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.

Financial snapshot

Revenue (ttm): 41.4M
Net income (ttm): 8.6M
EPS (ttm): $3.35
P/E (trailing): 13.4x
Market cap: 115.2M

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%	Sterk kopen
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	Sterk kopen
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	Aanhouden

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-11-04 14:30 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E13.4

P25 n/aP50 n/aP75 n/a

ROE7.8

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All SFBC indicators

Market & fundamental data

Available fields

235

Groups with data

Currency

USD

Showing 235 of 235 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

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

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-790.4M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

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%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on SFBC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this SFBC report

Is a complete SFBC research report available?

No complete published report is available for Sound Financial Bancorp, Inc. (SFBC) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

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