SFBC Fundamental Analysis - SOUND FINANCIAL BANCORP INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to SFBC. SFBC was compared to 392 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.

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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.

SFBC had positive earnings in each of the past 5 years.

SFBC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

SFBC has a Return On Assets of 0.47%. This is in the lower half of the industry: SFBC underperforms 76.02% 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 76.02% 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

The Profit Margin of SFBC (13.80%) is worse than 76.28% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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.

SFBC has a Debt to FCF ratio of 4.24. This is in the lower half of the industry: SFBC underperforms 63.52% 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.

With a decent Debt to Equity ratio value of 0.11, SFBC is doing good in the industry, outperforming 66.07% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	4.24
Altman-Z	N/A

ROIC/WACCN/A

WACC19.74%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for SFBC have decreased strongly by -16.55% in the last year.

SFBC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -7.06% yearly.

Looking at the last year, SFBC shows a decrease in Revenue. The Revenue has decreased by -2.16% in the last 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.

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Find the best growth stocks

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 23.83, SFBC is valued on the expensive side.

SFBC's Price/Earnings ratio is rather expensive when compared to the industry. SFBC is more expensive than 82.65% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.41. SFBC is around the same levels.

		Industry Rank	Sector Rank
PE	23.83
Fwd PE	N/A

4.2 Price Multiples

SFBC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SFBC is more expensive than 79.34% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	43.04
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

More info and screens

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5. Dividend

5.1 Amount

SFBC has a Yearly Dividend Yield of 1.63%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.73, SFBC is paying slightly less dividend.

SFBC's Dividend Yield is slightly below the S&P500 average, which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	1.63%

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

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SOUND FINANCIAL BANCORP INC

NASDAQ:SFBC (9/18/2025, 8:23:42 PM)

46.46

+1.12 (+2.47%)

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 Cap119.40M

Analysts0

Price TargetN/A

Short Float %1.37%

Short Ratio5.75

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.63%

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 Rank	Sector Rank
PE	23.83
Fwd PE	N/A
P/S	3.29
P/FCF	43.04
P/OCF	94.39
P/B	1.14
P/tB	1.2
EV/EBITDA	N/A

EPS(TTM)1.95

EY4.2%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.08

FCFY2.32%

OCF(TTM)0.49

OCFY1.06%

SpS14.11

BVpS40.63

TBVpS38.81

PEG (NY)N/A

PEG (5Y)N/A

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

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 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

WACC19.74%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens