Sound Financial Bancorp, Inc. (SFBC)
NASDAQ:SFBC
Want to see SFBC full AI Analyst Report?
Top Page
Sound Financial Bancorp
(NASDAQ:SFBC)
Select Model
Select Model
Rating:68Neutral
Price Target:
$46.00
▲(4.57% Upside)
Action:Reiterated
Date:05/29/26
The score is driven primarily by solid financial performance (improving profitability and lower leverage), supported by generally positive recent company updates. This is tempered by weaker technical signals (below key moving averages with negative MACD) and only moderate valuation/income appeal (P/E ~17.8, ~1.9% yield).
Positive Factors
Conservative balance sheet / lower leverage
Material 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.
Negative Factors
Modest, uneven revenue growth and middling returns
Sluggish 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet / lower leverage
Material 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.
Read all positive factors
Sound Financial Bancorp (SFBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$106.29M
Dividend Yield1.75%
Average Volume (3M)4.73K
Price to Earnings (P/E)14.4
Beta (1Y)0.14
Revenue Growth0.38%
EPS Growth50.01%
CountryUS
Employees108
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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-0.15
Enterprise Value/Revenue-0.25
Enterprise Value/Gross Profit-0.40
Enterprise Value/Ebitda-1.36
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
Sound Financial Bancorp Business Overview & Revenue Model
Company Description
Sound Financial Bancorp, Inc. acts as the parent company for Sound Community Bank, providing a diverse array of banking and financial solutions to individual consumers and businesses alike. Its deposit offerings include savings, money market, NOW,...
How the Company Makes Money
Sound Financial Bancorp primarily makes money through its banking subsidiary by earning interest income on loans and investment securities and paying interest on deposits and other borrowings, with the difference recorded as net interest income. K...
Sound Financial Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 62.25M | 61.62M | 62.06M | 55.60M | 44.38M | 41.22M |
| Gross Profit | 39.38M | 38.86M | 35.69M | 39.12M | 38.72M | 36.84M |
| EBITDA | 11.56M | 10.18M | 7.22M | 10.65M | 12.47M | 13.02M |
| Net Income | 7.57M | 7.16M | 4.64M | 7.44M | 8.80M | 9.16M |
Balance Sheet | ||||||
| Total Assets | 1.11B | 1.09B | 993.63M | 995.22M | 976.35M | 919.69M |
| Cash, Cash Equivalents and Short-Term Investments | 145.50M | 140.82M | 51.43M | 57.98M | 68.04M | 192.01M |
| Total Debt | 21.18M | 21.47M | 40.77M | 56.54M | 60.12M | 17.88M |
| Total Liabilities | 1.00B | 982.77M | 889.97M | 894.57M | 878.65M | 826.33M |
| Stockholders Equity | 110.41M | 109.40M | 103.67M | 100.65M | 97.70M | 93.36M |
Cash Flow | ||||||
| Free Cash Flow | 6.72M | 6.99M | 2.86M | 6.44M | 9.66M | 18.85M |
| Operating Cash Flow | 6.81M | 7.16M | 2.93M | 6.89M | 10.05M | 19.07M |
| Investing Cash Flow | -37.48M | -2.50M | -3.94M | -26.32M | -183.79M | -78.11M |
| Financing Cash Flow | 37.16M | 90.15M | -5.04M | 11.29M | 47.98M | 48.80M |
Sound Financial Bancorp Technical Analysis
Neutral
43.99
Price Trends
42.56
Negative
42.73
Negative
43.58
Negative
Market Momentum
0.06
Negative
51.10
Neutral
35.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFBC, the sentiment is Neutral. The current price of 43.99 is above the 20-day moving average (MA) of 42.22, above the 50-day MA of 42.56, and above the 200-day MA of 43.58, indicating a neutral trend. The MACD of 0.06 indicates Negative momentum. The RSI at 51.10 is Neutral, neither overbought nor oversold. The STOCH value of 35.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SFBC.
Sound Financial Bancorp Risk Analysis
Sound Financial Bancorp disclosed 28 risk factors in its most recent earnings report. Sound Financial Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Sound Financial Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $140.12M | 8.70 | 11.60% | 2.69% | 12.40% | 50.07% | |
70 Outperform | $137.07M | 15.61 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $106.29M | 14.38 | 6.99% | 1.75% | 0.38% | 50.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $139.16M | 30.14 | 2.44% | 0.88% | 15.21% | 2015.08% | |
59 Neutral | $108.80M | 9.39 | 14.94% | 6.08% | 11.40% | 29.64% | |
54 Neutral | $117.10M | 55.41 | 1.47% | ― | 23.30% | ― |
* Financial Sector Average
SFBC
Sound Financial Bancorp
42.48
-4.02
-8.64%
SBFG
SB Financial Group
22.51
5.64
33.42%
UNB
Union Bankshares
23.60
-1.85
-7.26%
AFBI
Affinity Bancshares
22.50
4.12
22.42%
BSBK
Bogota Financial
9.08
1.42
18.54%
SRBK
SR Bancorp, Inc.
18.88
6.02
46.83%
Sound Financial Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Sound Financial Bancorp Shareholders Back Board and Governance
Positive
May 28, 2026
On May 26, 2026, Sound Financial Bancorp, Inc. held its annual shareholders meeting, where investors voted on three key corporate governance proposals. Shareholders elected directors David S. Haddad, Jr. and Laura Lee Stewart to terms expiring in ...
Business Operations and StrategyDividendsFinancial Disclosures
Sound Financial Bancorp Posts Solid Q1 2026 Results
Positive
Apr 28, 2026
Sound Financial Bancorp reported first-quarter 2026 net income of $1.6 million, or $0.61 per diluted share, down from $2.2 million in the prior quarter but up from $1.2 million a year earlier, supported by higher net interest income and margin exp...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.