Provident Financial Holdings vs Sound Financial Bancorp
Provident Financial Holdings and Sound Financial Bancorp are similar in size: $40.1m and $38.9m of revenue in their latest fiscal years. Sound Financial Bancorp grew faster (9.1% against 2.7%). Sound Financial Bancorp kept more of each dollar of sales as profit: a net margin of 18.4% against 16.6%.
| Latest fiscal year | Provident Financial HoldingsPROV, 2026 | Sound Financial BancorpSFBC, 2025 |
|---|---|---|
| Revenue | $40.1m | $38.9m |
| Revenue growth | 2.7% | 9.1% |
| Net income | $6.7m | $7.2m |
| Operating margin | — | — |
| Net margin | 16.6% | 18.4% |
| Return on equity | 5.2% | 6.7% |
| Free cash flow | $8.5m | $7.0m |
| Cash | $49.2m | $138m |
| Total debt | $157m | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.56 | $0.76 |
| Dividend yield | 3.2% | 1.8% |
| Share buybacks | $6.0m | $0 |
| Employees | 158 | 92 |
| Market value | $114m | $114m |
| Price vs our value range | — | — |
| Moat score | 49 (Moderate) | 62 (Moderate) |
| Insider trades, 12 months | 0 buys, 5 sales | 0 buys, 3 sales |