Sound Financial Bancorp (SFBC) AI Stock Analysis

• Market Cap: $128.05M
• Dividend Yield: 1.52%
• Average Volume (3M): 4.12K
• Price to Earnings (P/E): 25.7
• Beta (1Y): 0.11
• Revenue Growth: 8.04%
• EPS Growth: -16.15%
• Country: US
• Employees: 108
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 2,566,069
• 10 Day Avg. Volume: 4,571
• 30 Day Avg. Volume: 4,123
• 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: 0.81
• 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: 68 Neutral
• Price Target: ―

Sound Financial Bancorp shows strong financial stability with a solid equity base, though revenue growth and cash flow present challenges. Positive technical indicators suggest potential upward movement in the short term, but the high P/E ratio raises concerns about valuation. The absence of recent earnings call and corporate events data means the score heavily relies on financial performance and technical analysis.

Sound Financial Bancorp Business Overview & Revenue Model

Company Description

Sound Financial Bancorp (SFBC) is a financial holding company headquartered in Seattle, Washington. It operates through its subsidiary, Sound Community Bank, which provides a range of financial services to individuals and businesses. The company focuses on offering community-based financial solutions, including personal and business banking, mortgage and consumer loans, and investment services. SFBC is committed to delivering personalized service and tailored financial products to meet the diverse needs of its clients.

How the Company Makes Money

Sound Financial Bancorp generates revenue primarily through the interest income from its lending activities, including residential and commercial real estate loans, consumer loans, and business loans. The bank also earns non-interest income from fees and service charges associated with deposit accounts, loan servicing, and other banking services. Additionally, SFBC benefits from investment income derived from its securities portfolio. The company's earnings are supported by its strategic focus on maintaining strong customer relationships and expanding its market presence through community engagement and targeted financial solutions.

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
	EBIT
5.65M	10.65M	14.74M	11.43M	11.33M
	EBITDA
0.00	10.65M	12.47M	13.02M	13.15M
	Net Income Common Stockholders
4.64M	7.44M	8.80M	9.16M	8.94M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
51.43M	49.69M	68.04M	192.01M	204.05M
	Total Assets
993.63M	995.22M	976.35M	919.69M	861.40M
	Total Debt
40.77M	56.54M	60.12M	17.88M	18.73M
	Net Debt
-2.87M	6.85M	2.29M	-165.71M	-175.10M
	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: 49.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 49.4 is below the 20-day moving average (MA) of 50.22, below the 50-day MA of 50.28, and below the 200-day MA of 51.91, indicating a bearish trend. The MACD of -0.23 indicates Positive momentum. The RSI at 39.14 is Neutral, neither overbought nor oversold. The STOCH value of 21.94 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
EBMT	74 Outperform	$133.28M	11.83	6.42%	3.40%	9.50%	27.04%
UBFO	68 Neutral	$149.59M	11.08	10.35%	5.61%	0.16%	-25.67%
SFBC	68 Neutral	$128.05M	25.65	4.90%	1.52%	8.04%	-16.15%
CFBK	67 Neutral	$153.91M	10.45	8.65%	1.18%	10.13%	-21.30%
UNB	65 Neutral	$128.94M	14.62	13.21%	5.07%	13.23%	-17.70%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
CZWI	54 Neutral	$142.64M	11.28	7.29%	2.52%	-1.01%	-1.81%

Sound Financial Bancorp Corporate Events

Sound Financial Updates Executive Control Agreements

Sound Financial Bancorp, Inc. and its subsidiary Sound Community Bank have updated their change in control agreements for key executives, adjusting terms like ‘Involuntary Termination’ to reflect workplace location changes beyond a 35-mile radius from current workplaces, and standardizing ‘Change in Control’ definitions across agreements. These changes, impacting executives such as Heidi Sexton and Wes Ochs, aim to align with recent agreements made in 2023.