SOUND FINANCIAL BANCORP INC (SFBC) Stock Fundamental Analysis

NASDAQ:SFBC • US83607A1007

43.56 USD
-0.1 (-0.23%)
Last: Feb 20, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, SFBC scores 2 out of 10 in our fundamental rating. SFBC was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of SFBC have multiple concerns. SFBC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

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.
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 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 69.29% of its industry peers.
  • SFBC's Return On Equity of 6.33% is on the low side compared to the rest of the industry. SFBC is outperformed by 69.29% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 17.56%, SFBC is not doing good in the industry: 71.65% of the companies in the same industry are doing better.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for SFBC has been reduced compared to 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

  • The Debt to FCF ratio of SFBC is 2.28, which is a good value as it means it would take SFBC, 2.28 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.28, SFBC is in line with its industry, outperforming 44.09% of the companies in the same industry.
  • 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 64.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.28
Altman-Z N/A
ROIC/WACCN/A
WACC20.19%
SFBC Yearly LT Debt VS Equity VS FCFSFBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 72.72% over the past 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 quite strong growth in Revenue. The Revenue has grown by 11.00% in the last year.
  • 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)72.72%
EPS 3Y-19.86%
EPS 5Y-7.06%
EPS Q2Q%45.73%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.50, which indicates a correct valuation of SFBC.
  • SFBC's Price/Earnings ratio is a bit more expensive when compared to the industry. SFBC is more expensive than 76.12% of the companies in the same industry.
  • SFBC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.99.
Industry RankSector Rank
PE 16.5
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 74.02% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 21.63
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • SFBC has a Yearly Dividend Yield of 1.92%.
  • Compared to an average industry Dividend Yield of 2.78, SFBC is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.85, SFBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.92%

5.2 History

  • On average, the dividend of SFBC grows each year by 6.32%, which is quite nice.
  • SFBC has paid a dividend for at least 10 years, which is a reliable track record.
  • SFBC has decreased its dividend 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 28.68% of the earnings are spent on dividend by SFBC. This is a low number and 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 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

More info and screens

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SOUND FINANCIAL BANCORP INC

NASDAQ:SFBC (2/20/2026, 8:04:46 PM)

43.56

-0.1 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners38.45%
Inst Owner Change11.34%
Ins Owners10.51%
Ins Owner Change0.32%
Market Cap111.95M
Revenue(TTM)38.75M
Net Income(TTM)6.80M
Analysts0
Price TargetN/A
Short Float %2.06%
Short Ratio6.91
Dividend
Industry RankSector Rank
Dividend Yield 1.92%
Yearly Dividend0.76
Dividend Growth(5Y)6.32%
DP28.68%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-09
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 16.5
Fwd PE N/A
P/S 2.89
P/FCF 21.63
P/OCF 21.1
P/B 1.04
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)2.64
EY6.06%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.01
FCFY4.62%
OCF(TTM)2.06
OCFY4.74%
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 13.36%
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 2.28
Debt/EBITDA N/A
Cap/Depr 25.19%
Cap/Sales 0.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 76.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC20.19%
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)72.72%
EPS 3Y-19.86%
EPS 5Y-7.06%
EPS Q2Q%45.73%
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-42.23%
FCF growth 3Y-46.68%
FCF growth 5Y-22.79%
OCF growth 1Y-43.28%
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 of SOUND FINANCIAL BANCORP INC (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.


Can you provide the financial health for SFBC stock?

The financial health rating of SOUND FINANCIAL BANCORP INC (SFBC) is 2 / 10.