Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $5.38M | $5.13M | $7.04M | $6.68M | $8.94M | $9.16M | $8.80M | $7.44M | $4.64M | $7.16M |
| EPS (diluted) | $2.09 | $2.00 | $2.74 | $2.57 | $3.42 | $3.46 | $3.35 | $2.86 | $1.80 | $2.77 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $7.15M | $6.82M | $10.3M | $11.1M | -$484K | $19.1M | $10.1M | $6.89M | $2.93M | $7.16M |
| Capital expenditures | $1.01M | $2.47M | $641K | $654K | $407K | $225K | $398K | $444K | $76.0K | $170K |
| Free cash flow | $6.14M | $4.35M | $9.68M | $10.4M | -$891K | $18.8M | $9.66M | $6.44M | $2.86M | $6.99M |
| Share buybacks | $0.00 | — | — | $0.00 | $73.0K | $152K | $1.73M | $2.14M | $65.0K | $0.00 |
| Dividends paid | $745K | $1.50M | $1.37M | $1.43M | $2.07M | $2.04M | $2.03M | $1.91M | $1.95M | $1.95M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $54.6M | $60.7M | $61.8M | $55.8M | $194M | $184M | $57.8M | $49.7M | $43.6M | $138M |
| Total assets | $588M | $645M | $717M | $720M | $861M | $920M | $976M | $995M | $994M | $1.09B |
| Total liabilities | $528M | $580M | $645M | $642M | $776M | $826M | $879M | $895M | $890M | $983M |
| Shareholders' equity | $60.3M | $65.2M | $71.6M | $77.7M | $85.5M | $93.4M | $97.7M | $101M | $104M | $109M |
| Retained earnings | $36.9M | $40.5M | $46.2M | $51.4M | $58.2M | $65.2M | $70.8M | $73.6M | $76.3M | $81.5M |
| Shares (wtd avg diluted) | 2.57M | 2.57M | 2.57M | 2.58M | 2.59M | 2.63M | 2.61M | 2.58M | 2.57M | 2.58M |
Every figure is extracted from Sound Financial Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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