Sound Financial Bancorp, Inc. (SFBC)
NASDAQ:SFBC
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SFBC Stock Chart & Stats
$43.99
$1.48(2.78%)
At close: 4:00 PM EST
$43.99
$1.48(2.78%)
Day’s Range― - ―
52-Week Range$40.68 - $50.69
Previous CloseN/A
Volume246.00
Average Volume (3M)4.73K
Market Cap
$111.09M
Enterprise Value-$9.73M
Total Cash (Recent Filing)$145.50M
Total Debt (Recent Filing)$21.18M
Price to Earnings (P/E)14.1
Beta0.14
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.75%
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-0.09
Enterprise Value/Revenue-0.16
Enterprise Value/Gross Profit-0.25
Enterprise Value/Ebitda-0.98
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 / Lower LeverageMaterial reduction in leverage provides durable financial flexibility and regulatory cushion. Lower debt-to-equity improves resilience to shocks, supports continued lending capacity and capital deployment over months, and reduces refinancing and interest-rate sensitivity risk.
Improving Profitability And Margin ExpansionSustained margin expansion and higher net interest income indicate better core earnings generation. This improvement supports recurring profitability, funds loan loss absorption and dividends, and signals operating improvements that can persist beyond a single quarter.
Strong Deposit Growth And LiquidityConsistent deposit inflows and a lower loan-to-deposit profile strengthen funding stability and liquidity. This durable funding base lowers reliance on wholesale funding, enables selective loan growth, and increases the bank's ability to manage asset-liability mismatches over months.
Bears Say
Modest, Uneven Revenue Growth And Middling ReturnsSluggish and inconsistent top-line growth paired with below-peak returns limits long-term capital productivity. Persistently moderate ROE constrains retained-earnings-driven growth, reduces reinvestment capacity, and may slow recovery to prior profitability norms.
Volatile Cash-flow GrowthHigh earnings-to-cash conversion is positive, but negative and inconsistent cash-flow growth raises uncertainty for sustaining dividends, funding lending, and absorbing shocks. Volatility complicates medium-term planning and capital allocation decisions.
Elevated Credit Provisions And Softer Loan DemandRising nonperforming loans and provisions indicate credit pressure that can persist if economic or rate headwinds continue. Softer loan demand limits core interest-earning growth and may keep margins and asset returns under pressure across several quarters.
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 $50.69 in the past 12 months.
What is Sound Financial Bancorp, Inc.’s market cap?
Sound Financial Bancorp, Inc.’s market cap is $111.09M.
When is Sound Financial Bancorp, Inc.’s upcoming earnings report date?
Sound Financial Bancorp, Inc.’s upcoming earnings report date is Jul 29, 2026 which is in 59 days.
How were Sound Financial Bancorp, Inc.’s earnings last quarter?
Sound Financial Bancorp, Inc. released its earnings results on Apr 28, 2026. The company reported $0.611 earnings per share for the quarter, beating the consensus estimate of N/A by $0.611.
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 $0.19 which represents an annual dividend yield of 1.75%. 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 $0.611 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.413%.
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
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4
5
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7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-16.00%
12-Months-Change
Fundamentals
Return on Equity
6.70%
Trailing 12-Months
Asset Growth
9.92%
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 offers 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. It operates eight branch offices, including four branches in Seattle Metropolitan Statistical Area, three branches in Clallam County, and one branch in Jefferson County; and a loan production office in the Madison Park neighborhood of Seattle. The company was founded in 1953 and is headquartered in Seattle, Washington.
Technical Analysis
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Ownership Overview
6.81% Insiders
7.50% Mutual Funds
26.05% Other Institutional Investors
52.53% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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