SOUND FINANCIAL BANCORP INC (SFBC) Fundamental Analysis & Valuation

NASDAQ:SFBC • US83607A1007

Current stock price

43.32 USD
-0.56 (-1.29%)
Last:

This SFBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. SFBC Profitability Analysis

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.
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

  • Looking at the Return On Assets, with a value of 0.64%, SFBC is doing worse than 75.26% of the companies in the same industry.
  • SFBC's Return On Equity of 6.33% is on the low side compared to the rest of the industry. SFBC is outperformed by 73.16% 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

  • SFBC has a worse Profit Margin (17.56%) than 76.32% of its industry peers.
  • In the last couple of years the Profit Margin of SFBC has declined.
  • The Operating Margin and Gross Margin are not available for SFBC so they could not be analyzed.
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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2

2. SFBC Health Analysis

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.
  • Compared to 1 year ago, SFBC has a worse debt to assets ratio.
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.
  • SFBC's Debt to FCF ratio of 2.28 is in line compared to the rest of the industry. SFBC outperforms 45.53% of its industry peers.
  • A Debt/Equity ratio of 0.11 indicates that SFBC is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.11, SFBC is in the better half of the industry, outperforming 63.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.28
Altman-Z N/A
ROIC/WACCN/A
WACC20.48%
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. SFBC Growth Analysis

3.1 Past

  • SFBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 72.72%, which is quite impressive.
  • 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 grown by 11.00% in the past year. This is quite good.
  • 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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1

4. SFBC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 16.41, the valuation of SFBC can be described as correct.
  • Based on the Price/Earnings ratio, SFBC is valued a bit more expensive than the industry average as 79.74% of the companies are valued more cheaply.
  • SFBC is valuated rather cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.41
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SFBC indicates a slightly more expensive valuation: SFBC is more expensive than 75.79% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.51
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. SFBC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.99%, SFBC has a reasonable but not impressive dividend return.
  • SFBC's Dividend Yield is slightly below the industry average, which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.90, SFBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.99%

5.2 History

  • On average, the dividend of SFBC grows each year by 6.32%, which is quite nice.
  • SFBC has been paying a dividend for at least 10 years, so it has 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

  • 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 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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SFBC Fundamentals: All Metrics, Ratios and Statistics

SOUND FINANCIAL BANCORP INC

NASDAQ:SFBC (3/27/2026, 8:00:01 PM)

43.32

-0.56 (-1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners44.29%
Inst Owner Change18.32%
Ins Owners10.51%
Ins Owner Change0.32%
Market Cap111.33M
Revenue(TTM)38.75M
Net Income(TTM)6.80M
Analysts0
Price TargetN/A
Short Float %2.08%
Short Ratio8.56
Dividend
Industry RankSector Rank
Dividend Yield 1.99%
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 16.41
Fwd PE N/A
P/S 2.87
P/FCF 21.51
P/OCF 20.98
P/B 1.04
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)2.64
EY6.09%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.01
FCFY4.65%
OCF(TTM)2.06
OCFY4.77%
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
WACC20.48%
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 Fundamental Analysis 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.