SFBC

NEUTRAL

$44.18 Live

Sound Financial Bancorp, Inc. · NASDAQ

$40.68 52W Range $51.99

SFBC Sound Financial Bancorp, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

SFBC Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$44.18

52W High

$51.99

52W Low

$40.68

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 19, 2026

Market cap

$113.46M

P/E

15.95

ROE

6.7%

Profit margin

18.5%

Debt/Equity

N/A

Dividend yield

1.89%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

SFBC presents as a classic value play with a Piotroski F-Score of 4/9, indicating stable but not strong financial health. The stock is currently trading at a significant discount to both its Graham Number ($51.62) and estimated Intrinsic Value ($81.72), with a Price-to-Book ratio of 1.03. However, this valuation is offset by stagnant revenue growth (0.60%) and a completely bearish technical trend (0/100). While earnings growth is robust at 16.40%, the lack of top-line expansion and bearish insider sentiment suggest a lack of immediate catalysts.

Key Strengths

Trading below Graham Number and Intrinsic Value

Strong YoY earnings growth of 16.40%

Conservative dividend payout ratio (27.44%)

Price-to-Book ratio near 1.0, typical for fair-valued regional banks

Stable Piotroski F-Score (4/9)

Key Risks

Near-zero revenue growth (0.60% YoY)

Bearish technical trend (0/100)

Insider selling by the CEO

Low Return on Equity (6.72%) compared to historical bank benchmarks

Micro-cap liquidity risk ($0.11B Market Cap)

AI Fair Value Estimate

Based on comprehensive analysis

$50.5

+14.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Undervalued but Stagnant

Key drivers: Deep valuation discount, Flat revenue growth, Bearish technicals

Confidence

85%

Value

85/100

Ref P/E 15.95, Graham Number $51.62

Positives

Price < Graham Number
Price < Intrinsic Value
P/B of 1.03

Watchpoints

P/E of 15.95 is moderate for a low-growth bank

Future

40/100

Ref Growth rates

Positives

Strong earnings growth (16.40%)

Watchpoints

Stagnant revenue growth (0.60%)
Lack of analyst coverage/targets

Past

50/100

Ref Historical trends

Positives

Positive 3Y and 5Y returns

Watchpoints

Negative 1Y return (-10%)
Flat 6M performance

Health

55/100

Ref Piotroski F-Score 4/9

Positives

Piotroski F-Score in 'Stable' range

Watchpoints

F-Score is on the lower end of stable (4/9)
Low ROA (0.69%)

Dividend

60/100

Ref Yield 1.89%, Payout 27.44%

Positives

Very low payout ratio (27.44%)
Consistent dividend rate

Watchpoints

Low absolute yield (1.89%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$44.18

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for SFBC and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
SFBC Sound Financial Bancorp, Inc. Primary	+19.4%	+26.0%	-10.0%	-0.4%	+6.5%	-1.1%
RVSB Riverview Bancorp, Inc. Peer	-7.0%	+9.3%	-3.3%	+9.1%	+8.9%	-2.5%
BSBK Bogota Financial Corp. Peer	-12.5%	-12.1%	+23.3%	-5.8%	+5.1%	+4.4%
MGYR Magyar Bancorp, Inc. Peer	+73.9%	+80.7%	+32.1%	+5.2%	+2.8%	+2.1%
SAMG Silvercrest Asset Management Group Inc. Peer	+12.3%	-14.5%	-1.9%	-1.5%	+5.3%	+5.1%

SFB

Sound Financial Bancorp, Inc.

Primary

+19.4%

+26.0%

-10.0%

-0.4%

+6.5%

-1.1%

RVS

Riverview Bancorp, Inc.

Peer

-7.0%

+9.3%

-3.3%

+9.1%

+8.9%

-2.5%

BSB

Bogota Financial Corp.

Peer

-12.5%

-12.1%

+23.3%

-5.8%

+5.1%

+4.4%

MGY

Magyar Bancorp, Inc.

Peer

+73.9%

+80.7%

+32.1%

+5.2%

+2.8%

+2.1%

SAM

Silvercrest Asset Management Group Inc.

Peer

+12.3%

-14.5%

-1.9%

-1.5%

+5.3%

+5.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

15.95

N/A

1.03

2.93

-0.1

N/A

$113.46M

Profitability

Profit margins and return metrics

Profit Margin 18.47%

Operating Margin 27.04%

Gross Margin N/A

ROE 6.72%

ROA 0.69%

Growth

Revenue and earnings growth rates

Revenue Growth +0.6%

Earnings Growth +16.4%

Q/Q Revenue Growth +1.14%

Q/Q Earnings Growth +16.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$54.15

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

23.6%

Total Assets

$1.1B

Liabilities

$1.0B

Equity

$0.1B

Debt/Equity

8.98x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

97%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-28

$N/A

Financial Services Sector Comparison

Comparing SFBC against 525 companies in the Financial Services sector (96 bullish, 216 neutral, 213 bearish)

P/E Ratio

15.95

This Stock

43.93

Sector Avg

-63.7% (Discount)

Return on Equity (ROE)

6.72%

This Stock

0.14%

Sector Avg

+4606.8% (Excellent)

Profit Margin

18.47%

This Stock

46.8%

Sector Avg

-60.5% (Weaker)

Revenue Growth

0.6%

This Stock

40.4%

Sector Avg

-98.5% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
SFBC Sound Financial Bancorp, Inc.	NEUTRAL	$113.46M	15.95	6.7%	18.5%	$44.18
RVSB Riverview Bancorp, Inc.	NEUTRAL	$113.5M	23.83	3.0%	9.2%	$5.48	Compare
BSBK Bogota Financial Corp.	NEUTRAL	$112.05M	50.82	1.5%	12.0%	$8.64	Compare
MGYR Magyar Bancorp, Inc.	BULLISH	$115.04M	10.26	9.3%	29.6%	$17.76	Compare
SAMG Silvercrest Asset...	BEARISH	$111.5M	24.52	7.9%	3.9%	$13.73	Compare

SFBC Sound Financial...

NEUTRAL

Mkt Cap

$113M

P/E

15.9

ROE

6.7%

Price

$44.18

RVSB Riverview Bancorp, Inc.

Compare with SFBC

BSBK Bogota Financial Corp.

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MGYR Magyar Bancorp, Inc.

Compare with SFBC

Compare with SFBC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-31	STEWART LAURA LEE	Chief Executive Officer	Sale	900	$39,717
2025-12-10	JONES DEBRA L	Director	Gift	500	-
2025-12-04	OCHS WES	President	Option Exercise	900	$25,506
2025-11-13	SEXTON HEIDI	Chief Operating Officer	Option Exercise	2,500	$70,850
2025-11-13	SEXTON HEIDI	Chief Operating Officer	Option Exercise	2,500	$70,850

STEWART LAURA LEE

Chief Executive Officer

Sell

2026-03-31

900 shares · $39,717

JONES DEBRA L

Director

Gift

2025-12-10

500 shares

OCHS WES

President

Option Exercise

2025-12-04

900 shares · $25,506

SEXTON HEIDI

Chief Operating Officer

Option Exercise

2025-11-13

2,500 shares · $70,850

SEXTON HEIDI

Chief Operating Officer

Option Exercise

2025-11-13

2,500 shares · $70,850

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-04-15

SFBC filed a Definitive Proxy Statement on April 15, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K

2026-03-18

SFBC filed its annual 10-K on March 18, 2026, which includes disclosures regarding its business operations, risk factors, and management's discussion and analysis of financial condition. Specific financial highlights and risk details were not provided in the available excerpts.

8-K

2026-02-13

SFBC filed an 8-K on February 13, 2026, likely to announce its annual financial results.

8-K

2026-01-28

SFBC filed an 8-K on January 28, 2026, likely to announce its fourth-quarter and full-year financial results.

10-Q

2025-11-12

SFBC's 10-Q filing dated November 12, 2025, emphasizes the impact of regulatory capital rules on the company's operations. While specific financial performance metrics were not provided in the excerpts, the company identifies regulatory compliance and capital requirements as key risk factors.

8-K

2025-10-28

SFBC filed an 8-K on October 28, 2025, likely to report its third-quarter financial results.

8-K

FORM 8-K

2025-09-19

10-Q

2025-08-12

Sound Community Bank (SFBC) filed its 10-Q on August 12, 2025, with a focus on regulatory capital rules as a key operational consideration. While specific financial performance metrics were not provided in the excerpts, the company directs investors to its 2024 Form 10-K for detailed information regarding regulatory capital risks.

8-K

2025-07-29

8-K

2025-06-05

8-K

2025-05-28

10-Q

2025-05-13

8-K

2025-04-30

DEF 14A

2025-04-16

10-K

2025-03-18

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning SFBC from our newsroom.

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SFBC

SFBC Sound Financial Bancorp, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

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