Patriot National Bancorp vs Sound Financial Bancorp
Sound Financial Bancorp is the larger business, with $38.9m of revenue in fiscal 2025 against $29.6m for Patriot National Bancorp (1.3 times as much). Sound Financial Bancorp grew faster (9.1% against 4.2%). Sound Financial Bancorp kept more of each dollar of sales as profit: a net margin of 18.4% against -42.9%.
| Latest fiscal year | Patriot National BancorpPNBK, 2025 | Sound Financial BancorpSFBC, 2025 |
|---|---|---|
| Revenue | $29.6m | $38.9m |
| Revenue growth | 4.2% | 9.1% |
| Net income | −$12.7m | $7.2m |
| Operating margin | — | — |
| Net margin | -42.9% | 18.4% |
| Return on equity | -25.7% | 6.7% |
| Free cash flow | −$14.3m | $7.0m |
| Cash | $207m | $138m |
| Total debt | $16.6m | $0 |
| Debt to equity | — | — |
| Dividend per share | — | $0.76 |
| Dividend yield | — | 1.8% |
| Share buybacks | — | $0 |
| Employees | 107 | 92 |
| Market value | $104m | $114m |
| Price vs our value range | — | — |
| Moat score | 12 (Weak) | 62 (Moderate) |
| Insider trades, 12 months | 4 buys, 0 sales | 0 buys, 3 sales |