SOUND FINANCIAL BANCORP INC (SFBC)
US83607A1007 - Common Stock
Overall SFBC gets a fundamental rating of 2 out of 10. We evaluated SFBC against 412 industry peers in the Banks industry. SFBC may be in some trouble as it scores bad on both profitability and health. SFBC is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
SFBC had positive earnings in the past year.
In the past year SFBC had a positive cash flow from operations.
In the past 5 years SFBC has always been profitable.
SFBC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.74%, SFBC is not doing good in the industry: 60.19% of the companies in the same industry are doing better.
SFBC's Return On Equity of 7.34% is on the low side compared to the rest of the industry. SFBC is outperformed by 65.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 7.34% | ||
| ROIC | N/A |
ROA(3y)0.88%
ROA(5y)0.92%
ROE(3y)8.72%
ROE(5y)9.04%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 19.01%, SFBC is not doing good in the industry: 70.63% of the companies in the same industry are doing better.
SFBC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for SFBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.01% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.41%
PM growth 5Y-2.8%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SFBC has less shares outstanding
SFBC has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SFBC has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SFBC is 1.82, which is an excellent value as it means it would take SFBC, only 1.82 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.82, SFBC is doing good in the industry, outperforming 61.65% of the companies in the same industry.
SFBC has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.12, SFBC is doing good in the industry, outperforming 72.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.82 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SFBC have decreased strongly by -14.82% in the last year.
The Earnings Per Share has been growing slightly by 0.96% on average over the past years.
The Revenue has decreased by -2.60% in the past year.
Measured over the past years, SFBC shows a small growth in Revenue. The Revenue has been growing by 3.89% on average per year.
EPS 1Y (TTM)-14.82%
EPS 3Y-6.02%
EPS 5Y0.96%
EPS growth Q2Q-58.02%
Revenue 1Y (TTM)-2.6%
Revenue growth 3Y3.6%
Revenue growth 5Y3.89%
Revenue growth Q2Q-19.39%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.98 indicates a correct valuation of SFBC.
76.70% of the companies in the same industry are cheaper than SFBC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 24.55. SFBC is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.98 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SFBC is valued a bit more expensive than the industry average as 74.76% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)14.6
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SFBC has a Yearly Dividend Yield of 1.94%.
SFBC's Dividend Yield is slightly below the industry average, which is at 3.86.
Compared to an average S&P500 Dividend Yield of 2.39, SFBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.94% |
5.2 History
The dividend of SFBC is nicely growing with an annual growth rate of 6.28%!
SFBC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.28%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
25.90% of the earnings are spent on dividend by SFBC. This is a low number and sustainable payout ratio.
SFBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.9%
EPS Next 2YN/A
EPS Next 3YN/A
SOUND FINANCIAL BANCORP INC
NASDAQ:SFBC (4/30/2024, 7:23:40 PM)
39.99
+0.79 (+2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap102.37M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.94% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.98 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)14.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 7.34% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 19.01% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-14.82%
EPS 3Y-6.02%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-2.6%
Revenue growth 3Y3.6%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y