SOUND FINANCIAL BANCORP INC (SFBC) Stock Fundamental Analysis
USA - NASDAQ:SFBC - US83607A1007 - Common Stock
44.2 USD
+0.15 (+0.34%)
Taking everything into account, SFBC scores 2 out of 10 in our fundamental rating. SFBC was compared to 390 industry peers in the Banks industry. SFBC may be in some trouble as it scores bad on both profitability and health. SFBC has a expensive valuation and it also scores bad on growth.
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.
In the past 5 years SFBC has always been profitable.
Of the past 5 years SFBC 4 years had a positive operating cash flow.
1.2 Ratios
SFBC has a Return On Assets of 0.47%. This is in the lower half of the industry: SFBC underperforms 78.21% of its industry peers.
SFBC's Return On Equity of 4.79% is on the low side compared to the rest of the industry. SFBC is outperformed by 76.92% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
SFBC has a worse Profit Margin (13.80%) than 77.44% of its industry peers.
In the last couple of years the Profit Margin of SFBC has declined.
SFBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
SFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
SFBC has more shares outstanding than it did 1 year ago.
SFBC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SFBC is higher compared to a year ago.
2.2 Solvency
SFBC has a debt to FCF ratio of 4.24. This is a neutral value as SFBC would need 4.24 years to pay back of all of its debts.
The Debt to FCF ratio of SFBC (4.24) is worse than 63.85% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that SFBC is not too dependend on debt financing.
SFBC has a better Debt to Equity ratio (0.11) than 66.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 4.24 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.04%
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 -16.55% in the last year.
Measured over the past years, SFBC shows a decrease in Earnings Per Share. The EPS has been decreasing by -7.06% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 22.67 indicates a rather expensive valuation of SFBC.
82.56% 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 26.76. SFBC is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.67 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SFBC indicates a rather expensive valuation: SFBC more expensive than 80.26% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 40.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SFBC has a Yearly Dividend Yield of 1.71%.
Compared to an average industry Dividend Yield of 3.50, SFBC is paying slightly less dividend.
SFBC's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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
5.3 Sustainability
SFBC pays out 38.93% of its income as dividend. This is a sustainable payout ratio.
DP38.93%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:SFBC (10/30/2025, 4:30:02 PM)
44.2
+0.15 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.82%
Inst Owner Change0%
Ins Owners10.48%
Ins Owner Change-1.6%
Market Cap113.59M
Revenue(TTM)36.27M
Net Income(TTM)5.01M
Analysts0
Price TargetN/A
Short Float %1.04%
Short Ratio4.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
Yearly Dividend0.76
Dividend Growth(5Y)6.32%
DP38.93%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.67 | ||
| Fwd PE | N/A | ||
| P/S | 3.13 | ||
| P/FCF | 40.95 | ||
| P/OCF | 89.8 | ||
| P/B | 1.09 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.95
EY4.41%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.08
FCFY2.44%
OCF(TTM)0.49
OCFY1.11%
SpS14.11
BVpS40.63
TBVpS38.81
PEG (NY)N/A
PEG (5Y)N/A
Graham Number42.22
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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
WACC20.04%
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%
SOUND FINANCIAL BANCORP INC / SFBC FAQ
What is the fundamental rating for SFBC stock?
ChartMill assigns a fundamental rating of 2 / 10 to SFBC.
What is the valuation status for SFBC stock?
ChartMill assigns a valuation rating of 0 / 10 to SOUND FINANCIAL BANCORP INC (SFBC). This can be considered as Overvalued.
What is the profitability of SFBC stock?
SOUND FINANCIAL BANCORP INC (SFBC) has a profitability rating of 2 / 10.
What is the valuation of SOUND FINANCIAL BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SOUND FINANCIAL BANCORP INC (SFBC) is 22.67 and the Price/Book (PB) ratio is 1.09.