Sound Financial Bancorp Inc
SFBCFinancial·Banks - Regional·USA·Micro·NASD·Nov 11 • 11:51 AM ET
Price
SFBC against its 20, 50 and 200-day averages8.5% under the 52-week high of 49.21 on 5 Aug 2026. 52-week low 40.68 on 18 Mar 2026. Last 15 sessions, 5.9% high to low
Profile
SFBCSound Financial Bancorp, Inc. is a bank holding company, which engages in the provision of traditional banking and other financial services. It involves attracting retail and commercial deposits from the general public and local governments and investing those funds, along with borrowed funds, in loans secured by first and second mortgages on one- to four-family residences, commercial and multifamily real estate, construction and land, consumer, and commercial business loans. The company was founded in 2008 and is headquartered in Seattle, WA.
| Employees | 122 |
|---|---|
| IPO | Jan 09, 2008 |
| Beta | 0.04 |
| ATR, 14d | 0.82 |
| Rel volume | 0.01 |
| Short float | 0.16% |
| Insider own | 15.82% |
| Inst own | 45.64% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 115.74M |
| Enterprise Value | - |
| Income | 8.64M |
| Sales | 62.57M |
| Book/sh | 44.36 |
| Cash/sh | - |
| Dividend Est. | - |
| Dividend TTM | 0.84 (1.87%) |
| Dividend Ex-Date | Nov 06, 2026 |
| Dividend Gr. 3/5Y | 3.78% 4.84% |
| Payout | 27.46% |
| Employees | 122 |
| IPO | Jan 09, 2008 |
Ratios
| P/E | 13.40 |
|---|---|
| Forward P/E | - |
| PEG | - |
| P/S | 1.85 |
| P/B | 1.02 |
| P/C | - |
| P/FCF | 24.94 |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.21 |
| Debt/Eq | 0.08 |
| LT Debt/Eq | 0.08 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 3.36 |
|---|---|
| EPS next Y | - |
| EPS next Q | - |
| EPS this Y | - |
| EPS next Y | - |
| EPS next 5Y | - |
| EPS past 3/5Y | -6.34% -4.30% |
| Sales past 3/5Y | 11.56% 7.77% |
| EPS Y/Y TTM | 26.64% |
| Sales Y/Y TTM | 0.49% |
| EPS Q/Q | 38.05% |
| Sales Q/Q | 0.55% |
| Earnings | - |
| EPS/Sales Surpr. | - - |
Ownership
| Insider Own | 15.82% |
|---|---|
| Insider Trans | -0.44% |
| Inst Own | 45.64% |
| Inst Trans | -5.82% |
| ROA | 0.82% |
| ROE | 7.82% |
| ROIC | 7.06% |
| Gross Margin | - |
| Oper. Margin | 16.89% |
| Profit Margin | 13.82% |
| SMA20 | 0.53% |
| SMA50 | -1.17% |
| SMA200 | 1.71% |
| Trades | - |
Technical
| Shs Outstand | 2.57M |
|---|---|
| Shs Float | 2.16M |
| Short Float | 0.16% |
| Short Ratio | 0.95 |
| Short Interest | 0.00M |
| 52W High | 49.21 -8.47% |
| 52W Low | 40.68 10.72% |
| Volatility | 0.51% 1.64% |
| ATR (14) | 0.82 |
| RSI (14) | 50.79 |
| Beta | 0.04 |
| Rel Volume | 0.01 |
| Avg Volume | 3.73K |
| Volume | 14 |
Performance
| Perf Week | -1.59% |
|---|---|
| Perf Month | 5.21% |
| Perf Quarter | -3.31% |
| Perf Half Y | 8.43% |
| Perf YTD | 3.23% |
| Perf Year | -0.53% |
| Perf 3Y | 22.66% |
| Perf 5Y | 7.55% |
| Perf 10Y | 82.57% |
| Recom | - |
| Target Price | - |
| Prev Close | 45.04 |
| Price | 45.04 |
| Change % | 0.00% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| FNWB | First Northwest Bancorp | 93.23M |
| RVSB | Riverview Bancorp Inc | 125.14M |
| TSBK | Timberland Bancorp Inc | 372.46M |
| FSBW | FS Bancorp Inc | 340.03M |
| PROV | Provident Financial Holdings Inc | 111.05M |
| CCB | Coastal Financial Corp | 662.57M |
| EBMT | Eagle Bancorp Montana Inc | 164.69M |
| HFWA | Heritage Financial Corp | 1.14B |
| SSBI | Summit State Bank | 80.99M |
| PLBC | Plumas Bancorp | 434.36M |
Insider trading
5 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Stewart Laura Lee | Chief Executive Officer | Sep 30 '26 | Sale | 45.99 | 900 | 41,391 | 8,100 | Sep 30 05:23 PM |
| Stewart Laura Lee | President and CEO | Jun 30 '26 | Sale | 42.60 | 900 | 38,340 | 9,000 | Jun 30 01:39 PM |
| Stewart Laura Lee | President and CEO | Mar 31 '26 | Sale | 44.13 | 900 | 39,717 | 9,900 | Mar 31 05:48 PM |
| Ochs Wes | President and CFO | Dec 04 '25 | Option Exercise | 28.34 | 900 | 25,506 | 7,245 | Dec 05 04:22 PM |
| Sexton Heidi | Executive Vice President/COO | Nov 13 '25 | Option Exercise | 28.34 | 2,500 | 70,850 | 17,657 | Nov 14 03:27 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| DFAC | U.S. Core Equity 2 Portfolio-ETF Class Shares | - |
| IWC | iShares Micro-Cap ETF | AUM: 1.22B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
| DCOR | US Core Equity 1 Portfolio ETF Class Shares | - |
| DXUV | US Vector Equity Portfolio ETF Class Shares | - |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | - |
| DFMC | U.S. Micro Cap Portfolio ETF Class Shares | - |
| DFUS | Dimensional U.S. Equity Market ETF | - |
News
latest 14 of 206- Sound Financial Bancorp, Inc. Q3 2026 Results (GlobeNewswire)
- Sound Community Bank Named One of American Banker's 2026 Most Powerful Women Led Teams in Banking (GlobeNewswire) -6.84%
- Sound Financial Bancorp, Inc. Q2 2026 Results (GlobeNewswire)
- Sound Financial Bancorp, Inc. Q1 2026 Results (GlobeNewswire)
- Sound Community Bank CEO Laurie Stewart Participates in U.S. Treasury Department Roundtable on Financial Literacy (GlobeNewswire)
- Loading…
- Sound Financial Bancorp, Inc. Announces Annual Shareholders Meeting Date (GlobeNewswire)
- Sound Financial Bancorp, Inc. Q4 2025 Results (GlobeNewswire)
- Sound Financial Bancorp, Inc. Q3 2025 Results (GlobeNewswire)
- Laurie Stewart Named One of American Banker's "Most Powerful Women To Watch" (GlobeNewswire)
- Sound Community Bancorp, Inc. Announces Executive Leadership Transition (GlobeNewswire)
- Sound Financial Bancorp, Inc. Q2 2025 Results (GlobeNewswire)
- Sound Financial Bancorp, Inc. Q1 2025 Results (GlobeNewswire)
- Sound Financial Bancorp, Inc. Announces Annual Shareholders Meeting Date (GlobeNewswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q1 | 2026-04-28 | - | - | 0.611 | 9.96 | - | - |
| 2025Q4 | 2026-01-27 | - | - | 0.869 | 9.53 | - | - |
| 2025Q3 | 2025-10-28 | - | - | 0.656 | 9.82 | - | - |
| 2025Q2 | 2025-07-29 | - | - | 0.793 | 10.38 | - | - |
| 2025Q1 | 2025-04-29 | - | - | 0.451 | 9.17 | - | - |
| 2024Q4 | 2025-01-29 | - | - | 0.740 | 9.38 | - | - |
| 2024Q3 | 2024-10-30 | - | - | 0.446 | 9.11 | - | - |
| 2024Q2 | 2024-07-29 | - | - | 0.309 | 8.61 | - | - |
| 2024Q1 | 2024-04-29 | - | - | 0.299 | 8.56 | - | - |
| 2023Q4 | 2024-01-26 | - | - | 0.470 | 8.63 | - | - |
| 2023Q3 | 2023-10-24 | - | - | 0.452 | 9.25 | - | - |
| 2023Q2 | 2023-07-25 | - | - | 1.109 | 10.64 | - | - |
| 2023Q1 | 2023-04-24 | - | - | 0.827 | 10.34 | - | - |
| 2022Q4 | 2023-01-27 | - | - | 1.124 | 10.71 | - | - |
| 2022Q3 | 2022-10-25 | - | - | 0.980 | 10.62 | - | - |
| 2022Q2 | 2022-07-26 | - | - | 0.617 | 9.41 | - | - |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| No annual earnings. | |||||
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| No estimate revisions. | ||||||||
Estimate history
| EPS, annual | 1.996 | 2.742 | 2.585 | 3.447 | 3.486 | 3.369 | 2.863 | 1.796 | 2.768 | 3.3613 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.446 | 0.74 | 0.451 | 0.793 | 0.656 | 0.869 | 0.611 | 0.976 | 0.905 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 31.198 | 37.367 | 38.584 | 42.388 | 41.219 | 44.377 | 55.602 | 62.06 | 61.621 | 62.57 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 16.073 | 15.917 | 14.801 | 16.026 | 15.525 | 15.271 | 15.425 | 16.266 | 15.61 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 2.466 | 2.544 | 2.545 | 2.581 | 2.614 | 2.584 | 2.549 | 2.565 | 2.568 | 2.57 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 2.564 | 2.565 | 2.566 | 2.566 | 2.566 | 2.568 | 2.568 | 2.568 | 2.57 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 58.07 | 57.56 | 57.37 | 50.61 | 39.80 | 33.87 | 34.94 | 34.58 | 33.17 |
| Total Interest Expense | 21.28 | 22.63 | 26.37 | 16.76 | 4.50 | 3.95 | 7.45 | 7.62 | 5.36 |
| Net Interest Income | 36.79 | 34.93 | 31.00 | 33.85 | 35.30 | 29.92 | 27.49 | 26.96 | 27.81 |
| Loan Loss Provision | -0.28 | 0.13 | -0.12 | -0.27 | 1.23 | 0.42 | 0.93 | -0.12 | 0.53 |
| Net Interest Income After Loan Loss Provision | 37.07 | 34.80 | 31.12 | 34.12 | 34.07 | 29.50 | 26.56 | 27.09 | 27.28 |
| Non-Interest Income | 4.50 | 4.06 | 4.69 | 4.99 | 4.58 | 7.34 | 7.45 | 4.00 | 4.20 |
| Non-Interest Expense | 31.00 | 30.19 | 30.16 | 30.12 | 27.78 | 25.41 | 22.68 | 22.76 | 22.74 |
| Operating Income | 10.57 | 8.67 | 5.65 | 9.00 | 10.88 | 11.43 | 11.33 | 8.33 | 8.74 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 10.57 | 8.67 | 5.65 | 9.00 | 10.88 | 11.43 | 11.33 | 8.33 | 8.74 |
| Income Taxes | 1.90 | 1.51 | 1.01 | 1.56 | 2.07 | 2.27 | 2.39 | 1.65 | 1.71 |
| Consolidated Net Income | 8.66 | 7.16 | 4.64 | 7.44 | 8.80 | 9.16 | 8.94 | 6.68 | 7.04 |
| Net Income From Continuing Operations | 8.66 | 7.16 | 4.64 | 7.44 | 8.80 | 9.16 | 8.94 | 6.68 | 7.04 |
| Net Income | 8.64 | 7.13 | 4.61 | 7.39 | 8.80 | 9.16 | 8.94 | 6.68 | 7.04 |
| EPS (Recurring) | 3.35 | 2.77 | 1.80 | 2.86 | 3.37 | 3.49 | 3.45 | 2.59 | 2.74 |
| EPS (Basic, Before Extraordinaries) | 3.37 | 2.79 | 1.81 | 2.88 | 3.41 | 3.54 | 3.49 | 2.64 | 2.82 |
| EPS (Diluted) | 3.36 | 2.77 | 1.80 | 2.86 | 3.37 | 3.49 | 3.45 | 2.59 | 2.74 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.24 | 0.90 | 0.90 | 1.02 | 0.83 | 0.69 | 0.65 | 0.73 |
| Price To Earnings Ratio | 13.40 | 13.40 | 34.54 | 11.10 | 13.28 | 12.58 | 9.15 | 13.74 | 11.72 |
| Price To Sales Ratio | 1.84 | 1.82 | 2.18 | 1.81 | 2.31 | 2.80 | 1.94 | 2.41 | 2.24 |
| Operating Margin | 16.89 | 14.07 | 9.10 | 16.19 | 24.51 | 27.73 | 26.72 | 21.59 | 23.40 |
| Net Margin | 13.82 | 11.57 | 7.43 | 13.29 | 19.84 | 22.21 | 21.08 | 17.31 | 18.84 |
| Shares Outstanding | 2.57 | 2.57 | 2.56 | 2.55 | 2.58 | 2.61 | 2.58 | 2.54 | 2.54 |
| Market Capitalization | 115.74 | 115.74 | 135.00 | 100.18 | 101.46 | 114.89 | 81.95 | 91.44 | 79.87 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 14.48 | 14.85 | 14.46 | 14.28 | 14.65 | 14.91 | 13.71 | 14.74 |
| Total Interest Expense | 4.99 | 5.25 | 5.42 | 5.62 | 5.71 | 5.66 | 5.63 | 6.52 |
| Net Interest Income | 9.49 | 9.59 | 9.05 | 8.66 | 8.94 | 9.26 | 8.07 | 8.22 |
| Loan Loss Provision | -0.28 | -0.22 | 0.12 | 0.10 | 0.06 | 0.17 | -0.20 | 0.01 |
| Net Interest Income After Loan Loss Provision | 9.77 | 9.81 | 8.92 | 8.56 | 8.88 | 9.09 | 8.27 | 8.21 |
| Non-Interest Income | 1.13 | 1.42 | 0.96 | 0.99 | 0.87 | 1.11 | 1.09 | 1.18 |
| Non-Interest Expense | 8.00 | 8.12 | 7.92 | 6.96 | 7.67 | 7.66 | 8.84 | 7.08 |
| Operating Income | 2.91 | 3.12 | 1.96 | 2.58 | 2.09 | 2.54 | 0.53 | 2.31 |
| Unusual Expense | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 2.91 | 3.12 | 1.96 | 2.58 | 2.09 | 2.54 | 1.46 | 2.31 |
| Income Taxes | 0.58 | 0.60 | 0.38 | 0.34 | 0.40 | 0.49 | 0.29 | 0.39 |
| Consolidated Net Income | 2.32 | 2.52 | 1.58 | 2.25 | 1.70 | 2.05 | 1.17 | 1.92 |
| Net Income From Continuing Operations | 2.32 | 2.52 | 1.58 | 2.25 | 1.70 | 2.05 | 1.17 | 1.92 |
| Net Income | 2.32 | 2.51 | 1.57 | 2.24 | 1.69 | 2.04 | 1.16 | 1.91 |
| EPS (Recurring) | 0.90 | 0.98 | 0.61 | 0.87 | 0.66 | 0.79 | 0.45 | 0.74 |
| EPS (Basic, Before Extraordinaries) | 0.91 | 0.98 | 0.61 | 0.87 | 0.66 | 0.80 | 0.45 | 0.75 |
| EPS (Diluted) | 0.91 | 0.98 | 0.61 | 0.87 | 0.66 | 0.79 | 0.45 | 0.74 |
| Non-Operating Income (Expense) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.05 | 0.05 | 0.06 | 0.07 | 0.06 | 0.06 | 0.22 |
| Price To Earnings Ratio | 13.40 | 14.72 | 15.79 | 16.53 | 18.96 | 23.65 | 27.96 | 34.54 |
| Price To Sales Ratio | 1.84 | 1.78 | 1.81 | 1.82 | 1.91 | 1.89 | 2.09 | 2.19 |
| Operating Margin | 18.62 | 19.15 | 12.71 | 16.93 | 13.46 | 15.85 | 3.58 | 14.50 |
| Net Margin | 14.88 | 15.46 | 10.20 | 14.64 | 10.88 | 12.75 | 7.85 | 11.97 |
| Shares Outstanding | 2.57 | 2.57 | 2.57 | 2.57 | 2.57 | 2.57 | 2.57 | 2.56 |
| Market Capitalization | 115.74 | 110.62 | 112.16 | 111.96 | 118.19 | 118.04 | 128.69 | 135.00 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 138.45 | 43.64 | 49.69 | 57.84 | 183.59 | 193.83 | 55.77 | 61.81 | 60.68 |
| Investments | 11.19 | 12.14 | 13.45 | 15.24 | 12.56 | 22.70 | 11.53 | 10.26 | 10.28 |
| Net Loans | 896.93 | 891.67 | 885.72 | 858.38 | 680.09 | 607.36 | 614.25 | 613.77 | 543.35 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.34 | 0.00 | 0.57 | 0.66 | 0.66 | 0.59 | 0.57 | 0.57 | 0.61 |
| Net Property, Plant & Equipment | 7.66 | 8.42 | 9.74 | 10.62 | 11.63 | 12.99 | 14.41 | 7.04 | 7.39 |
| Interest Receivables | 3.77 | 3.47 | 3.45 | 3.08 | 2.22 | 2.25 | 2.21 | 2.29 | 1.98 |
| Other Intangible Assets | 33.82 | 34.29 | 32.60 | 30.54 | 28.94 | 21.67 | 21.12 | 20.99 | 20.95 |
| Total Assets | 1,092.17 | 993.63 | 995.22 | 976.35 | 919.69 | 861.40 | 719.85 | 716.74 | 645.24 |
| Total Deposits | 948.88 | 837.80 | 826.54 | 808.76 | 798.32 | 747.98 | 616.72 | 553.60 | 514.40 |
| Total Debt | 21.47 | 40.77 | 56.54 | 60.12 | 17.88 | 18.70 | 15.51 | 84.00 | 59.00 |
| Long Term Debt | 20.31 | 39.75 | 40.43 | 16.07 | 16.86 | 17.66 | 6.91 | 84.00 | 59.00 |
| Provision for Risks Charges | 0.15 | 0.23 | 0.19 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 12.28 | 11.16 | 11.30 | 9.76 | 10.14 | 9.21 | 9.90 | 7.51 | 6.68 |
| Total Liabilities | 982.77 | 889.97 | 894.57 | 878.65 | 826.33 | 775.89 | 642.13 | 645.11 | 580.08 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 109.40 | 103.67 | 100.65 | 97.70 | 93.36 | 85.48 | 77.73 | 71.63 | 65.16 |
| Total Shareholders Equity | 109.40 | 103.67 | 100.65 | 97.70 | 93.36 | 85.48 | 77.73 | 71.63 | 65.16 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 109.40 | 103.67 | 100.65 | 97.70 | 93.36 | 85.48 | 77.73 | 71.63 | 65.16 |
| Total Liabilities & Stockholders Equity | 1,092.17 | 993.63 | 995.22 | 976.35 | 919.69 | 861.37 | 719.85 | 716.74 | 645.24 |
| Book Value Per Share | 42.60 | 40.42 | 39.48 | 37.82 | 35.72 | 33.12 | 30.54 | 28.15 | 26.43 |
| Tangible Book Value Per Share | 42.60 | 40.42 | 39.47 | 37.82 | 35.68 | 33.07 | 30.48 | 28.07 | 26.28 |
| Tier 1 Capital | - | - | - | - | - | - | 74.03 | 69.69 | 62.43 |
| Tier 2 Capital | - | - | - | - | - | - | 5.94 | 6.19 | 5.44 |
| Full-Time Employees | 122 | 108 | 128 | 140 | 136 | 120 | 132 | 119 | 121 |
| Price to Book Ratio | 1.02 | 1.32 | 1.00 | 1.07 | 1.23 | 0.95 | 1.17 | 1.13 | 1.30 |
| Return on Assets | 0.69 | 0.47 | 0.75 | 0.93 | 1.03 | 1.13 | 0.93 | 1.03 | 0.83 |
| Return on Equity | 6.72 | 4.54 | 7.50 | 9.22 | 10.24 | 10.95 | 8.94 | 10.29 | 8.17 |
| Return on Invested Capital | 5.52 | 3.24 | 5.27 | 7.74 | 8.31 | 8.67 | 7.89 | 4.52 | 4.13 |
| Current Ratio | 0.17 | 0.06 | 0.08 | 0.11 | 0.32 | 0.46 | 0.19 | 0.21 | 0.21 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 6.93 | 4.87 | 7.66 | 10.73 | 8.00 | 7.89 | 7.69 | 8.22 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 0.23 | -0.94 | -0.35 | -2.38 | -0.33 | -1.46 | 2.40 | 0.96 |
| Cash from Operating Activities | - | 7.16 | 3.93 | 7.31 | 8.35 | 7.67 | 6.43 | 10.09 | 9.18 |
| Capital Expenditures | - | -0.17 | -0.04 | -0.44 | -0.40 | -6.32 | -0.46 | -1.09 | -0.94 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 0.54 | 1.15 | 2.15 | -7.39 | 1.61 | -0.98 | -3.85 | 0.43 |
| Purchase of Investments | - | 0.00 | 0.00 | 0.00 | -8.39 | -1.95 | -8.89 | -5.17 | 0.00 |
| Sale Or Maturity of Investments | - | 0.54 | 1.15 | 2.15 | 1.00 | 3.56 | 7.91 | 1.32 | 0.43 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.67 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.63 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -2.50 | -3.94 | -26.75 | -183.87 | -66.54 | -2.42 | -4.81 | -70.36 |
| Cash Dividends Paid | - | -1.95 | -1.95 | -1.91 | -2.03 | -2.04 | -2.07 | -1.43 | -1.37 |
| Preferred Dividends (Cash Flow) | - | - | - | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | 0.15 | 0.20 | -1.74 | -1.51 | 0.50 | 0.49 | 0.53 | 0.54 |
| Repurchase of Common Pref Stock | - | 0.00 | -0.07 | -2.14 | -1.73 | -0.15 | -0.07 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.15 | 0.27 | 0.40 | 0.22 | 0.65 | 0.56 | 0.53 | 0.54 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -19.00 | -14.33 | -2.56 | 43.00 | 0.00 | 4.08 | -76.50 | 25.00 |
| Change in Long Term Debt | - | -15.00 | -14.33 | 0.00 | 43.00 | 0.00 | 4.08 | -76.50 | 25.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.67 | 0.00 | 43.00 | 0.00 | 185.87 | 166.80 | 262.00 |
| Reduction of Long Term Debt | - | -15.00 | -15.00 | 0.00 | 0.00 | 0.00 | -181.79 | -243.30 | -237.00 |
| Net Financing Active Other Cash Flow | - | -0.13 | -0.22 | -0.27 | -0.13 | -0.17 | 0.28 | 2.97 | -1.07 |
| Other Financing Activities Uses | - | -0.13 | -0.22 | -0.27 | -0.13 | -0.17 | - | - | -1.07 |
| Cash from Financing Activities | - | 90.15 | -6.03 | 11.29 | 49.77 | 48.63 | 134.05 | -11.32 | 62.30 |
| Net Change in Cash | - | 94.81 | -6.05 | -8.15 | -125.75 | -10.24 | 138.06 | -6.04 | 1.13 |
| Free Cash Flow | - | 6.99 | 3.89 | 6.87 | 7.96 | 7.45 | 6.03 | 9.44 | 8.54 |
| Price to Free Cash Flow | - | 22.29 | 69.53 | 20.32 | 17.32 | 21.36 | 20.82 | 11.62 | 11.65 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 112.75 | 120.07 | 137.98 | 138.45 | 101.16 | 102.54 |
| Investments | 14.80 | 16.71 | 15.80 | 11.19 | 11.54 | 13.39 |
| Net Loans | 869.83 | 883.55 | 912.88 | 896.93 | 901.15 | 895.75 |
| Investment in Unconsolidated Affiliates | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 6.72 | 7.02 | 7.30 | 7.66 | 8.10 | 8.43 |
| Interest Receivables | 3.78 | 3.75 | 3.89 | 3.77 | 3.90 | 3.66 |
| Other Intangible Assets | 34.63 | 34.58 | 34.09 | 33.82 | 33.97 | 34.17 |
| Total Assets | 1,042.59 | 1,065.72 | 1,112.05 | 1,092.17 | 1,060.16 | 1,058.24 |
| Total Deposits | 906.69 | 930.88 | 968.50 | 948.88 | 898.94 | 899.46 |
| Total Debt | 8.67 | 10.93 | 21.18 | 21.47 | 40.73 | 40.99 |
| Long Term Debt | 8.67 | 10.35 | 20.30 | 20.31 | 24.56 | 24.81 |
| Provision for Risks Charges | - | 0.18 | 0.22 | 0.15 | 0.11 | 0.12 |
| Other Liabilities | 13.23 | 11.17 | 11.74 | 12.28 | 12.92 | 11.66 |
| Total Liabilities | 928.59 | 953.16 | 1,001.64 | 982.77 | 952.71 | 952.24 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 114.00 | 112.57 | 110.41 | 109.40 | 107.45 | 106.00 |
| Total Shareholders Equity | 114.00 | 112.57 | 110.41 | 109.40 | 107.45 | 106.00 |
| Accumulated Minority Interest | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 114.00 | 112.57 | 110.41 | 109.40 | 107.45 | 106.00 |
| Total Liabilities & Stockholders Equity | 1,042.59 | 1,065.72 | 1,112.05 | 1,092.17 | 1,060.16 | 1,058.24 |
| Book Value Per Share | 44.36 | 43.83 | 43.00 | 42.60 | 41.87 | 41.31 |
| Tangible Book Value Per Share | - | 43.83 | 43.00 | 42.60 | 41.87 | 41.31 |
| Full-Time Employees | - | - | - | 122 | - | - |
| Price to Book Ratio | 1.02 | 1.00 | 1.03 | 1.04 | 1.11 | 1.13 |
| Return on Assets | 0.82 | 0.76 | 0.69 | 0.69 | 0.63 | 0.59 |
| Return on Equity | 7.82 | 7.35 | 7.05 | 6.72 | 6.52 | 6.07 |
| Return on Invested Capital | 1.89 | 2.05 | 1.21 | 1.73 | 1.28 | 1.57 |
| Current Ratio | 0.21 | 0.16 | 0.16 | 0.17 | 0.16 | 0.14 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | - | -0.89 | 3.44 | 0.78 | 3.20 | 2.73 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | 1.11 | -1.94 | -0.73 | -0.14 | -0.53 |
| Cash from Operating Activities | - | 0.22 | 1.50 | 0.05 | 3.06 | 2.20 |
| Capital Expenditures | - | -0.09 | -0.32 | -0.07 | -0.04 | -0.02 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | - | 0.19 | -4.66 | 0.09 | 0.29 | 0.08 |
| Purchase of Investments | - | 0.00 | -5.00 | 0.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | - | 0.19 | 0.34 | 0.09 | 0.29 | 0.08 |
| Other Uses | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | 30.02 | -21.06 | 6.80 | -3.44 | -19.78 |
| Cash Dividends Paid | - | -0.54 | -0.54 | -0.48 | -0.49 | -0.49 |
| Change in Capital Stock | - | 0.00 | 0.00 | 0.13 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.00 | 0.00 | 0.13 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -10.00 | 0.00 | -15.00 | 0.00 | 0.00 |
| Change in Long Term Debt | - | -10.00 | 0.00 | -15.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | -10.00 | 0.00 | -15.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | 0.00 | 0.00 | -0.12 | -0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | 0.00 | -0.12 | -0.00 | 0.00 |
| Cash from Financing Activities | - | -48.16 | 19.09 | 30.45 | -1.00 | -11.38 |
| Net Change in Cash | - | -17.91 | -0.47 | 37.30 | -1.39 | -28.95 |
| Free Cash Flow | - | 0.17 | 1.47 | -0.02 | 3.03 | 2.17 |
| Price to Free Cash Flow | - | 42.85 | 24.20 | 22.27 | 19.88 | 19.80 |
Revenue breakdown
| Savings Institution, Federally Chartered | 2024: 35.66M 2025: 38.89M |
|---|---|
| United States | 2024: 35.66M 2025: 38.89M |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.16% | 0.0M | 2.2M | 7.51K |
| 2026-10-15 | 0.17% | 0.0M | 2.2M | 8.67K |
| 2026-09-30 | 0.18% | 0.0M | 2.2M | 10.48K |
| 2026-09-15 | 0.25% | 0.0M | 2.2M | 14.51K |
| 2026-08-31 | 0.29% | 0.0M | 2.2M | 13.89K |
| 2026-08-14 | 0.24% | 0.0M | 2.2M | 14.43K |
| 2026-07-31 | 0.42% | 0.0M | 2.2M | 10.84K |
| 2026-07-15 | 0.42% | 0.0M | 2.2M | 10.83K |
| 2026-06-30 | 0.34% | 0.0M | 2.2M | 9.42K |
| 2026-06-15 | 3.20% | 0.1M | 2.2M | 7.51K |
| 2026-05-29 | 2.80% | 0.1M | 2.1M | 7.53K |
| 2026-05-15 | 2.91% | 0.1M | 2.1M | 7.51K |
| 2026-04-30 | 3.70% | 0.1M | 2.1M | 7.85K |
| 2026-04-15 | 3.88% | 0.1M | 2.1M | 7.24K |
| 2026-03-31 | 3.42% | 0.1M | 2.1M | 7.21K |
| 2026-03-13 | 2.18% | 0.0M | 2.1M | 5.64K |
| 2026-02-27 | 2.08% | 0.0M | 2.1M | 6.10K |
| 2026-02-13 | 1.64% | 0.0M | 2.1M | 5.85K |
| 2026-01-30 | 2.06% | 0.0M | 2.1M | 5.60K |
| 2026-01-15 | 1.91% | 0.0M | 2.1M | 5.89K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-10-27 | 8-K | Current report | 2026-10-27 | SEC |
| 2026-09-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-30 | SEC |
| 2026-08-25 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-18 | SEC |
| 2026-08-14 | SCHEDULE 13G/A | SEC | ||
| 2026-08-10 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-29 | 8-K | Current report | 2026-07-28 | SEC |
| 2026-06-30 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-30 | SEC |
| 2026-06-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-10 | SEC |
| 2026-05-28 | 8-K | Current report | 2026-05-26 | SEC |
| 2026-05-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-03-31 | SEC |
| 2026-04-28 | 8-K | Current report | 2026-04-28 | SEC |
| 2026-04-15 | ARS | Annual report to security holders. | 2025-12-31 | SEC |
| 2026-04-15 | DEFA14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | SEC | |
| 2026-04-15 | DEF 14A | Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 | 2025-12-31 | SEC |
| 2026-03-31 | 4 | Statement of changes in beneficial ownership of securities | 2026-03-31 | SEC |
| 2026-03-18 | 10-K | Annual report pursuant to Section 13 or 15(d) | 2025-12-31 | SEC |
| 2026-02-17 | SCHEDULE 13G | SEC | ||
| 2026-02-13 | 8-K | Current report | 2026-02-12 | SEC |
| 2026-01-28 | 8-K | Current report | 2026-01-27 | SEC |
| 2026-01-23 | 4/A | 2024-08-16 | SEC | |
| 2026-01-23 | 3/A | 2020-11-01 | SEC | |
| 2026-01-23 | 4/A | 2025-11-13 | SEC | |
| 2025-12-11 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-10 | SEC |
| 2025-12-05 | 4 | Statement of changes in beneficial ownership of securities | 2025-12-04 | SEC |
| 2025-11-14 | 4 | Statement of changes in beneficial ownership of securities | 2025-11-13 | SEC |
| 2025-11-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-09-30 | SEC |
| 2025-10-28 | 8-K | Current report | 2025-10-28 | SEC |
| 2025-09-19 | 8-K | Current report | 2025-09-18 | SEC |
| 2025-08-13 | SCHEDULE 13G/A | SEC | ||
| 2025-08-12 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2025-06-30 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 41.39K | 1 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 38.34K | 1 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 39.72K | 1 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| Stilwell Value LLC | 15.98% |
| ALLIANCEBERNSTEIN L.P. | 8.41% |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | 4.37% |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.74% |
| KENNEDY CAPITAL MANAGEMENT LLC | 2.02% |
| BlackRock, Inc. | 1.46% |
| Pacific Sage Partners, LLC | 1.41% |
| Oppenheimer & Close, LLC | 1.27% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.92% |
| DIMENSIONAL FUND ADVISORS LP | 0.79% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.81% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.89% |
| Fidelity Small Cap Index Fund | 0.77% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.43% |
| Fidelity Extended Market Index Fund | 0.37% |
| iShares Micro-Cap ETF | 0.30% |
| EA Bridgeway Omni Small-Cap Value ETF | 0.25% |
| U.S. CORE EQUITY 2 PORTFOLIO | 0.22% |
| Schwab Small-Cap Index Fund | 0.18% |
| Fidelity Total Market Index Fund | 0.16% |
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