Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 1.32% is 68% below its 5-year average of 4.07%, near the low end of its 5-year range (1.32%–7.62%).
As of the fiscal period ended Tuesday, June 30, 2026. 48.99% below its 12-month average of 2.58%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 1.32%.
DEBT TO ASSETS RATIO
1.32%
DEBT TO ASSETS RATIO AVG TTM
2.58%
DEBT TO ASSETS RATIO AVG 3Y
4.20%
DEBT TO ASSETS RATIO AVG 5Y
4.07%
DEBT TO ASSETS RATIO AVG 10Y
4.84%
DEBT TO ASSETS RATIO AVG 15Y
5.12%
DEBT TO ASSETS RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
-48.99%
CURRENT VS 3Y AVG
-68.62%
CURRENT VS 5Y AVG
-67.69%
CURRENT VS 10Y AVG
-72.82%
CURRENT VS 15Y AVG
-74.27%
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+2532.48%
vs the sector median at left
Sound Financial Bancorp, Inc.
Market Cap
$102.50M
Debt to Assets Ratio
1.32%
TTM Avg
2.58%
3Y Avg
4.20%
5Y Avg
4.07%
Market Cap
$102.55M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$102.23M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$101.90M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$100.27M
Debt to Assets Ratio
0.17%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$100.20M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$104.87M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$105.42M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$105.71M
Debt to Assets Ratio
0.23%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Sound Financial Bancorp, Inc. (SFBC) | $102.50M | 1.32% | 2.58% | 4.20% | 4.07% |
| Amanat Acquisition Corp Class A Ordinary Shares (AMAN)vs › | $102.55M | N/A | N/A | N/A | N/A |
| Three Lions Acquisition Corp. (TLAC)vs › | $102.23M | N/A | N/A | N/A | N/A |
| CO2 Energy Transition Corp. (NOEM)vs › | $101.90M | 0.00% | N/A | N/A | N/A |
| Spark I Acquisition Corp. Class A Ordinary Share (SPKL)vs › | $100.27M | 0.17% | N/A | N/A | N/A |
| Forefront Tech Holdings Acquisition Corp. (FTHA)vs › | $100.20M | N/A | N/A | N/A | N/A |
| ChampionsGate Acquisition Corporation Class A Ordinary Share (CHPG)vs › | $104.87M | 0.00% | N/A | N/A | N/A |
| Maywood Acquisition Corp. 2 Class A Ordinary Share (MYX)vs › | $105.42M | N/A | N/A | N/A | N/A |
| Union Bankshares, Inc. (UNB)vs › | $105.71M | 0.23% | N/A | N/A | N/A |
| Pathfinder Bancorp, Inc. (PBHC)vs › | $106.05M | 0.12% | N/A | N/A | N/A |
Debt/Assets
1.3%
Debt/Equity
0.12
Current ratio and interest coverage is unavailable for Sound Financial Bancorp, Inc.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 1.32% |
| 2026-03-31 | 1.90% |
| 2025-12-31 | 1.97% |
| 2025-09-30 | 3.84% |
| 2025-06-30 | 3.87% |
| 2025-03-31 | 3.80% |
| 2024-12-31 | 4.10% |
| 2024-09-30 | 5.07% |
| 2024-06-30 | 5.22% |
| 2024-03-31 | 5.18% |
| 2023-12-31 | 5.68% |
| 2023-09-30 | 5.51% |
| 2023-06-30 | 7.62% |
| 2023-03-31 | 5.20% |
| 2022-12-31 | 6.16% |
| 2022-09-30 | 6.30% |
| 2022-06-30 | 5.08% |
| 2022-03-31 | 1.86% |
| 2021-12-31 | 1.94% |
| 2021-09-30 | 1.95% |
| 2021-06-30 | 1.98% |
| 2021-03-31 | 1.97% |
| 2020-12-31 | 2.17% |
| 2020-09-30 | 3.06% |
| 2020-06-30 | 10.03% |
| 2020-03-31 | 2.07% |
| 2019-12-31 | 2.15% |
| 2019-09-30 | 2.89% |
| 2019-06-30 | 3.57% |
| 2019-03-31 | 4.79% |
| 2018-12-31 | 11.72% |
| 2018-09-30 | 13.49% |
| 2018-06-30 | 10.35% |
| 2018-03-31 | 8.49% |
| 2017-12-31 | 9.14% |
| 2017-09-30 | 4.50% |
| 2017-06-30 | 4.25% |
| 2017-03-31 | 4.45% |
| 2016-12-31 | 9.31% |
| 2016-09-30 | 6.61% |
| 2016-06-30 | 6.57% |
| 2016-03-31 | 5.77% |
| 2015-12-31 | 7.48% |
| 2015-09-30 | 4.80% |
| 2015-06-30 | 5.22% |
| 2015-03-31 | 3.75% |
| 2014-12-31 | 6.18% |
| 2014-09-30 | 4.33% |
| 2014-06-30 | 8.51% |
| 2014-03-31 | 6.30% |
| 2013-12-31 | 9.77% |
| 2013-09-30 | 9.35% |
| 2013-06-30 | 9.90% |
| 2013-03-31 | 6.58% |
| 2012-12-31 | 5.74% |
| 2012-09-30 | 2.19% |
| 2012-06-30 | 2.31% |
| 2012-03-31 | 2.39% |
| 2011-12-31 | 2.50% |
