Sound Financial Bancorp, Inc. (SFBC)
NASDAQ:SFBC
Top Page
Sound Financial Bancorp
(NASDAQ:SFBC)
Select Model
Select Model
Rating:65Neutral
Price Target:
$45.00
▲(2.30% Upside)
Action:ReiteratedDate:03/19/26
The score is driven primarily by improved financial performance (stronger profitability, cash flow rebound, and reduced leverage) and supported by reasonable valuation. These positives are tempered by weak technical signals (below key moving averages with negative MACD) and a corporate update that, while positive overall, flagged higher nonperforming loans as a notable risk.
Positive Factors
Stronger leverage & capital
Material 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.
Negative Factors
Flat/inconsistent revenue growth
Stagnant 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Stronger leverage & capital
Material 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.
Read all positive factors
Sound Financial Bancorp (SFBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$116.22M
Dividend Yield1.75%
Average Volume (3M)4.73K
Price to Earnings (P/E)15.6
Beta (1Y)0.13
Revenue Growth2.85%
EPS Growth73.41%
CountryUS
Employees108
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap0.03
Enterprise Value/Revenue0.05
Enterprise Value/Gross Profit0.07
Enterprise Value/Ebitda0.30
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
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
62
Positive
Balance Sheet
76
Positive
Cash Flow
68
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 61.62M | 62.06M | 55.60M | 44.38M | 41.22M |
| Gross Profit | 38.86M | 35.69M | 39.12M | 38.72M | 36.84M |
| EBITDA | 8.67M | 7.22M | 10.65M | 12.47M | 13.02M |
| Net Income | 7.16M | 4.64M | 7.44M | 8.80M | 9.16M |
Balance Sheet | |||||
| Total Assets | 1.09B | 993.63M | 995.22M | 976.35M | 919.69M |
| Cash, Cash Equivalents and Short-Term Investments | 146.15M | 51.43M | 57.98M | 68.04M | 192.01M |
| Total Debt | 25.14M | 40.77M | 56.54M | 60.12M | 17.88M |
| Total Liabilities | 982.77M | 889.97M | 894.57M | 878.65M | 826.33M |
| Stockholders Equity | 109.40M | 103.67M | 100.65M | 97.70M | 93.36M |
Cash Flow | |||||
| Free Cash Flow | 6.99M | 2.86M | 6.44M | 9.66M | 18.85M |
| Operating Cash Flow | 7.16M | 2.93M | 6.89M | 10.05M | 19.07M |
| Investing Cash Flow | -2.50M | -3.94M | -26.32M | -183.79M | -78.11M |
| Financing Cash Flow | 90.15M | -5.04M | 11.29M | 47.98M | 48.80M |
Sound Financial Bancorp Technical Analysis
Positive
43.99
Price Trends
43.13
Positive
43.52
Positive
44.62
Positive
Market Momentum
0.22
Negative
60.91
Neutral
56.27
Neutral
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 43.99 is above the 20-day moving average (MA) of 42.92, above the 50-day MA of 43.13, and below the 200-day MA of 44.62, indicating a bullish trend. The MACD of 0.22 indicates Negative momentum. The RSI at 60.91 is Neutral, neither overbought nor oversold. The STOCH value of 56.27 is Neutral, 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 26 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $135.98M | 14.73 | 6.68% | ― | 5.18% | 36.12% | |
66 Neutral | $140.04M | 10.15 | 10.29% | 2.69% | 10.78% | 21.72% | |
65 Neutral | $116.22M | 15.59 | 6.70% | 1.75% | 2.85% | 73.41% | |
59 Neutral | $135.21M | 35.78 | 1.57% | 0.88% | 9.43% | 166.36% | |
53 Neutral | $112.54M | 9.78 | 14.80% | 6.08% | 14.52% | 27.90% | |
50 Neutral | $110.33M | 51.05 | 1.50% | ― | -15.09% | ― |
* Financial Sector Average
SFBC
Sound Financial Bancorp
45.29
-4.20
-8.48%
SBFG
SB Financial Group
22.22
4.49
25.30%
UNB
Union Bankshares
24.39
-3.26
-11.80%
AFBI
Affinity Bancshares
22.31
4.81
27.49%
BSBK
Bogota Financial
8.54
1.51
21.48%
SRBK
SR Bancorp, Inc.
17.85
5.92
49.61%
Sound Financial Bancorp Corporate Events
Shareholder Meetings
Sound Financial Bancorp Sets 2026 Annual Shareholder Meeting
Neutral
Feb 13, 2026
Sound Financial Bancorp, Inc. is a Seattle-based bank holding company and parent of Sound Community Bank, operating full-service branches in Seattle, Tacoma, Mountlake Terrace, Sequim, Port Angeles, Port Ludlow and University Place. Through Sound ...
Business Operations and StrategyDividendsFinancial Disclosures
Sound Financial Bancorp Posts Strong Q4 Results, Raises Dividend
Positive
Jan 28, 2026
On January 27, 2026, Sound Financial Bancorp reported improved fourth-quarter 2025 results, with net income rising to $2.2 million, or $0.87 per diluted share, up from $1.7 million in the prior quarter and $1.9 million a year earlier, driven large...
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.