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SFBC Stock Chart & Stats
$45.06
$0.05(0.11%)
At close: 4:00 PM EDT
$45.06
$0.05(0.11%)
Day’s Range― - ―
52-Week Range$40.68 - $48.85
Previous Close$45.11
Volume1.94K
Average Volume (3M)4.73K
Market Cap
$121.20M
Enterprise Value$1.85
Total Cash (Recent Filing)$140.27M
Total Debt (Recent Filing)$21.18M
Price to Earnings (P/E)15.0
Beta0.15
Next Earnings
Oct 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.69%
Share Statistics
EPS (TTM)2.96
Shares Outstanding2,566,069
10 Day Avg. Volume4,244
30 Day Avg. Volume4,734
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)1.02
Price to Sales (P/S)1.81
P/FCF Ratio15.96
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet / Low LeverageLeverage has fallen materially from ~0.62 in 2022 to ~0.19 TTM, giving the bank a durable capital cushion. Lower debt and growing equity improve loss-absorption, regulatory flexibility and the ability to fund loan growth or return capital without risking solvency.
Strong Cash ConversionNear-100% conversion of earnings to free cash flow supports sustainable dividend capacity and funds core operations organically. High conversion quality reduces dependence on external funding and provides resilience through economic cycles despite volatile FCF growth trends.
Improving Core Profitability And MarginReported Q2 improvement driven by higher NII, stronger NIM and rising noninterest income points to better earning power from core banking activities. If sustained, margin expansion and fee diversification can lift durable earnings and support capital deployment strategies.
Bears Say
Moderate Returns On EquityA mid-single-digit ROE indicates limited capital efficiency versus historical peaks. Persistently moderate returns constrain internal capital generation and make it harder to meet investor return expectations without either higher leverage, faster loan growth, or improved margins.
Uneven And Modest Revenue GrowthRevenue growth has been tepid and inconsistent, with 2025 showing declines and only ~1% TTM growth. This structural sluggishness limits scaling benefits, reduces operating leverage potential, and makes profit improvement more reliant on margin moves or cost control rather than sustained top-line momentum.
Rising Asset Quality PressuresAn uptick in nonperforming loans can force higher provisions and compress net income over multiple quarters. For a community bank with concentrated lending, persistent NPL increases could require tighter underwriting, slower loan growth, or extra capital, weighing on durable earnings power.
Sound Financial Bancorp News
SFBC FAQ
What was Sound Financial Bancorp, Inc.’s price range in the past 12 months?
Sound Financial Bancorp, Inc. lowest stock price was $40.68 and its highest was $48.84 in the past 12 months.
What is Sound Financial Bancorp, Inc.’s market cap?
Sound Financial Bancorp, Inc.’s market cap is $121.20M.
When is Sound Financial Bancorp, Inc.’s upcoming earnings report date?
Sound Financial Bancorp, Inc.’s upcoming earnings report date is Oct 27, 2026 which is in 86 days.
How were Sound Financial Bancorp, Inc.’s earnings last quarter?
Sound Financial Bancorp, Inc. released its earnings results on Jul 28, 2026. The company reported $0.978 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Sound Financial Bancorp, Inc. overvalued?
According to Wall Street analysts Sound Financial Bancorp, Inc.’s price is currently Overvalued.
Does Sound Financial Bancorp, Inc. pay dividends?
Sound Financial Bancorp, Inc. pays a Quarterly dividend of $0.21 which represents an annual dividend yield of 1.69%. See more information on Sound Financial Bancorp, Inc. dividends here
What is Sound Financial Bancorp, Inc.’s EPS estimate?
Sound Financial Bancorp, Inc.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Sound Financial Bancorp, Inc. have?
Sound Financial Bancorp, Inc. has 2,566,069 shares outstanding.
What happened to Sound Financial Bancorp, Inc.’s price movement after its last earnings report?
Sound Financial Bancorp, Inc. reported an EPS of $0.978 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -0.451%.
Which hedge fund is a major shareholder of Sound Financial Bancorp, Inc.?
Currently, no hedge funds are holding shares in SFBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Sound Financial Bancorp Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Neutral
SFBC Sentiment 100%
Sector Average 57%
Sector Average 57%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-16.00%
12-Months-Change
Fundamentals
Return on Equity
1.69%
Trailing 12-Months
Asset Growth
0.71%
Trailing 12-Months
Company Description
Sound Financial Bancorp, Inc.
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.
Technical Analysis
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Ownership Overview
7.06% Insiders
7.44% Mutual Funds
26.05% Other Institutional Investors
55.02% Public Companies and
Individual Investors