Sound Financial Bancorp (SFBC) AI Stock Analysis

• Market Cap: $120.89M
• Dividend Yield: 1.61%
• Average Volume (3M): 17.00K
• Price to Earnings (P/E): 24.2
• Beta (1Y): 0.18
• Revenue Growth: 8.04%
• EPS Growth: -16.23%
• Country: US
• Employees: 108
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 2,566,069
• 10 Day Avg. Volume: 42,486
• 30 Day Avg. Volume: 16,997
• PEG Ratio: -2.92
• Price to Book (P/B): 1.04
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.49
• Enterprise Value/Market Cap: 0.86
• Enterprise Value/Revenue: 0.57
• Enterprise Value/Gross Profit: 3.99
• Enterprise Value/Ebitda: 13.58
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 62 Neutral
• Price Target: $47.00 ▼(-0.38%Downside)

Sound Financial Bancorp's strong financial performance is the most significant factor, showcasing solid revenue growth and stable profitability. However, technical indicators show bearish signals, impacting the overall score. The stock appears to be overvalued based on its P/E ratio, though it offers a modest dividend yield.

Sound Financial Bancorp Business Overview & Revenue Model

Company Description

Sound Financial Bancorp (SFBC) is a bank holding company primarily operating through its subsidiary, Sound Community Bank. Headquartered in Seattle, Washington, the company provides a range of banking products and services to individual and business customers. These include deposit accounts, mortgage lending, consumer and commercial loans, and other financial services aimed at facilitating financial growth and stability for its clientele.

How the Company Makes Money

Sound Financial Bancorp generates revenue mainly through the interest earned on loans it provides to consumers and businesses. This includes mortgages, personal loans, and commercial lending. The company also earns income from fees associated with banking services such as account maintenance, transaction fees, and other service-related charges. Additional revenue is derived from investment securities and other investment activities. Sound Financial Bancorp's profitability is influenced by its ability to manage interest rate spreads and maintain a strong loan portfolio. The company may also engage in strategic partnerships to enhance its service offerings and expand its market reach.

Sound Financial Bancorp Financial Statement Overview

Summary

Overall, Sound Financial Bancorp exhibits financial stability with a strong equity base and improved net profit margins. However, challenges in revenue growth and operating cash flow indicate areas for attention. The company demonstrates prudent financial management, but future growth may require strategic initiatives.

Income Statement

The income statement shows a stable revenue base, though a significant drop in 2024 compared to 2023. The net profit margin improved substantially in 2024, indicating strong cost management. However, EBIT and EBITDA margins are unavailable for 2024, limiting a complete assessment.

Balance Sheet

Sound Financial Bancorp maintains a strong equity position with a low debt-to-equity ratio. The equity ratio suggests a solid asset base supported by equity. The company has consistently increased its stockholders' equity, improving financial stability.

Cash Flow

Cash flow analysis reveals fluctuations with a decline in operating cash flow in 2024. Free cash flow remains positive, though its growth has slowed, indicating potential challenges in sustaining cash generation.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.66M	50.61M	39.88M	37.25M	34.93M
Gross Profit	35.69M	50.61M	39.88M	37.25M	34.93M
EBITDA	0.00	10.65M	12.47M	13.02M	13.15M
Net Income	4.64M	7.44M	8.80M	9.16M	8.94M
Balance Sheet
Total Assets	993.63M	995.22M	976.35M	919.69M	861.40M
Cash, Cash Equivalents and Short-Term Investments	51.43M	49.69M	68.04M	192.01M	204.05M
Total Debt	40.77M	56.54M	60.12M	17.88M	18.73M
Total Liabilities	889.97M	894.57M	878.65M	826.33M	775.92M
Stockholders Equity	103.67M	100.65M	97.70M	93.36M	85.48M
Cash Flow
Free Cash Flow	2.86M	6.44M	9.66M	18.85M	-891.00K
Operating Cash Flow	2.93M	6.89M	10.05M	19.07M	-484.00K
Investing Cash Flow	-3.94M	-26.32M	-185.57M	-77.94M	4.50M
Financing Cash Flow	-5.04M	11.29M	49.77M	48.63M	134.05M

Sound Financial Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 47.18
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFBC, the sentiment is Negative. The current price of 47.18 is below the 20-day moving average (MA) of 47.76, below the 50-day MA of 49.42, and below the 200-day MA of 51.50, indicating a bearish trend. The MACD of -0.87 indicates Negative momentum. The RSI at 43.66 is Neutral, neither overbought nor oversold. The STOCH value of 65.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SFBC.

Sound Financial Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UBFO	74 Outperform	$158.68M	11.75	10.35%	5.29%	0.16%	-25.67%
CFBK	73 Outperform	$156.82M	10.65	8.65%	1.16%	5.51%	-5.63%
EBMT	72 Outperform	$138.13M	12.26	6.42%	3.28%	6.51%	27.04%
CZWI	69 Neutral	$147.14M	11.64	7.29%	2.49%	-1.15%	-1.80%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%
UNB	62 Neutral	$128.62M	14.59	13.21%	5.25%	13.60%	-17.65%
SFBC	62 Neutral	$120.89M	24.22	4.90%	1.61%	8.04%	-16.23%

Sound Financial Bancorp Corporate Events

Sound Financial Bancorp Holds Annual Shareholder Meeting

Sound Financial Bancorp, Inc. held its annual meeting of shareholders on May 27, 2025. During the meeting, shareholders approved the election of three directors, Tyler K. Myers, Robert F. Carney, and James E. Sweeney, for terms expiring in 2028. Additionally, an advisory vote on executive compensation was approved, and Moss Adams, LLP was ratified as the independent registered public accounting firm for the year ending December 31, 2025.