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Side-by-side financial comparison of Sound Financial Bancorp, Inc. (SFBC) and Valens Semiconductor Ltd. (VLN). Click either name above to swap in a different company.

Valens Semiconductor Ltd. is the larger business by last-quarter revenue ($17.3M vs $9.5M, roughly 1.8× Sound Financial Bancorp, Inc.). On growth, Valens Semiconductor Ltd. posted the faster year-over-year revenue change (8.1% vs 1.5%). Sound Financial Bancorp, Inc. produced more free cash flow last quarter ($7.0M vs $-4.9M).

U.S. Bancorp is an American multinational banking institution headquartered in Minneapolis, Minnesota and incorporated in Delaware. It is the 5th-largest bank in the United States as of 2025. As the largest bank in the Midwestern United States, it is considered systemically important by the Financial Stability Board. It is the parent company of its primary operating entity, U.S. Bank National Association, which does business as U.S. Bank. The company provides banking, investment, mortgage, tr...

Valens Semiconductor (Valens) is an Israeli fabless manufacturing company providing semiconductors for the automotive and audio-video industries. Valens provides semiconductor products for the distribution of uncompressed ultra-high-definition (UHD) multimedia content and in-vehicle connectivity applications. The company is a member of the MIPI Alliance and developed the first-to-market chipset that is compliant with the MIPI A-PHY standard. Valens invented the technology behind the HDBaseT s...

SFBC vs VLN — Head-to-Head

Bigger by revenue
VLN
VLN
1.8× larger
VLN
$17.3M
$9.5M
SFBC
Growing faster (revenue YoY)
VLN
VLN
+6.6% gap
VLN
8.1%
1.5%
SFBC
More free cash flow
SFBC
SFBC
$11.9M more FCF
SFBC
$7.0M
$-4.9M
VLN

Income Statement — Q4 FY2025 vs Q3 FY2025

Metric
SFBC
SFBC
VLN
VLN
Revenue
$9.5M
$17.3M
Net Profit
$-7.3M
Gross Margin
63.0%
Operating Margin
27.1%
-46.4%
Net Margin
-42.2%
Revenue YoY
1.5%
8.1%
Net Profit YoY
29.3%
EPS (diluted)
$0.87
$-0.07

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
SFBC
SFBC
VLN
VLN
Q4 25
$9.5M
Q3 25
$9.8M
$17.3M
Q2 25
$10.4M
$17.1M
Q1 25
$9.2M
$16.8M
Q4 24
$9.4M
Q3 24
$9.1M
$16.0M
Q2 24
$8.6M
$13.6M
Q1 24
$8.6M
Net Profit
SFBC
SFBC
VLN
VLN
Q4 25
Q3 25
$1.7M
$-7.3M
Q2 25
$2.1M
$-7.2M
Q1 25
$1.2M
$-8.3M
Q4 24
Q3 24
$1.2M
$-10.4M
Q2 24
$795.0K
$-8.9M
Q1 24
$770.0K
Gross Margin
SFBC
SFBC
VLN
VLN
Q4 25
Q3 25
63.0%
Q2 25
63.5%
Q1 25
62.9%
Q4 24
Q3 24
56.4%
Q2 24
61.4%
Q1 24
Operating Margin
SFBC
SFBC
VLN
VLN
Q4 25
27.1%
Q3 25
21.3%
-46.4%
Q2 25
24.5%
-43.3%
Q1 25
15.9%
-56.2%
Q4 24
24.6%
Q3 24
15.6%
-76.3%
Q2 24
11.4%
-69.2%
Q1 24
10.9%
Net Margin
SFBC
SFBC
VLN
VLN
Q4 25
Q3 25
17.3%
-42.2%
Q2 25
19.8%
-42.1%
Q1 25
12.7%
-49.4%
Q4 24
Q3 24
12.7%
-64.6%
Q2 24
9.2%
-65.2%
Q1 24
9.0%
EPS (diluted)
SFBC
SFBC
VLN
VLN
Q4 25
$0.87
Q3 25
$0.66
$-0.07
Q2 25
$0.79
$-0.07
Q1 25
$0.45
$-0.08
Q4 24
$0.74
Q3 24
$0.45
$-0.10
Q2 24
$0.31
$-0.08
Q1 24
$0.30

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
SFBC
SFBC
VLN
VLN
Cash + ST InvestmentsLiquidity on hand
$138.5M
$93.5M
Total DebtLower is stronger
Stockholders' EquityBook value
$109.4M
$108.8M
Total Assets
$1.1B
$136.7M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
SFBC
SFBC
VLN
VLN
Q4 25
$138.5M
Q3 25
$101.2M
$93.5M
Q2 25
$102.5M
$102.7M
Q1 25
$131.5M
$112.5M
Q4 24
$43.6M
Q3 24
$148.9M
$133.1M
Q2 24
$135.1M
$105.9M
Q1 24
$138.0M
Stockholders' Equity
SFBC
SFBC
VLN
VLN
Q4 25
$109.4M
Q3 25
$107.5M
$108.8M
Q2 25
$106.0M
$116.5M
Q1 25
$104.4M
$128.6M
Q4 24
$103.7M
Q3 24
$102.2M
$147.0M
Q2 24
$101.3M
$153.5M
Q1 24
$101.0M
Total Assets
SFBC
SFBC
VLN
VLN
Q4 25
$1.1B
Q3 25
$1.1B
$136.7M
Q2 25
$1.1B
$144.8M
Q1 25
$1.1B
$154.6M
Q4 24
$993.6M
Q3 24
$1.1B
$171.9M
Q2 24
$1.1B
$175.8M
Q1 24
$1.1B

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
SFBC
SFBC
VLN
VLN
Operating Cash FlowLast quarter
$7.2M
$-4.7M
Free Cash FlowOCF − Capex
$7.0M
$-4.9M
FCF MarginFCF / Revenue
73.4%
-28.5%
Capex IntensityCapex / Revenue
1.8%
1.6%
Cash ConversionOCF / Net Profit
TTM Free Cash FlowTrailing 4 quarters
$12.0M
$-11.0M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
SFBC
SFBC
VLN
VLN
Q4 25
$7.2M
Q3 25
$3.8M
$-4.7M
Q2 25
$-494.0K
$-211.0K
Q1 25
$1.9M
$-7.6M
Q4 24
$2.9M
Q3 24
$3.3M
$3.0M
Q2 24
$-4.0M
$-225.0K
Q1 24
$3.5M
Free Cash Flow
SFBC
SFBC
VLN
VLN
Q4 25
$7.0M
Q3 25
$3.8M
$-4.9M
Q2 25
$-518.0K
$-330.0K
Q1 25
$1.8M
$-8.0M
Q4 24
$2.9M
Q3 24
$3.2M
$2.2M
Q2 24
$-5.6M
$-460.0K
Q1 24
$1.9M
FCF Margin
SFBC
SFBC
VLN
VLN
Q4 25
73.4%
Q3 25
38.3%
-28.5%
Q2 25
-5.0%
-1.9%
Q1 25
19.8%
-47.3%
Q4 24
30.4%
Q3 24
35.5%
14.0%
Q2 24
-65.4%
-3.4%
Q1 24
22.2%
Capex Intensity
SFBC
SFBC
VLN
VLN
Q4 25
1.8%
Q3 25
0.4%
1.6%
Q2 25
0.2%
0.7%
Q1 25
0.4%
2.1%
Q4 24
0.8%
Q3 24
0.5%
4.5%
Q2 24
18.7%
1.7%
Q1 24
19.0%
Cash Conversion
SFBC
SFBC
VLN
VLN
Q4 25
Q3 25
2.24×
Q2 25
-0.24×
Q1 25
1.59×
Q4 24
Q3 24
2.84×
Q2 24
-5.05×
Q1 24
4.57×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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