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Sound Financial Bancorp, Inc. SFBC R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.soundcb.com
Company Profile ↓
$44.80
-2.36% 1Y
Mkt Cap$115.05M
P/E14.36
P/B1.11
Div. Yield1.74%
52W High$48.90
52W Low$40.67
Book Value$43.99
EPS (TTM)$3.12

Company Overview

Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It accepts various deposits products comprising savings, money market deposit, NOW, and demand accounts, as well as certificates of deposit. The company also provides loans secured by first and second mortgages on one-to-four family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats and recreational vehicle loans, and loans secured by deposit accounts, and insurance products and services. Sound Financial Bancorp, Inc. was founded in 1953 and is headquartered in Seattle, Washington.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 11.5% per year over the last five years.

Reasonable Valuation

Trades at an undemanding P/E of 14.4.

Healthy Margins

Maintains a net profit margin of 19.9%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +10.2%, earnings +24.1%.
  • 5-Year Trend Long-term compounding — profit CAGR 11.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:10.20%

Compounded Profit Growth

5 Years:11.54%
1 Year:24.10%

Stock Price Performance

1 Year:-2.36%
6 Months:+7.05%
3 Months:-0.24%
1 Month:-2.61%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 50% of range
$40.67 $48.90
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)49.82 · Neutral
Price Performance
1M-2.61%
3M-0.24%
6M+7.05%
1Y-2.36%
Valuation vs Sector

P/E of 14.36 is above the sector median of 13.55 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Profit CAGR of 11.5% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.36
Industry PE
13.55
Forward P/E est.
11.57
PEG Ratio
-
Book Value
$43.99
Price to Book
1.11
P/S
3.12
EV/EBITDA
-
Dividend Yield
1.74%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
11.54%
Revenue (YoY)
10.20%
Earnings (YoY)
24.10%

Profitability & Returns

ROCE
-
ROE
7.35%
ROA
0.76%
Profit Margin
19.94%
Op Margin
29.00%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.61
EPS (TTM)
$3.12

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$10.93M
Total Assets
$1.11B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
15.89%
Chg in Prom Hold
-0.19%
FII / Inst Holding
45.69%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$115.05M
Total Revenue (TTM)
$40.26M
EBITDA
-
Free Cash Flow
$6.99M
Operating Cash Flow
$7.53M
Shares Outstanding
2.57M
Gross Margin
0.00%
Payout Ratio
25.64%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SFBC Sound Financial Bancorp, Inc. R2KFINANCIAL 44.80 14.36 $115.05M 1.74% - 7.35% - 11.54%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 797.00K1.14M994.00K987.00K1.22M1.24M1.21M1.25M1.11M1.11M1.25M1.45M1.41M1.30M1.22M1.60M1.97M1.83M1.44M1.82M1.55M981.00K2.13M2.33M2.45M2.25M2.59M1.72M1.61M2.55M2.17M2.89M1.17M770.00K795.00K1.15M1.17M2.05M1.70M1.58M
Diluted EPS 0.300.430.380.380.470.470.460.480.440.430.490.570.540.500.480.630.770.710.560.710.600.380.820.900.930.850.980.650.610.970.831.110.450.300.310.450.450.790.660.61

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 1.55M2.64M3.94M4.24M4.79M5.38M5.12M7.04M6.68M8.94M9.16M8.80M7.44M4.64M7.16M
Diluted EPS 0.591.001.491.631.862.092.002.742.573.423.463.352.861.802.77

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -339.74M381.04M442.61M495.19M540.76M588.38M645.24M716.74M719.85M861.40M919.69M976.35M995.22M993.63M1.09B
Total Equity 26.90M28.71M43.46M46.50M50.64M54.52M60.27M65.16M71.63M77.73M85.48M93.36M97.70M100.65M103.67M109.40M
Cash & Equivalents 9.09M17.03M12.73M15.33M29.29M48.26M54.58M60.68M61.81M55.77M193.83M183.59M57.84M49.69M43.64M138.45M
Long Term Debt -----40.44M----------
Total Liabilities -311.03M337.59M396.11M444.54M486.24M528.11M580.08M645.11M642.13M775.92M826.33M878.65M894.57M889.97M982.77M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 7.23M10.21M7.77M--7.15M6.82M10.32M11.06M-484.00K19.07M10.05M6.89M2.93M7.16M
Investing Cash Flow -4.61M-51.77M-61.52M---42.90M-36.11M-71.50M-5.79M4.50M-78.11M-183.79M-26.32M-3.94M-2.50M
Financing Cash Flow 5.31M37.26M56.36M--42.07M35.39M62.30M-11.32M134.05M48.80M47.98M11.29M-5.04M90.15M
Capital Expenditure -187.00K-265.00K-343.00K-3.97M-1.11M-1.01M-2.47M-641.00K-654.00K-407.00K-225.00K-398.00K-444.00K-76.00K-170.00K
Free Cash Flow 7.04M9.94M7.42M--6.14M4.35M9.68M10.41M-891.00K18.85M9.66M6.44M2.86M6.99M
Share Buybacks --1.20M904.00K1.26M0--073.00K152.00K1.73M2.14M65.00K0
Dividends Paid -0388.00K------------

Ratios (Annual)

Figures in %.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------------
Operating Margin % ---------------
Net Margin % ---------------
ROE % 5.4%6.1%8.5%8.4%8.8%8.9%7.9%9.8%8.6%10.5%9.8%9.0%7.4%4.5%6.5%
ROCE % ---------------

Shareholding Pattern

Insiders
15.89%
Institutions
45.69%
Public Float
54.32%

Top Institutional Holders

#Holder% HeldSharesValue
1 Stilwell Value LLC 15.97% 410.02K $17.41M
2 Alliancebernstein L.P. 8.40% 215.78K $9.16M
3 Graham Capital Wealth Management, LLC 4.41% 113.26K $4.81M
4 Vanguard Capital Management LLC 3.73% 95.89K $4.07M
5 Kennedy Capital Management, LLC 2.01% 51.74K $2.20M
6 Blackrock Inc. 1.46% 37.50K $1.59M
7 Pacific Sage Partners, LLC 1.41% 36.19K $1.54M
8 Oppenheimer & Close, LLC 1.27% 32.65K $1.39M
9 Geode Capital Management, LLC 0.92% 23.72K $1.01M
10 Dimensional Fund Advisors LP 0.78% 19.97K $847.84K

Analyst View

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Latest News

Recent headlines for SFBC

Google News Fri, 23 Oct 2026

Sound Financial Bancorp, Inc. Estimates – NASDAQ:SFBC - TradingView

<a href="https://news.google.com/rss/articles/CBMieEFVX3lxTE42VHB1dHBRWTZBZGNRQlZMX3U1OU11TVJXMUVoanhXNUtzSHpPVlQ5R0x6SHd4SVpyQUpfUzE0c19uWklnT2VXcEh5ZHAwREdjRm5CLW9SRU1HZDdLYUlCTGN2a2NMVXhOVkpMSDJtdGFhbGxkaTBCeQ?oc=5" target="_blank">Sound…

Google News Wed, 21 Oct 2026

Sound Financial Bancorp (NASDAQ:SFBC) Stock Crosses Below 200-Day Moving Average - Should You Sell? - MarketBeat

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Google News Sat, 17 Oct 2026

(SFBC) Price Dynamics and Execution-Aware Positioning - Stock Traders Daily

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Google News Wed, 30 Sep 2026

Sound financial Bancorp CEO Laura Stewart sells $41,391 common stock - Investing.com

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Google News Fri, 07 Jun 2024

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Google News ue, 13 Oct 2026

Sound Financial Bancorp (NASDAQ:SFBC) Stock Breaks Below Two Hundred Day Moving Average - Should You Sell? - MarketBeat

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SFBC — Frequently Asked Questions

What is the current share price of Sound Financial Bancorp, Inc. (SFBC)?

As of 2026-10-23 16:27 PDT, Sound Financial Bancorp, Inc. (SFBC) trades at $44.80 on NasdaqCM. Its 52-week range is $40.67 to $48.90.

What is the market capitalisation of SFBC?

Sound Financial Bancorp, Inc. (SFBC) has a market capitalisation of $115.05M on NasdaqCM.

What is the P/E ratio of SFBC?

SFBC trades at a trailing price-to-earnings (P/E) ratio of 14.36. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.11.

Does SFBC pay a dividend?

Sound Financial Bancorp, Inc. (SFBC) currently offers a dividend yield of 1.74%.

What is the return on equity (ROE) of SFBC?

SFBC has a return on equity (ROE) of 7.35%.

Is SFBC a good stock to buy?

This page provides a data-driven analysis of Sound Financial Bancorp, Inc. (SFBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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