What is the 13F Pro Quality Score for SFBC?

13F Pro ranks Sound Financial Bancorp, Inc. (SFBC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View SFBC's current score at https://13fpro.ai/research/SFBC (free sign-up required for the full ranking).

Where does 13F Pro source SFBC data?

All Sound Financial Bancorp, Inc. fundamentals and ownership data come directly from SEC EDGAR. Sound Financial Bancorp, Inc. files with the SEC under CIK 1541119. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is SFBC in?

Sound Financial Bancorp, Inc. (SFBC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is SFBC research updated on 13F Pro?

SFBC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Sound Financial Bancorp, Inc.(SFBC)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Limited institutional coverage

Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 47 institutional filers currently hold this stock.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

SFBC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Sound Financial Bancorp, Inc. (SFBC), a Financials sector company. SFBC is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 47 institutional filers currently hold this stock. Based on the latest XBRL financial filings (Q1 2026), Sound Financial Bancorp, Inc. reports quarterly revenue of $10.0M, net income of $1.6M, an operating margin of 19.7%. Top institutional holders of SFBC by reported 13-F value include Stilwell Value, ALLIANCEBERNSTEIN L.P., GRAHAM CAPITAL WEALTH MANAGEMENT,, based on the most recent SEC filings. SFBC trades on the Nasdaq exchange and files with the SEC under CIK 1541119. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SFBC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Sound Financial Bancorp, Inc. directly from SEC EDGAR.

Revenue

Q1 2026

$10.0M

Net Income

Q1 2026

$1.6M

Free Cash Flow

Q1 2026

$1.5M

Operating Margin

Q1 2026

19.7%

ROIC

Q1 2026

1.8%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

-37.6% YoY

$4.6MFY 2024

FY18 $7.0MFY22 $8.8MFY23 $7.4MFY24 $4.6M

EPS (Diluted)

-37.1% YoY

$1.80FY 2024

FY18 $2.74FY22 $3.35FY23 $2.86FY24 $1.80

Total Assets

-0.2% YoY

$993.6MFY 2024

FY18 $716.7MFY22 $976.4MFY23 $995.2MFY24 $993.6M

Op. Cash Flow

-57.4% YoY

$2.9MFY 2024

FY18 $10.3MFY22 $10.1MFY23 $6.9MFY24 $2.9M

Metric	FY 2024	FY 2023	FY 2022	FY 2018	FY 2017	FY 2016
Net Income	$4.6M -37.6%	$7.4M -15.5%	$8.8M +25.1%	$7.0M +37.3%	$5.1M -4.7%	$5.4M
EPS (Diluted)	$1.80 -37.1%	$2.86 -14.6%	$3.35 +22.3%	$2.74 +37.0%	$2.00 -4.3%	$2.09
Total Assets	$993.6M -0.2%	$995.2M +1.9%	$976.4M +36.2%	$716.7M +11.1%	$645.2M +9.7%	$588.4M
Operating Cash Flow	$2.9M -57.4%	$6.9M -31.5%	$10.1M -2.6%	$10.3M +51.3%	$6.8M -4.5%	$7.1M

AI Insight: SFBC Financial Trends

SFBC's equity base has grown steadily from $101M to $110M over eight quarters, while net income has quietly doubled from $1M to $2M.

• Net income doubled from $1M in Q2 2024 to $2M by Q4 2024, sustaining that higher level through Q1 2026.

• Equity expanded every single quarter, rising from $101M in Q2 2024 to $110M in Q1 2026 — a $9M cumulative build.

• Operating cash flow is volatile, swinging from -$4M in Q2 2024 to +$4M in Q3 2025, with no clear upward trend.

⚠ Revenue and operating income data are entirely absent — limits ability to assess margin or top-line trajectory.

⚠ Operating CF turned negative in Q2 2024 and near-zero in Q2 2025; cash generation consistency remains unproven.

AI Insight: SFBC Ratio Trends

SFBC's return metrics have roughly doubled from Q2 2024 lows, but Q1 2026 shows a sequential quarterly pullback across ROE, ROA, and ROIC.

• ROE expanded from 3.1% in Q2 2024 to a peak of 8.2% in Q4 2025, nearly tripling over six quarters.

• ROIC followed the same arc, rising from 3.9% in Q2 2024 to 9.6% in Q2 2025, then 9.4% in Q4 2025.

• Q1 2026 shows ROE at 5.7%, ROA at 0.6%, and ROIC at 7.1% — each down sequentially from Q4 2025.

• TTM ROE of 6.9% and ROIC of 8.3% confirm solid full-cycle improvement versus 2024 baseline levels.

⚠ Q1 softness is recurring: Q1 2025 also dipped to 4.5% ROE before recovering — monitor whether Q2 2026 rebounds similarly.

⚠ OpMargin, NPM, and D/E data are entirely absent, limiting full assessment of profitability drivers and leverage risk.

⚠ If Q1 2026's 5.7% ROE does not recover in Q2 2026, it could signal deterioration beyond typical seasonal weakness.

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Available Research

13F Pro tracks comprehensive data for Sound Financial Bancorp, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of SFBC

Stilwell Value LLC
$17.9M410,019 sh
ALLIANCEBERNSTEIN L.P.
$7.8M179,871 sh
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC
$4.7M108,616 sh
VANGUARD CAPITAL MANAGEMENT LLC
$4.5M103,156 sh
BlackRock, Inc.
$4.4M101,298 sh
KENNEDY CAPITAL MANAGEMENT LLC
$2.3M52,365 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.9M43,265 sh
Pacific Sage Partners, LLC
$1.6M36,191 sh
Oppenheimer & Close, LLC
$1.4M32,645 sh
STATE STREET CORP
$955.3K21,855 sh

Fund	Value	Shares
Stilwell Value LLC	$17.9M	410,019
ALLIANCEBERNSTEIN L.P.	$7.8M	179,871
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC	$4.7M	108,616
VANGUARD CAPITAL MANAGEMENT LLC	$4.5M	103,156
BlackRock, Inc.	$4.4M	101,298
KENNEDY CAPITAL MANAGEMENT LLC	$2.3M	52,365
GEODE CAPITAL MANAGEMENT, LLC	$1.9M	43,265
Pacific Sage Partners, LLC	$1.6M	36,191
Oppenheimer & Close, LLC	$1.4M	32,645
STATE STREET CORP	$955.3K	21,855

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Is SFBC a good stock to buy?

13F Pro's AI-powered analysis of Sound Financial Bancorp, Inc. (SFBC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SFBC are available on the SFBC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own SFBC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SFBC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Sound Financial Bancorp, Inc.'s investment landscape.