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Sound Financial Bancorp, Inc. (SFBC)

NASDAQ: SFBC · USD

$45.0

+0.77 (+1.7%)· Recorded snapshot

Market cap	115.2M
Revenue (ttm)	41.4M
Net income (ttm)	8.6M
EPS (ttm)	$3.35
Shares out	2.6M
P/E (trailing)	13.4x
Dividend	$0.84 (1.87%)
Volume	1,510.64
Beta	0.02

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35B	8.8x	1.9x	15.9%	+15.1%	+24.9%	Strong Buy
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	Strong Buy
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	Hold

Metric	Value
Amount currency	USD
CIK code	0001541119
Company name	Sound Financial Bancorp, Inc.
Country	United States
Country code	US
CUSIP number	83607A100
Earnings date	2026-10-27
Earnings time	amc
Employees	122
Employees change	-1
Employees growth	-0.81%
Enterprise value	$11.1M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1953
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US83607A1007
Last 10-K release date	2026-03-18
Last earnings date	2026-10-27
Last refreshed	2026-11-04
Last stock split type	Never
Market cap	$115.2M
Market cap category	Micro-Cap
Next earnings date	2027-01-26
Options	No
Price	$45.00
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-11-03
Symbol	SFBC
U.S. state	Washington
Website	https://www.soundcb.com

Metric

Value

Amount currency

USD

CIK code

0001541119

Company name

Sound Financial Bancorp, Inc.

Country

United States

Country code

CUSIP number

83607A100

Earnings date

2026-10-27

Earnings time

amc

Employees

122

Employees change

-1

Employees growth

-0.81%

Enterprise value

$11.1M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-05-09

Fiscal year end

December

Founded

1953

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US83607A1007

Last 10-K release date

2026-03-18

Last earnings date

2026-10-27

Last refreshed

2026-11-04

Last stock split type

Never

Market cap

$115.2M

Market cap category

Micro-Cap

Next earnings date

2027-01-26

Options

Price

$45.00

Price currency

USD

Sector

Financials

SIC code

6035

Stock price date

2026-11-03

Symbol

SFBC

U.S. state

Washington

Website

https://www.soundcb.com

Metric	Value
Average P/E ratio (10Y)	14.61x
Average P/E ratio (3Y)	20.13x
Average P/E ratio (5Y)	16.67x
Earnings yield	7.44%
EV/Earnings	1.29x
EV/FCF	1.52x
EV/Sales	0.27x
FCF / EV yield	65.91%
FCF yield	6.37%
Graham number	57.90637
Graham upside	28.68%
Industry forward P/E	9.86x
Industry P/E	11.68x
Lynch fair value	$16.73
Lynch upside	-62.81%
P/B ratio	1.01x
P/E ratio	13.45x
P/FCF ratio	15.71x
P/OCF ratio	15.3x
P/S ratio	2.78x
Price / tangible book value	1.01x
Sector forward P/E	13.72x
Sector P/E	15.79x

Metric

Value

Average P/E ratio (10Y)

14.61x

Average P/E ratio (3Y)

20.13x

Average P/E ratio (5Y)

16.67x

Earnings yield

7.44%

EV/Earnings

1.29x

EV/FCF

1.52x

EV/Sales

0.27x

FCF / EV yield

65.91%

FCF yield

6.37%

Graham number

57.90637

Graham upside

28.68%

Industry forward P/E

9.86x

Industry P/E

11.68x

Lynch fair value

$16.73

Lynch upside

-62.81%

P/B ratio

1.01x

P/E ratio

13.45x

P/FCF ratio

15.71x

P/OCF ratio

15.3x

P/S ratio

2.78x

Price / tangible book value

1.01x

Sector forward P/E

13.72x

Sector P/E

15.79x

Metric	Value
Effective tax rate	18.03%
FCF margin	18.22%
Operating margin	26.76%
Pretax margin	25.5%
Profit margin	20.91%
Profit per employee	$70,738
Profitable quarters	62
Profitable years	16
Revenue per employee	$339,410
ROA	0.82%
ROA (5Y)	0.77%
ROE	7.82%
ROE (5Y)	7.64%
Tax / revenue	4.6%

Metric

Value

Effective tax rate

18.03%

FCF margin

18.22%

Operating margin

26.76%

Pretax margin

25.5%

Profit margin

20.91%

Profit per employee

$70,738

Profitable quarters

Profitable years

Revenue per employee

$339,410

ROA

0.82%

ROA (5Y)

0.77%

ROE

7.82%

ROE (5Y)

7.64%

Tax / revenue

4.6%

Metric	Value
EPS growth	26.39%
EPS growth (Q)	36.36%
EPS growth (QoQ)	-8.16%
EPS growth 10Y	5.5%
EPS growth 3Y	-1.61%
EPS growth 5Y	-3.91%
EPS growth quarters	7
EPS growth years	1
FCF growth	57.48%
FCF growth 3Y	7.27%
FCF growth 5Y	-14.63%
Net income growth	26.66%
Net income growth (Q)	36.99%
Net income growth (QoQ)	-7.64%
Net income growth 3Y	-1.72%
Net income growth 5Y	-4.34%
Net income growth quarters	7
Net income growth years	1
OCF growth	57.38%
OCF growth 10Y	0.24%
OCF growth 3Y	5.94%
OCF growth 5Y	-14.31%
Revenue growth	6.97%
Revenue growth (Q)	11.72%
Revenue growth (QoQ)	-2.95%
Revenue growth 10Y	4.7%
Revenue growth 3Y	0.25%
Revenue growth 5Y	1.78%
Revenue growth quarters	7
Revenue growth years	1

Metric

Value

EPS growth

26.39%

EPS growth (Q)

36.36%

EPS growth (QoQ)

-8.16%

EPS growth 10Y

5.5%

EPS growth 3Y

-1.61%

EPS growth 5Y

-3.91%

EPS growth quarters

EPS growth years

FCF growth

57.48%

FCF growth 3Y

7.27%

FCF growth 5Y

-14.63%

Net income growth

26.66%

Net income growth (Q)

36.99%

Net income growth (QoQ)

-7.64%

Net income growth 3Y

-1.72%

Net income growth 5Y

-4.34%

Net income growth quarters

Net income growth years

OCF growth

57.38%

OCF growth 10Y

0.24%

OCF growth 3Y

5.94%

OCF growth 5Y

-14.31%

Revenue growth

6.97%

Revenue growth (Q)

11.72%

Revenue growth (QoQ)

-2.95%

Revenue growth 10Y

4.7%

Revenue growth 3Y

0.25%

Revenue growth 5Y

1.78%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-198,000
EPS	$3.35
FCF per share	$2.86
Financing cash flow	$374,000
Free cash flow	$7.3M
Gross profit	$41.4M
Income taxes	$1.9M
Investing cash flow	$9.6M
Net borrowing	$-29M
Net cash flow	$17.5M
Net income	$8.6M
Operating income	$11.1M
Revenue	$41.4M

Metric

Value

Capital expenditures

$-198,000

EPS

$3.35

FCF per share

$2.86

Financing cash flow

$374,000

Free cash flow

$7.3M

Gross profit

$41.4M

Income taxes

$1.9M

Investing cash flow

$9.6M

Net borrowing

$-29M

Net cash flow

$17.5M

Net income

$8.6M

Operating income

$11.1M

Revenue

$41.4M

Metric	Value
Book value per share	$44.53
Debt / equity	0.08
Debt / FCF	1.18
Net cash (debt)	$104.1M
Net cash / market cap	90.34%
Net cash growth	72.26%
Net debt / equity	-0.91
Net debt / FCF	-14.19
Piotroski F-Score	3
Property, plant and equipment	$6.7M
Shareholders' equity	$114M
Tangible book value	$114M
Tangible book value per share	$44.53
Total assets	$1B
Total cash	$112.8M
Total debt	$8.7M
Total liabilities	$928.6M
WACC	4.07%

Metric

Value

Book value per share

$44.53

Debt / equity

0.08

Debt / FCF

1.18

Net cash (debt)

$104.1M

Net cash / market cap

90.34%

Net cash growth

72.26%

Net debt / equity

-0.91

Net debt / FCF

-14.19

Piotroski F-Score

Property, plant and equipment

$6.7M

Shareholders' equity

$114M

Tangible book value

$114M

Tangible book value per share

$44.53

Total assets

$1B

Total cash

$112.8M

Total debt

$8.7M

Total liabilities

$928.6M

WACC

4.07%

Metric	Value
Working capital	$-790.4M

Metric

Value

Working capital

$-790.4M

Metric	Value
Buyback yield / dilution	-0.11%
Dividend growth	10.53%
Dividend growth (10Y)	10.84%
Dividend growth (3Y)	4.32%
Dividend growth (5Y)	1.49%
Dividend growth years	0
Dividend payment date	2026-11-20
Dividend payment years	14
Dividend payout frequency	Quarterly
Dividend per share	$0.84
Dividend yield	1.87%
Ex-dividend date	2026-11-06
FCF payout ratio	29.32%
Last dividend	$0.21
Payout ratio	25.1%
Shareholder yield	1.76%

Metric

Value

Buyback yield / dilution

-0.11%

Dividend growth

10.53%

Dividend growth (10Y)

10.84%

Dividend growth (3Y)

4.32%

Dividend growth (5Y)

1.49%

Dividend growth years

Dividend payment date

2026-11-20

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$0.84

Dividend yield

1.87%

Ex-dividend date

2026-11-06

FCF payout ratio

29.32%

Last dividend

$0.21

Payout ratio

25.1%

Shareholder yield

1.76%

Metric	Value
10Y price change	82.11%
10Y return CAGR	8.19%
10Y total return	119.67%
150-day SMA	$44.57
15Y price change	533.8%
15Y return CAGR	14.85%
15Y total return	697.99%
1D price change	1.74%
1M price change	-2.62%
1M total return	-2.62%
1Y price change	0.81%
1Y return CAGR	2.69%
1Y total return	2.69%
20-day SMA	$44.17
200-day SMA	$44.25
3M price change	-4.72%
3M total return	-4.29%
3Y price change	22.95%
3Y return CAGR	9.04%
3Y total return	29.65%
50-day SMA	$45.82
50-day SMA vs 200-day SMA	50over200
52-week high	$49.21
52-week high date	2026-08-05
52-week low	$40.68
52-week low date	2026-03-18
5Y price change	3.14%
5Y return CAGR	2.48%
5Y total return	13.03%
6M price change	8.64%
6M total return	9.68%
After-hours change	1.6%
After-hours close	$45.00
After-hours price	$45.72
All-time high	$55.99
All-time high date	2024-08-30
All-time low	$3.85
All-time low date	2010-01-26
Average true range (ATR)	$1.05
Average volume	2.2K
Beta (1Y)	-0.33
Beta (2Y)	0.08
Beta (5Y)	0.02
Change from 52-week high	-8.56%
Change from 52-week low	10.62%
Change from all-time high	-19.63%
Change from all-time low	1,068.83%
Change from open	-1.1%
Day's gap	2.87%
Dollar volume	$67,979
High price	$45.72
Low price	$45.00
Monthly RSI	50.28
Open price	$45.50
Position in 52-week range	0%
Previous close	$44.23
Price vs 150-day SMA	0.96%
Price vs 20-day SMA	1.88%
Price vs 200-day SMA	1.69%
Price vs 50-day SMA	-1.78%
Relative volume	0.7
RSI	51.13
Sharpe ratio	0.08
Sharpe ratio (3Y)	0.29
Sharpe ratio (5Y)	0.52
Sortino ratio	0.33
Sortino ratio (3Y)	0.67
Sortino ratio (5Y)	1.01
Volume	1.5K
Weekly RSI	50.14
YTD price change	3.14%
YTD total return	4.62%

Metric

Value

10Y price change

82.11%

10Y return CAGR

8.19%

10Y total return

119.67%

150-day SMA

$44.57

15Y price change

533.8%

15Y return CAGR

14.85%

15Y total return

697.99%

1D price change

1.74%

1M price change

-2.62%

1M total return

-2.62%

1Y price change

0.81%

1Y return CAGR

2.69%

1Y total return

2.69%

20-day SMA

$44.17

200-day SMA

$44.25

3M price change

-4.72%

3M total return

-4.29%

3Y price change

22.95%

3Y return CAGR

9.04%

3Y total return

29.65%

50-day SMA

$45.82

50-day SMA vs 200-day SMA

50over200

52-week high

$49.21

52-week high date

2026-08-05

52-week low

$40.68

52-week low date

2026-03-18

5Y price change

3.14%

5Y return CAGR

2.48%

5Y total return

13.03%

6M price change

8.64%

6M total return

9.68%

After-hours change

1.6%

After-hours close

$45.00

After-hours price

$45.72

All-time high

$55.99

All-time high date

2024-08-30

All-time low

$3.85

All-time low date

2010-01-26

Average true range (ATR)

$1.05

Average volume

2.2K

Beta (1Y)

-0.33

Beta (2Y)

0.08

Beta (5Y)

0.02

Change from 52-week high

-8.56%

Change from 52-week low

10.62%

Change from all-time high

-19.63%

Change from all-time low

1,068.83%

Change from open

-1.1%

Day's gap

2.87%

Dollar volume

$67,979

High price

$45.72

Low price

$45.00

Monthly RSI

50.28

Open price

$45.50

Position in 52-week range

Previous close

$44.23

Price vs 150-day SMA

0.96%

Price vs 20-day SMA

1.88%

Price vs 200-day SMA

1.69%

Price vs 50-day SMA

-1.78%

Relative volume

0.7

RSI

51.13

Sharpe ratio

0.08

Sharpe ratio (3Y)

0.29

Sharpe ratio (5Y)

0.52

Sortino ratio

0.33

Sortino ratio (3Y)

0.67

Sortino ratio (5Y)

1.01

Volume

1.5K

Weekly RSI

50.14

YTD price change

3.14%

YTD total return

4.62%

Metric	Value
Float	1.7M
Float percentage	68.15%
Shares change (QoQ)	0.23%
Shares change (YoY)	0.11%
Shares held by insiders	9.88%
Shares held by institutions	29.93%
Shares outstanding	2.6M
Short % of float	0.21%
Short % of shares	0.14%
Short ratio	0.6 days

Metric

Value

Float

1.7M

Float percentage

68.15%

Shares change (QoQ)

0.23%

Shares change (YoY)

0.11%

Shares held by insiders

9.88%

Shares held by institutions

29.93%

Shares outstanding

2.6M

Short % of float

0.21%

Short % of shares

0.14%

Short ratio

0.6 days

Sound Financial Bancorp, Inc. (SFBC)

Price

Financial snapshot

Fair-value bridge

Latest news · SFBC

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SFBC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SFBC

Frequently asked questions