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SOUND FINANCIAL BANCORP INC (SFBC) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:SFBC - US83607A1007 - Common Stock

44.11 USD
-0.12 (-0.27%)
Last: 12/5/2025, 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 387 industry peers in the Banks industry. SFBC has a bad profitability rating. Also its financial health evaluation is rather negative. SFBC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SFBC was profitable.
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

The Return On Assets of SFBC (0.64%) is worse than 69.25% of its industry peers.
SFBC has a Return On Equity of 6.33%. This is in the lower half of the industry: SFBC underperforms 70.03% of its industry peers.
Industry RankSector Rank
ROA 0.64%
ROE 6.33%
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

SFBC's Profit Margin of 17.56% is on the low side compared to the rest of the industry. SFBC is outperformed by 71.06% of its industry peers.
SFBC's Profit Margin has declined in the last couple of years.
SFBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.56%
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.
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.
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 2.27, which is a good value as it means it would take SFBC, 2.27 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SFBC (2.27) is comparable to the rest of the industry.
SFBC has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.11, SFBC is in the better half of the industry, outperforming 64.08% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.27
Altman-Z N/A
ROIC/WACCN/A
WACC20.13%
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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3

3. Growth

3.1 Past

SFBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 73.18%, which is quite impressive.
The Earnings Per Share has been decreasing by -7.06% on average over the past years.
SFBC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.00%.
Measured over the past years, SFBC shows a small growth in Revenue. The Revenue has been growing by 2.85% on average per year.
EPS 1Y (TTM)73.18%
EPS 3Y-19.86%
EPS 5Y-7.06%
EPS Q2Q%47.04%
Revenue 1Y (TTM)11%
Revenue growth 3Y-1.45%
Revenue growth 5Y2.85%
Sales Q2Q%7.82%

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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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 16.71, which indicates a correct valuation of SFBC.
Based on the Price/Earnings ratio, SFBC is valued a bit more expensive than the industry average as 74.42% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.49. SFBC is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.71
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 a bit more expensive than the industry average as 73.39% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 21.87
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

With a Yearly Dividend Yield of 1.72%, SFBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.11, SFBC is paying slightly less dividend.
SFBC's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
Industry RankSector Rank
Dividend Yield 1.72%

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

SFBC pays out 28.68% of its income as dividend. This is a sustainable payout ratio.
DP28.68%
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 (12/5/2025, 8:00:02 PM)

44.11

-0.12 (-0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-27 2026-01-27
Inst Owners38.79%
Inst Owner Change2.34%
Ins Owners10.52%
Ins Owner Change-1.07%
Market Cap113.36M
Revenue(TTM)38.75M
Net Income(TTM)6.80M
Analysts0
Price TargetN/A
Short Float %1.26%
Short Ratio5.97
Dividend
Industry RankSector Rank
Dividend Yield 1.72%
Yearly Dividend0.76
Dividend Growth(5Y)6.32%
DP28.68%
Div Incr Years1
Div Non Decr Years1
Ex-Date11-07 2025-11-07 (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 16.71
Fwd PE N/A
P/S 2.93
P/FCF 21.87
P/OCF 21.35
P/B 1.06
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)2.64
EY5.99%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.02
FCFY4.57%
OCF(TTM)2.07
OCFY4.68%
SpS15.08
BVpS41.81
TBVpS40.13
PEG (NY)N/A
PEG (5Y)N/A
Graham Number49.83
Profitability
Industry RankSector Rank
ROA 0.64%
ROE 6.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.56%
GM N/A
FCFM 13.38%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.27
Debt/EBITDA N/A
Cap/Depr -61.46%
Cap/Sales 0.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 76.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC20.13%
ROIC/WACCN/A
Cap/Depr(3y)43.78%
Cap/Depr(5y)42.04%
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)73.18%
EPS 3Y-19.86%
EPS 5Y-7.06%
EPS Q2Q%47.04%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11%
Revenue growth 3Y-1.45%
Revenue growth 5Y2.85%
Sales Q2Q%7.82%
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-42.15%
FCF growth 3Y-46.68%
FCF growth 5Y-22.79%
OCF growth 1Y-43.24%
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 1 / 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 16.71 and the Price/Book (PB) ratio is 1.06.