Sound Financial Bancorp Inc (SFBC) — Cash Flow-to-Debt Ratio
Sound Financial Bancorp Inc (SFBC) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $2.00 Million could theoretically repay 0% of its total liabilities ($982.77 Million) in one year. See Sound Financial Bancorp Inc (SFBC) financial flexibility to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Sound Financial Bancorp Inc Cash Flow-to-Debt Ratio (2007–2025)
Historical debt coverage capacity for Sound Financial Bancorp Inc across 19 annual periods. For the full cash flow conversion analysis, see Sound Financial Bancorp Inc (SFBC) cash conversion ratio.
Annual Cash Flow-to-Debt Ratio for Sound Financial Bancorp Inc (2007–2025)
Year-by-year debt coverage analysis for Sound Financial Bancorp Inc. Check cash flow quality index of Sound Financial Bancorp Inc to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $7.16 Million | $982.77 Million | ▲ +121.2% |
| 2024 | 0.00x | $2.93 Million | $889.97 Million | ▼ -57.2% |
| 2023 | 0.01x | $6.89 Million | $894.57 Million | ▼ -32.7% |
| 2022 | 0.01x | $10.05 Million | $878.65 Million | ▼ -50.4% |
| 2021 | 0.02x | $19.07 Million | $826.33 Million | ▲ +3800.3% |
| 2020 | 0.00x | $-484.00K | $775.92 Million | ▼ -103.6% |
| 2019 | 0.02x | $11.06 Million | $642.13 Million | ▲ +7.6% |
| 2018 | 0.02x | $10.32 Million | $645.11 Million | ▲ +36.1% |
| 2017 | 0.01x | $6.82 Million | $580.08 Million | ▼ -13.1% |
| 2016 | 0.01x | $7.15 Million | $528.11 Million | ▲ +75.5% |
| 2015 | 0.01x | $3.75 Million | $486.24 Million | ▼ -49.6% |
| 2014 | 0.02x | $6.80 Million | $444.55 Million | ▼ -21.9% |
| 2013 | 0.02x | $7.77 Million | $396.11 Million | ▼ -35.2% |
| 2012 | 0.03x | $10.21 Million | $337.59 Million | ▲ +30.1% |
| 2011 | 0.02x | $7.23 Million | $311.03 Million | ▲ +5.5% |
| 2010 | 0.02x | $6.78 Million | $307.74 Million | ▲ +3788.1% |
| 2009 | 0.00x | $177.27K | $312.74 Million | ▼ -81.3% |
| 2008 | 0.00x | $812.33K | $267.39 Million | ▼ -82.3% |
| 2007 | 0.02x | $3.79 Million | $221.08 Million | — |