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SFBC

HOLD

Sound Financial Bancorp, Inc. · Financial Services · United States · $107M · Avg Vol: $735K/d

46
StockRank
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Q
46
V
44
M
50
P/E (TTM)
15.8x
ROE
7.0%
D/E
0.2x
Dividend %
1.7%
Dir. Trades · 180d
−$78.1K →
Buybacks · 180d
None →

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)

Year20212022202320242025CAGRTTM
Revenue37.3M39.9M38.8M35.7M38.9M1.0%39.2M
EPS3.503.413.131.943.01-3.7%2.90
Shares2.6M2.6M2.4M2.4M2.4M-8.9%2.4M
Debt17.9M60.1M56.5M40.8M21.5M4.7%21.2M
Equity93.4M97.7M100.7M103.7M109.4M4.0%—
Op CF19.1M10.1M6.9M2.9M7.2M-21.7%6.8M
Inv CF-78.1M-183.8M-26.3M-3.9M-2.5M——
Fin CF48.8M48.0M11.3M-5.0M90.2M——
Loading 1Y...
PRICE (1Y)+3.4%
41.4242.8944.3645.8347.30Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$45.11
RSI (14)
53.7
52W High
$48.17
From 52W High
0.9%

SCORE BREAKDOWN

Quality
46
ROIC (ROA)
0.7%*28.2
ROE
7.0%35.6
GP/Assets
3.6%N/A
Op. Margin
22.0%41.0
FCF/Assets
0.6%N/A
Piotroski
683.6
Int. Cover
—50.0
D/E Ratio
0.20xN/A
Current Ratio
bankN/A
Value
44
P/E (TTM)
15.8x37.6
EV/EBITDA
bankN/A
P/FCF
16.1xN/A
P/B
1.1x55.1
P/S
2.8x66.7
Div Yield
1.7%15.7
Momentum
50
52W High %
94%52.4
RS 6M
-5%44.3
SMA 50/200
1.00x35.0
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
35%67.5

FUNDAMENTALS

Market Cap
$107M
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.

TickerCompanyMkt CapStockRankSignal
SFBCSound Financial Bancorp, Inc.(you)$107M46HOLD
PROVProvident Financial Holdings, Inc.$108M46HOLD
WSBKWinchester Bancorp, Inc.$116M46HOLD
BYFCBroadway Financial Corporation$95M45HOLD
SRBKSR Bancorp, Inc.$142M46HOLD
AFBIAffinity Bancshares, Inc.$140M43HOLD
FSEAFirst Seacoast Bancorp, Inc.$79M48HOLD
CPBICentral Plains Bancshares, Inc.$83M50HOLD
BSBKBogota Financial Corp.$116M37HOLD
PBHCPathfinder Bancorp, Inc.$99M37HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

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

Sound Financial Bancorp, Inc. (SFBC) has a MoatMap StockRank of 46/100 based on Quality (46/100), Value (44/100), and Momentum (50/100) factor scores. The current signal is HOLD.

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.

Key Financial Metrics

Price$45.11
Market Cap$107M
P/E (TTM)15.80
Price/Book1.06
Return on Equity7.0%
Debt/Equity0.20x
Operating Margin22.0%
Revenue Growth4.9%
Dividend Yield1.7%
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 46/100, with a Hold signal. It is a composite of Quality (46), Value (44), and Momentum (50) factor ranks across MoatMap’s 20,000+ stock universe.
Does Sound Financial Bancorp, Inc. have an economic moat?
Sound Financial Bancorp, Inc. (SFBC) has a Quality factor score of 46/100. 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 46/100. 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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