What is Sound Financial Bancorp, Inc.'s (SFBC) StockRank?

MoatMap's StockRank for Sound Financial Bancorp, Inc. (SFBC) is 64/100, with a Hold signal. This is a composite score combining Quality (47), Value (43), and Momentum (69) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Sound Financial Bancorp, Inc. have an economic moat?

Sound Financial Bancorp, Inc. (SFBC) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Sound Financial Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Sound Financial Bancorp, Inc. (SFBC) is Hold, based on a StockRank of 64/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Sound Financial Bancorp, Inc. in?

Sound Financial Bancorp, Inc. (SFBC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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SFBC

HoldHot Air

Sound Financial Bancorp, Inc. · Financial Services · United States · $120M · Avg Vol: $523K/d

StockRank

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P/E (TTM)

15.3x

ROE

7.3%

D/E

0.2x

Dividend %

1.7%

COMPANY DESCRIPTION

Sound Financial Bancorp, Inc. is the holding company for Sound Community Bank, which provides comprehensive banking services to individuals and businesses within Washington State's Puget Sound region. The bank's competitive advantage lies in its strong community focus, personalized customer service, and deep local market expertise, fostering robust client relationships and stable deposit growth.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM
Revenue	37.3M	39.9M	38.8M	35.7M	38.9M	1.0%	40.3M
EPS	3.50	3.41	3.13	1.94	3.01	-3.7%	3.12
Shares	2.6M	2.6M	2.4M	2.4M	2.4M	-8.9%	2.6M
Debt	17.9M	60.1M	56.5M	40.8M	21.5M	4.7%	10.9M
Equity	93.4M	97.7M	100.7M	103.7M	109.4M	4.0%	—
Op CF	19.1M	10.1M	6.9M	2.9M	7.2M	-21.7%	7.5M
Inv CF	-78.1M	-183.8M	-26.3M	-3.9M	-2.5M	—	—
Fin CF	48.8M	48.0M	11.3M	-5.0M	90.2M	—	—

Loading 1Y...

PRICE (1Y)+1.6%

SMA 50SMA 200

$48.00

RSI (14)

57.6

52W High

$48.99

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.8%*29.8

ROE

7.3%36.4

GP/Assets

3.7%N/A

Op. Margin

29.0%45.4

FCF/Assets

0.6%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.20xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

15.3x37.2

EV/EBITDA

bankN/A

P/FCF

18.1xN/A

P/B

1.1x54.6

P/S

3.0x60.6

Div Yield

1.7%19.4

Momentum

52W High %

98%90.4

RS 6M

3%59.0

SMA 50/200

1.06x59.8

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

23%55.3

FUNDAMENTALS

Market Cap

$120M

P/E (Forward)

—

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SFBC are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
SFBC	Sound Financial Bancorp, Inc.(you)	$120M	64	Hold
PBHC	Pathfinder Bancorp, Inc.	$101M	63	Hold
PROV	Provident Financial Holdings, Inc.	$115M	59	Hold
UNB	Union Bankshares, Inc.	$117M	71	Buy
UBCP	United Bancorp, Inc.	$90M	61	Hold
EBMT	Eagle Bancorp Montana, Inc.	$181M	63	Hold
MNSB	MainStreet Bancshares, Inc.	$179M	66	Buy
CPBI	Central Plains Bancshares, Inc.	$82M	67	Buy
LSBK	Lake Shore Bancorp, Inc.	$135M	74	Buy
EFSI	Eagle Financial Services, Inc.	$225M	64	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Sound Financial Bancorp, Inc. (SFBC): Stock Score Summary

Sound Financial Bancorp, Inc. (SFBC) has a MoatMap StockRank of 64/100 based on Quality (47/100), Value (43/100), and Momentum (69/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$48.00
Market Cap	$120M
P/E (TTM)	15.30
Price/Book	1.09
Return on Equity	7.3%
Debt/Equity	0.20x
Operating Margin	29.0%
Revenue Growth	10.2%
Dividend Yield	1.7%
Free Cash Flow	$7M

Sound Financial Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Sound Financial Bancorp, Inc.’s (SFBC) StockRank?: MoatMap’s StockRank for Sound Financial Bancorp, Inc. (SFBC) is 64/100, with a Hold signal. It is a composite of Quality (47), Value (43), and Momentum (69) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Sound Financial Bancorp, Inc. have an economic moat?: Sound Financial Bancorp, Inc. (SFBC) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Sound Financial Bancorp, Inc. a buy, hold, or sell?: MoatMap’s current signal for Sound Financial Bancorp, Inc. (SFBC) is Hold, based on a StockRank of 64/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Sound Financial Bancorp, Inc. in?: Sound Financial Bancorp, Inc. (SFBC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).