SFBC (Sound Financial Bancorp) Interest Expense: $-22.41 Mil (TTM As of Mar. 2026)


SFBC Sound Financial Bancorp Inc SFBC
51 GF Score
Price $43.07
GF Value $45.31
Valuation Fairly Valued
! 1 Warning Sign
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What is Sound Financial Bancorp Interest Expense?

Sound Financial Bancorp SFBC -1.75% 51 Interest Expense is $-22.41 Mil as of Mar. 2026. GuruFocus rates SFBC with a GF Score™ of 51/100 and a GF Value™ of $45.31 (Fairly Valued). The stock has 1 warning sign investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Sound Financial Bancorp's interest expense for the three months ended in Mar. 2026 was $ -5.42 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was $-22.41 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Sound Financial Bancorp's Operating Income for the three months ended in Mar. 2026 was $ Mil. Sound Financial Bancorp's Interest Expense for the three months ended in Mar. 2026 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Sound Financial Bancorp Interest Expense Historical Data

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The historical data trend for Sound Financial Bancorp's Interest Expense can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sound Financial Bancorp Interest Expense Chart

Sound Financial Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -3.95 -4.50 -16.76 -26.37 -22.63

Sound Financial Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -5.64 -5.66 -5.71 -5.62 -5.42
SFBC
51GF Score
Sound Financial Bancorp Inc SFBC
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Sound Financial Bancorp Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-22.41 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-22.41 Mil mean?
Sound Financial Bancorp (SFBC) has a Interest Expense of $-22.41 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Sound Financial Bancorp and its competitors.
Is Sound Financial Bancorp's Interest Expense too high?
Sound Financial Bancorp's current Interest Expense is $-22.41 Mil. Overall, Sound Financial Bancorp has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sound Financial Bancorp's Interest Expense compare to CZBS and HARL?
Sound Financial Bancorp's Interest Expense of $-22.41 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Sound Financial Bancorp and its competitors. Sound Financial Bancorp's current Interest Expense is $-22.41 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sound Financial Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sound Financial Bancorp (SFBC) is currently considered Fairly Valued. The stock's GF Value™ is $45.31, compared to a current price of $43.07 — trading 5% below its estimated fair value. The current Interest Expense is $-22.41 Mil. Sound Financial Bancorp's overall GF Score™ is 51/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current Interest Expense is $-22.41 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Sound Financial Bancorp (SFBC) Overvalued in 2026?

Based on GuruFocus' analysis, Sound Financial Bancorp stock appears to be undervalued. The current stock price of $43.07 is trading 5% below its estimated GF Value™ of $45.31. GuruFocus considers Sound Financial Bancorp to be Fairly Valued.

Key valuation signals for SFBC:

  • Interest Expense: $-22.41 Mil
  • GF Value™: $45.31 vs. price of $43.07 (5% below fair value)
  • GF Score™: 51/100 with 1 warning sign

No single metric tells the full story. See the SFBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Sound Financial Bancorp Business Description

Address 2400 3rd Avenue, Suite 150, Seattle, WA, USA, 98121
Sound Financial Bancorp Inc operates as the holding company for Sound Community Bank that provides traditional banking and other financial services for individuals and businesses. It attracts retail and commercial deposits from the public and invests those funds, along with borrowed funds, in loans secured by first and second mortgages on one-to-four-family residences including home equity loans and lines of credit, commercial and multifamily real estate, construction and land, consumer and commercial business loans. The bank also offers secured and unsecured consumer loan products, including manufactured home loans, floating home loans, automobile loans, boat loans, and recreational vehicle loans.
51GF Score

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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.07
Price
$45.31
GF Value