HEIDI |
Chief Operating Officer | 27.34K | Conversion of Exercise of derivative security |
STEWART LAURA LEE |
Chief Executive Officer | — | Sale |
SWEENEY JAMES E |
Director | — | Sale |
Fundamentals
Market cap$110.55M
Enterprise value$1.00M
Revenue (TTM)$40.26M
Gross profit$40.26M
EBITDA—
Net income$8.01M
EPS (TTM)$3.12
Free cash flow—
Total cash$120.07M
Total debt$10.93M
Book value / share$44.00
Shares outstanding2.57M
Float1.74M
Short % of float0.29%
Dividend yield1.95%
Beta (5Y)0.02
Valuation & profitability ratios
Trailing P/E13.80
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.98
EV / revenue0.03
EV / EBITDA—
Gross margin0.00%
Operating margin29.00%
Profit margin19.94%
Return on equity7.35%
Return on assets0.76%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $38.85M | $35.69M | $38.84M | $39.88M | +8.9% |
| Operating revenue | $38.85M | $35.69M | $38.84M | $39.88M | +8.9% |
| Selling, general & admin | $16.71M | $17.59M | $17.14M | $16.41M | -5.0% |
| Pre-tax income | $8.67M | $5.65M | $9.00M | $10.88M | +53.6% |
| Tax provision | $1.51M | $1.01M | $1.56M | $2.07M | +50.5% |
| Net income | $7.16M | $4.64M | $7.44M | $8.80M | +54.3% |
| Net income to common | $7.13M | $4.61M | $7.39M | $8.74M | +54.7% |
| Basic EPS | 2.79 | 1.94 | 3.13 | 3.41 | +43.5% |
| Diluted EPS | 2.77 | 1.94 | 3.13 | 3.41 | +42.5% |
| Basic shares | 2.56M | 2.39M | 2.38M | 2.58M | +7.1% |
| Diluted shares | 2.58M | 2.39M | 2.38M | 2.58M | +8.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $138.45M | $43.64M | $49.69M | $57.84M | +217.3% |
| Accounts receivable | $3.77M | $3.47M | $3.45M | $3.08M | +8.6% |
| Property, plant & equipment | $7.66M | $8.42M | $9.74M | $10.62M | -9.0% |
| Goodwill & intangibles | $4.18M | $4.77M | $4.63M | $4.69M | -12.3% |
| Total assets | $1.09B | $993.63M | $995.22M | $976.35M | +9.9% |
| Current debt | $0 | $0 | $15.00M | $43.00M | — |
| Long-term debt | $17.80M | $36.76M | $36.72M | $11.68M | -51.6% |
| Total debt | $21.47M | $40.77M | $56.54M | $60.12M | -47.3% |
| Total liabilities | $982.77M | $889.97M | $894.57M | $878.65M | +10.4% |
| Retained earnings | $81.48M | $76.27M | $73.63M | $70.79M | +6.8% |
| Shareholder equity | $109.40M | $103.67M | $100.65M | $97.70M | +5.5% |
| Net tangible assets | $105.22M | $98.90M | $96.02M | $93.02M | +6.4% |
| Shares issued | 2.57M | 2.56M | 2.55M | 2.58M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $7.16M | $4.64M | $7.44M | $8.80M | +54.3% |
| Depreciation & amortisation | $1.51M | $1.58M | $1.65M | $1.60M | -4.6% |
| Stock-based compensation | $303.00K | $390.00K | $450.00K | $475.00K | -22.3% |
| Change in working capital | $230.00K | -$1.94M | -$346.00K | -$2.31M | +111.9% |
| Operating cash flow | $7.16M | $2.93M | $6.89M | $10.05M | +144.2% |
| Capital expenditure | -$170.00K | -$76.00K | -$444.00K | -$398.00K | -123.7% |
| Investing cash flow | -$2.50M | -$3.94M | -$26.32M | -$183.79M | +36.7% |
| Share buybacks | -$130.00K | -$283.00K | -$2.40M | -$1.87M | +54.1% |
| Dividends paid | -$1.95M | -$1.95M | -$1.91M | -$2.03M | +0.1% |
| Financing cash flow | $90.15M | -$5.04M | $11.29M | $47.98M | +1,890.1% |
| Free cash flow | $6.99M | $2.86M | $6.44M | $9.66M | +144.8% |
| End cash position | $138.45M | $43.64M | $49.69M | $57.84M | +217.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $11.00M | $9.95M | $9.51M | $9.81M | $10.37M | +10.5% |
| Operating revenue | $11.00M | $9.95M | $9.51M | $9.81M | $10.37M | +10.5% |
| Selling, general & admin | $4.64M | $4.46M | $3.53M | $4.26M | $4.32M | +4.2% |
| Pre-tax income | $3.12M | $1.96M | $2.58M | $2.09M | $2.54M | +58.9% |
| Tax provision | $597.00K | $384.00K | $339.00K | $395.00K | $488.00K | +55.5% |
| Net income | $2.52M | $1.58M | $2.24M | $1.70M | $2.05M | +59.8% |
| Net income to common | $2.51M | $1.57M | $2.24M | $1.69M | $2.04M | +59.8% |
| Basic EPS | 0.98 | 0.61 | 0.87 | 0.66 | 0.80 | +60.7% |
| Diluted EPS | 0.98 | 0.61 | 0.87 | 0.66 | 0.79 | +60.7% |
| Basic shares | 2.56M | 2.56M | 2.56M | 2.56M | 2.56M | +0.1% |
| Diluted shares | 2.57M | 2.57M | 2.57M | 2.58M | 2.58M | +0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $120.07M | $137.98M | $138.45M | $101.16M | $102.54M | -13.0% |
| Accounts receivable | $3.75M | $3.89M | $3.77M | $3.90M | $3.66M | -3.6% |
| Property, plant & equipment | $7.02M | $7.30M | $7.66M | $8.10M | $8.43M | -3.9% |
| Goodwill & intangibles | $4.28M | $4.10M | $4.18M | $4.30M | $4.64M | +4.4% |
| Total assets | $1.07B | $1.11B | $1.09B | $1.06B | $1.06B | -4.2% |
| Current debt | $0 | $0 | $0 | $15.00M | $15.00M | — |
| Long-term debt | $7.82M | $17.81M | $17.80M | $21.79M | $21.78M | -56.1% |
| Total debt | $10.93M | $21.18M | $21.47M | $40.73M | $40.99M | -48.4% |
| Total liabilities | $953.16M | $1.00B | $982.77M | $952.71M | $952.24M | -4.8% |
| Retained earnings | $84.50M | $82.52M | $81.48M | $79.72M | $78.52M | +2.4% |
| Shareholder equity | $112.57M | $110.41M | $109.40M | $107.45M | $106.00M | +2.0% |
| Net tangible assets | $108.29M | $106.32M | $105.22M | $103.14M | $101.37M | +1.9% |
| Shares issued | 2.38M | 2.57M | 2.57M | 2.57M | 2.57M | -7.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $2.52M | $1.58M | $2.24M | $1.70M | $2.05M | — | +59.6% |
| Depreciation & amortisation | $410.00K | $295.00K | $371.00K | $369.00K | $377.00K | — | +39.0% |
| Stock-based compensation | $49.00K | $57.00K | $72.00K | $75.00K | $75.00K | — | -14.0% |
| Change in working capital | $1.11M | -$1.94M | -$730.00K | -$137.00K | -$527.00K | — | +157.5% |
| Operating cash flow | $224.00K | $1.50M | $2.00M | $3.80M | -$494.00K | — | -85.1% |
| Capital expenditure | -$58.00K | -$32.00K | -$70.00K | -$38.00K | -$24.00K | — | -81.3% |
| Investing cash flow | $30.02M | -$21.06M | $4.84M | -$4.17M | -$17.08M | — | +242.5% |
| Share buybacks | — | — | -$130.00K | $0 | $0 | $0 | — |
| Dividends paid | -$537.00K | -$541.00K | -$485.00K | -$488.00K | -$487.00K | — | +0.7% |
| Financing cash flow | -$48.16M | $19.09M | $30.45M | -$1.01M | -$11.38M | — | -352.3% |
| Free cash flow | $166.00K | $1.47M | $1.94M | $3.76M | -$518.00K | — | -88.7% |
| End cash position | $120.07M | $137.98M | $138.45M | $101.16M | $102.54M | — | -13.0% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders15.89%
Held by institutions45.69%
Institutions holding56
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
45.05
-4.44% from price
SMA 20
46.69
-7.80% from price
SMA 50
46.79
-7.98% from price
SMA 100
45.13
-4.61% from price
SMA 200
44.20
-2.60% from price
EMA 12
45.31
-4.98% from price
EMA 26
46.17
-6.76% from price
EMA 50
46.23
-6.88% from price
RSI (14)
37.4
Neutral
MACD (12,26,9)
-0.87
Hist -0.46
ATR (14)
1.82
4.23% of price
Realised vol 30D
43.0%
Annualised
Bollinger upper
50.70
20, 2σ
Bollinger lower
42.69
20, 2σ
50 / 200 cross
Golden
46.79 vs 44.20
Trend bias
Below 200
-2.60%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.01
Less volatile than market
Correlation to SPY
0.00
Largely independent
Realised vol 30D
43.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-12.6%
Peak to trough
Max drawdown 5Y
-27.0%
Peak to trough
ATR 14
1.82
4.23% of price
Beta (reported)
0.02
5Y monthly, from filing
Short interest
Shares short
5.41K
Prior 5.23K
Change vs prior
+3.5%
Shorts adding
% of float
0.29%
Normal
% of shares out
0.21%
Against total outstanding
Days to cover
1.0
Liquid
Float
1.74M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.84 / yr
Forward yield1.95%
5-year avg yield1.71%
Payout ratio25.64%
Ex-dividend dateAug 7, 2026
Next pay dateAug 21, 2026
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-07-29
Corporate Changes & Voting Matters
8-K · 2026-05-28
Periodic Financial Reports
10-Q · 2026-05-12
Corporate Changes & Voting Matters
8-K · 2026-04-28
Annual Report to Shareholders
ARS · 2026-04-15
Periodic Financial Reports
10-K · 2026-03-18
Corporate Changes & Voting Matters
8-K · 2026-02-13
Headlines
PRIVATE STRATEGY · BY QUALIFICATION
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