Sound Financial Bancorp, Inc. (SFBC)
NASDAQ:SFBC
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 - $51.99
Previous CloseN/A
Volume246.00
Average Volume (3M)4.73K
Market Cap
$112.24M
Enterprise Value-$1.07M
Total Cash (Recent Filing)$146.15M
Total Debt (Recent Filing)$25.14M
Price to Earnings (P/E)12.4
Beta0.15
Next Earnings
Apr 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.75%
Share Statistics
EPS (TTM)0.87
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-0.02
Enterprise Value/Gross Profit-0.03
Enterprise Value/Ebitda-0.11
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
Stronger Leverage & CapitalMaterial deleveraging and steady equity growth improve capital adequacy and regulatory flexibility, reducing solvency and liquidity risk. A lower debt-to-equity ratio supports lending capacity, dividend sustainability, and reserves for credit stress, strengthening the bank's structural financial resilience.
Improved Cash GenerationA marked rebound in operating and free cash flow that converts earnings into cash supports internal funding for loans, dividends, and debt paydown. Consistent cash conversion enhances financial flexibility and lowers refinancing risk, though prior multi-year volatility warrants monitoring.
Deposit Growth & Liquidity BufferSustained deposit inflows and a well-capitalized designation provide a stable, low-cost funding base and liquidity headroom to support loan growth and portfolio management. The board's dividend increase further signals management confidence in durable funding and capital strength.
Bears Say
Flat/inconsistent Revenue GrowthStagnant top-line limits the bank's ability to scale operating leverage and build sustainable earnings power. Reliance on expense control and balance sheet tweaks to drive profits can mask underlying franchise growth weaknesses and constrain long-term return improvement.
Rising Nonperforming LoansA sharp sequential increase in nonperforming loans elevates credit risk and could require higher provisions, pressuring future earnings and capital if trends persist. Even if loans are well secured, rising NPAs signal underwriting or sector stress that can blunt sustainable loan growth.
Lower Margins & Moderate ReturnsTrailing margin and return contraction versus prior cycles indicate the franchise faces structural pressure on profitability. Persistently lower ROE reduces organic capital formation and limits strategic reinvestment or dividend growth, constraining long-term competitive positioning.
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 $51.99 in the past 12 months.
What is Sound Financial Bancorp, Inc.’s market cap?
Sound Financial Bancorp, Inc.’s market cap is $112.24M.
When is Sound Financial Bancorp, Inc.’s upcoming earnings report date?
Sound Financial Bancorp, Inc.’s upcoming earnings report date is Apr 28, 2026 which is in 33 days.
How were Sound Financial Bancorp, Inc.’s earnings last quarter?
Sound Financial Bancorp, Inc. released its earnings results on Jan 27, 2026. The company reported $0.868 earnings per share for the quarter, beating the consensus estimate of N/A by $0.868.
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 $0.868 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.046%.
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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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
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
3.19% Insiders
4.40% Mutual Funds
24.75% Other Institutional Investors
63.62% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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