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SOUND FINANCIAL BANCORP INC (SFBC) Stock Fundamental Analysis

NASDAQ:SFBC - US83607A1007 - Common Stock

48.54 USD
-0.12 (-0.25%)
Last: 8/25/2025, 8:00:02 PM
Fundamental Rating

2

Taking everything into account, SFBC scores 2 out of 10 in our fundamental rating. SFBC was compared to 393 industry peers in the Banks industry. SFBC may be in some trouble as it scores bad on both profitability and health. SFBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

SFBC had positive earnings in the past year.
SFBC had a positive operating cash flow in the past year.
Each year in the past 5 years SFBC has been profitable.
SFBC had a positive operating cash flow in 4 of the past 5 years.
SFBC Yearly Net Income VS EBIT VS OCF VS FCFSFBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M

1.2 Ratios

SFBC has a worse Return On Assets (0.47%) than 76.08% of its industry peers.
The Return On Equity of SFBC (4.79%) is worse than 75.83% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 4.79%
ROIC N/A
ROA(3y)0.7%
ROA(5y)0.83%
ROE(3y)6.93%
ROE(5y)8.21%
ROIC(3y)N/A
ROIC(5y)N/A
SFBC Yearly ROA, ROE, ROICSFBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 13.80%, SFBC is doing worse than 77.35% of the companies in the same industry.
In the last couple of years the Profit Margin of SFBC has declined.
The Operating Margin and Gross Margin are not available for SFBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 13.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.3%
PM growth 5Y-9.72%
GM growth 3YN/A
GM growth 5YN/A
SFBC Yearly Profit, Operating, Gross MarginsSFBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

SFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SFBC has been increased compared to 1 year ago.
SFBC has less shares outstanding than it did 5 years ago.
SFBC has a worse debt/assets ratio than last year.
SFBC Yearly Shares OutstandingSFBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M 2.5M
SFBC Yearly Total Debt VS Total AssetsSFBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

The Debt to FCF ratio of SFBC is 4.24, which is a neutral value as it means it would take SFBC, 4.24 years of fcf income to pay off all of its debts.
SFBC's Debt to FCF ratio of 4.24 is on the low side compared to the rest of the industry. SFBC is outperformed by 63.87% of its industry peers.
SFBC has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
SFBC's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. SFBC outperforms 66.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 4.24
Altman-Z N/A
ROIC/WACCN/A
WACC19.46%
SFBC Yearly LT Debt VS Equity VS FCFSFBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SFBC Yearly Current Assets VS Current LiabilitesSFBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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1

3. Growth

3.1 Past

SFBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.55%.
The Earnings Per Share has been decreasing by -7.06% on average over the past years.
The Revenue has decreased by -2.16% in the past year.
The Revenue has been growing slightly by 2.85% on average over the past years.
EPS 1Y (TTM)-16.55%
EPS 3Y-19.86%
EPS 5Y-7.06%
EPS Q2Q%50.6%
Revenue 1Y (TTM)-2.16%
Revenue growth 3Y-1.45%
Revenue growth 5Y2.85%
Sales Q2Q%7.16%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SFBC Yearly Revenue VS EstimatesSFBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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0

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 24.89, SFBC is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of SFBC indicates a rather expensive valuation: SFBC more expensive than 84.22% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.03, SFBC is valued at the same level.
Industry RankSector Rank
PE 24.89
Fwd PE N/A
SFBC Price Earnings VS Forward Price EarningsSFBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SFBC is valued more expensive than 80.66% of the companies in the same industry.
Industry RankSector Rank
P/FCF 44.97
EV/EBITDA N/A
SFBC Per share dataSFBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

SFBC has a Yearly Dividend Yield of 1.61%. Purely for dividend investing, there may be better candidates out there.
SFBC's Dividend Yield is slightly below the industry average, which is at 3.30.
Compared to the average S&P500 Dividend Yield of 2.34, SFBC is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.61%

5.2 History

The dividend of SFBC is nicely growing with an annual growth rate of 6.32%!
SFBC has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of SFBC decreased recently.
Dividend Growth(5Y)6.32%
Div Incr Years1
Div Non Decr Years1
SFBC Yearly Dividends per shareSFBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

38.93% of the earnings are spent on dividend by SFBC. This is a low number and sustainable payout ratio.
DP38.93%
EPS Next 2YN/A
EPS Next 3YN/A
SFBC Yearly Income VS Free CF VS DividendSFBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M
SFBC Dividend Payout.SFBC Dividend Payout, showing the Payout Ratio.SFBC Dividend Payout.PayoutRetained Earnings

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SOUND FINANCIAL BANCORP INC

NASDAQ:SFBC (8/25/2025, 8:00:02 PM)

48.54

-0.12 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28
Earnings (Next)10-28 2025-10-28
Inst Owners36.93%
Inst Owner Change-2.72%
Ins Owners10.48%
Ins Owner Change-1.6%
Market Cap124.75M
Analysts0
Price TargetN/A
Short Float %1.57%
Short Ratio2.6
Dividend
Industry RankSector Rank
Dividend Yield 1.61%
Yearly Dividend0.76
Dividend Growth(5Y)6.32%
DP38.93%
Div Incr Years1
Div Non Decr Years1
Ex-Date08-11 2025-08-11 (0.19)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 24.89
Fwd PE N/A
P/S 3.44
P/FCF 44.97
P/OCF 98.61
P/B 1.19
P/tB 1.25
EV/EBITDA N/A
EPS(TTM)1.95
EY4.02%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.08
FCFY2.22%
OCF(TTM)0.49
OCFY1.01%
SpS14.11
BVpS40.63
TBVpS38.81
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 4.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.8%
GM N/A
FCFM 7.65%
ROA(3y)0.7%
ROA(5y)0.83%
ROE(3y)6.93%
ROE(5y)8.21%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.3%
PM growth 5Y-9.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 4.24
Debt/EBITDA N/A
Cap/Depr 84.3%
Cap/Sales 4.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 55.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC19.46%
ROIC/WACCN/A
Cap/Depr(3y)29.61%
Cap/Depr(5y)33.54%
Cap/Sales(3y)0.79%
Cap/Sales(5y)0.83%
Profit Quality(3y)86.26%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-16.55%
EPS 3Y-19.86%
EPS 5Y-7.06%
EPS Q2Q%50.6%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.16%
Revenue growth 3Y-1.45%
Revenue growth 5Y2.85%
Sales Q2Q%7.16%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-68.3%
FCF growth 3Y-46.68%
FCF growth 5Y-22.79%
OCF growth 1Y-86.11%
OCF growth 3Y-46.43%
OCF growth 5Y-23.32%