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Sound Financial Bancorp
(NASDAQ:SFBC)
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Rating:70Outperform
Price Target:
$49.00
▲(8.74% Upside)
Action:Upgraded
Date:07/30/26
SFBC scores solidly on financial performance, led by a stronger balance sheet (lower leverage) and improved profitability versus the prior-year trough, though returns and growth are still moderate and cash flow growth has been choppy. Technicals are neutral-to-mixed with short-term weakness versus the 20-day average but support above longer-term averages. Valuation is reasonable (mid-teens P/E) with a modest dividend yield.
Positive Factors
Conservative balance sheet / low leverage
Leverage has fallen materially from ~0.62 in 2022 to ~0.19 TTM, giving the bank a durable capital cushion. Lower debt and growing equity improve loss-absorption, regulatory flexibility and the ability to fund loan growth or return capital without risking solvency.
Negative Factors
Moderate returns on equity
A mid-single-digit ROE indicates limited capital efficiency versus historical peaks. Persistently moderate returns constrain internal capital generation and make it harder to meet investor return expectations without either higher leverage, faster loan growth, or improved margins.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet / low leverage
Leverage has fallen materially from ~0.62 in 2022 to ~0.19 TTM, giving the bank a durable capital cushion. Lower debt and growing equity improve loss-absorption, regulatory flexibility and the ability to fund loan growth or return capital without risking solvency.
Read all positive factors
Sound Financial Bancorp (SFBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$121.20M
Dividend Yield1.69%
Average Volume (3M)4.73K
Price to Earnings (P/E)15.0
Beta (1Y)0.15
Revenue Growth-0.54%
EPS Growth27.58%
CountryUS
Employees122
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.14
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<0.01
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
Sound Financial Bancorp Business Overview & Revenue Model
Company Description
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 depo...
How the Company Makes Money
SFBC makes money primarily through its banking subsidiary by earning interest and fees from financial products and services. The largest revenue driver for community banks is typically net interest income: the bank pays interest on deposits and ot...
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 | 62.12M | 61.62M | 62.06M | 55.60M | 44.38M | 41.22M |
| Gross Profit | 39.36M | 38.86M | 35.69M | 39.12M | 38.72M | 36.84M |
| EBITDA | 12.06M | 10.18M | 7.22M | 10.65M | 12.47M | 13.02M |
| Net Income | 8.04M | 7.16M | 4.64M | 7.44M | 8.80M | 9.16M |
Balance Sheet | ||||||
| Total Assets | 1.07B | 1.09B | 993.63M | 995.22M | 976.35M | 919.69M |
| Cash, Cash Equivalents and Short-Term Investments | 134.52M | 140.82M | 51.43M | 57.98M | 68.04M | 192.01M |
| Total Debt | 10.93M | 21.47M | 40.77M | 56.54M | 60.12M | 17.88M |
| Total Liabilities | 953.16M | 982.77M | 889.97M | 894.57M | 878.65M | 826.33M |
| Stockholders Equity | 112.57M | 109.40M | 103.67M | 100.65M | 97.70M | 93.36M |
Cash Flow | ||||||
| Free Cash Flow | 7.24M | 6.99M | 2.86M | 6.44M | 9.66M | 18.85M |
| Operating Cash Flow | 7.31M | 7.16M | 2.93M | 6.89M | 10.05M | 19.07M |
| Investing Cash Flow | -20.40M | -2.50M | -3.94M | -26.32M | -183.79M | -78.11M |
| Financing Cash Flow | 48.53M | 90.15M | -5.04M | 11.29M | 47.98M | 48.80M |
Sound Financial Bancorp Technical Analysis
Positive
45.06
Price Trends
43.93
Positive
43.32
Positive
43.45
Positive
Market Momentum
0.71
Negative
62.63
Neutral
93.13
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFBC, the sentiment is Positive. The current price of 45.06 is below the 20-day moving average (MA) of 45.53, above the 50-day MA of 43.93, and above the 200-day MA of 43.45, indicating a bullish trend. The MACD of 0.71 indicates Negative momentum. The RSI at 62.63 is Neutral, neither overbought nor oversold. The STOCH value of 93.13 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $164.91M | 9.81 | 11.79% | 2.42% | 9.40% | 46.37% | |
70 Outperform | $121.20M | 15.04 | 7.31% | 1.78% | -0.54% | 27.58% | |
69 Neutral | $140.18M | 16.31 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $143.49M | 43.61 | 1.80% | 1.10% | 6.46% | 1.90% | |
59 Neutral | $106.26M | 8.82 | 2.69% | 5.81% | 7.05% | 28.58% | |
54 Neutral | $116.33M | 43.10 | 1.47% | ― | 21.45% | ― |
* Financial Sector Average
SFBC
Sound Financial Bancorp
47.44
1.43
3.11%
SBFG
SB Financial Group
26.28
6.61
33.60%
UNB
Union Bankshares
23.50
-1.77
-7.02%
AFBI
Affinity Bancshares
23.00
4.24
22.60%
BSBK
Bogota Financial
9.00
0.58
6.89%
SRBK
SR Bancorp, Inc.
19.69
5.84
42.13%
Sound Financial Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Sound Financial Bancorp Posts Strong Q2 Results, Declares Dividend
Positive
Jul 29, 2026
On July 28, 2026, Sound Financial Bancorp reported that second-quarter 2026 net income rose to $2.5 million, or $0.98 per diluted share, up from both the prior quarter and the same period in 2025, supported by higher net interest income, a stronge...
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 ...
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.