Sound Financial Bancorp, Inc. (SFBC)
NASDAQ:SFBC
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Sound Financial Bancorp
(NASDAQ:SFBC)
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Rating:67Neutral
Price Target:
$46.00
▲(4.57% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by improved profitability and a conservatively positioned balance sheet, supported by a positive recent operating update and dividend. This is tempered by only modest/uneven growth and moderate returns on equity, while technical signals remain neutral-to-soft with negative MACD and the stock below longer-term moving averages.
Positive Factors
Conservative Balance Sheet
A meaningfully lower debt-to-equity (~0.19 vs ~0.62 in 2022) and steady equity growth create durable financial flexibility. This conservative capital posture reduces solvency risk, supports regulatory capital buffers, and enables opportunistic lending or credit loss absorption over the medium term.
Negative Factors
Modest Growth & Moderate ROE
Returns on equity remain only mid-single digits, well below past peaks, reflecting limited excess profitability. Modest and uneven revenue growth constrains capital accumulation and makes it harder to lift ROE sustainably without either higher margins, faster loan growth, or efficiency gains over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
A meaningfully lower debt-to-equity (~0.19 vs ~0.62 in 2022) and steady equity growth create durable financial flexibility. This conservative capital posture reduces solvency risk, supports regulatory capital buffers, and enables opportunistic lending or credit loss absorption over the medium term.
Read all positive factors
Sound Financial Bancorp (SFBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$109.24M
Dividend Yield1.75%
Average Volume (3M)4.73K
Price to Earnings (P/E)17.8
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-0.09
Enterprise Value/Revenue-0.16
Enterprise Value/Gross Profit-0.26
Enterprise Value/Ebitda-1.03
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
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 | 9.92M | 8.67M | 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 | 137.98M | 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
Negative
43.99
Price Trends
42.72
Negative
42.92
Negative
43.96
Negative
Market Momentum
-0.19
Negative
43.17
Neutral
33.64
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 43.99 is above the 20-day moving average (MA) of 41.81, above the 50-day MA of 42.72, and above the 200-day MA of 43.96, indicating a bearish trend. The MACD of -0.19 indicates Negative momentum. The RSI at 43.17 is Neutral, neither overbought nor oversold. The STOCH value of 33.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | $136.61M | 7.61 | 11.60% | 2.69% | 12.40% | 50.07% | |
70 Outperform | $137.07M | 14.85 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $109.24M | 17.77 | 6.70% | 1.75% | 0.38% | 50.01% | |
66 Neutral | $133.14M | 35.16 | 2.44% | 0.88% | 15.21% | 2015.08% | |
59 Neutral | $107.51M | 9.35 | 14.94% | 6.08% | 11.40% | 29.64% | |
54 Neutral | $108.88M | 37.94 | 1.50% | ― | 23.30% | ― |
* Financial Sector Average
SFBC
Sound Financial Bancorp
41.52
-8.36
-16.76%
SBFG
SB Financial Group
21.50
2.58
13.62%
UNB
Union Bankshares
23.12
-6.04
-20.72%
AFBI
Affinity Bancshares
22.50
3.93
21.16%
BSBK
Bogota Financial
8.50
1.50
21.43%
SRBK
SR Bancorp, Inc.
18.29
5.22
39.89%
Sound Financial Bancorp Corporate Events
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.