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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 - $49.21
Previous Close$45.11
Volume1.94K
Average Volume (3M)4.73K
Market Cap
$121.49M
Enterprise Value$1.85
Total Cash (Recent Filing)$134.52M
Total Debt (Recent Filing)$14.03M
Price to Earnings (P/E)15.1
Beta0.13
Next Earnings
Oct 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.73%
Share Statistics
EPS (TTM)3.14
Shares Outstanding2,568,043
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 Leverage / Balance Sheet ResilienceVery low debt-to-equity (~0.10) and shrinking total debt improve capital resilience and regulatory flexibility. Persistent equity growth provides a durable buffer against credit losses, supports lending capacity and lowers refinancing risk over the next several quarters.
Healthy Cash Generation And FCF GrowthStrong cash conversion with operating cash roughly matching net income and FCF up ~10% gives recurring capacity to fund dividends, loan originations and capital needs. Reliable cash generation reduces reliance on external funding and supports medium-term strategic choices.
Improving NII And Sustained DividendHigher net interest income and margin in Q2 and a declared cash dividend show operational improvement and disciplined capital allocation. Repaying FHLB advances and managing deposit mix indicate structural steps to sustain net interest margins and shareholder returns.
Bears Say
Significant Revenue DeclineA ~20% TTM top-line decline reduces business scale and limits ability to invest in growth or technology. If sustained it forces greater dependence on cost cuts or noninterest income, constraining durable revenue diversification and long-term margin recovery.
Rising Nonperforming Loans (credit Risk)Increases in nonperforming loans raise provisioning needs and curtail net income durability. Elevated credit stress can restrict new lending, tie up capital cushions and create regulatory scrutiny—an enduring headwind over multiple quarters if asset quality does not stabilize.
Margin Compression Vs Prior-cycle HighsProfitability now rests on recent efficiency gains rather than high underlying margins. Compression versus prior-cycle peaks leaves less buffer for shocks and makes sustained ROE improvement contingent on either revenue recovery or permanent higher yields.
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 $49.21 in the past 12 months.
What is Sound Financial Bancorp, Inc.’s market cap?
Sound Financial Bancorp, Inc.’s market cap is $121.49M.
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 64 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 $0.976 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 1.73%. 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 2,568,043 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 $0.976 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
Neutral
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-16.00%
12-Months-Change
Fundamentals
Return on Equity
1.73%
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
Ownership Overview
6.36% Insiders
7.43% Mutual Funds
25.60% Other Institutional Investors
56.18% Public Companies and
Individual Investors