Stock Scorecard
Stock Summary for Sound Financial Bancorp Inc (SFBC) - $44.30 as of 2/17/2026 7:36:45 AM EST
Total Score
21 out of 30
Safety Score
53 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for SFBC
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for SFBC
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for SFBC
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for SFBC
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for SFBC (53 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 2 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 0 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for SFBC
Financial Details for SFBC
Company Overview |
|
|---|---|
| Ticker | SFBC |
| Company Name | Sound Financial Bancorp Inc |
| Country | USA |
| Description | Sound Financial Bancorp, Inc. is the banking holding company for Sound Community Bank providing banking and other financial services to consumers and businesses. The company is headquartered in Seattle, Washington. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/28/2026 |
Stock Price History |
|
| Last Day Price | 44.30 |
| Price 4 Years Ago | 37.06 |
| Last Day Price Updated | 2/17/2026 7:36:45 AM EST |
| Last Day Volume | 9,504 |
| Average Daily Volume | 5,114 |
| 52-Week High | 51.12 |
| 52-Week Low | 42.55 |
| Last Price to 52 Week Low | 4.11% |
Valuation Measures |
|
| Trailing PE | 14.77 |
| Industry PE | 14.04 |
| Sector PE | 35.58 |
| 5-Year Average PE | 16.17 |
| Free Cash Flow Ratio | 0.76 |
| Industry Free Cash Flow Ratio | 10.82 |
| Sector Free Cash Flow Ratio | 25.45 |
| Current Ratio Most Recent Quarter | 40.84 |
| Total Cash Per Share | 57.93 |
| Book Value Per Share Most Recent Quarter | 42.89 |
| Price to Book Ratio | 0.97 |
| Industry Price to Book Ratio | 1.21 |
| Sector Price to Book Ratio | 1.91 |
| Price to Sales Ratio Twelve Trailing Months | 2.73 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.47 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.52 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 2,389,900 |
| Market Capitalization | 105,872,570 |
| Institutional Ownership | 41.77% |
Dividends |
|
| Ex-Dividend Date | 2/9/2026 |
| Previous Dividend Amount | 0.1900 |
| Current Dividend Amount | 0.2100 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.78 |
| Trailing Annual Dividend Yield | 1.78% |
| Forward Annual Dividend Rate | 0.84 |
| Forward Annual Dividend Yield | 1.91% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 1.75% |
| 5-Year Average Dividend Yield | 1.76% |
| 1-Year Dividend Growth Rate Percentage | 10.53% |
| 3-Year Dividend Growth Rate Percentage | 5.13% |
| 5-Year Dividend Growth Rate Percentage | 5.42% |
| All-Time Dividend Growth Rate Percentage | 12.90% |
| Dividend Payout Ratio | 26.00% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 16.30% |
| Annual Earnings Growth | 54.27% |
| Reported EPS 12 Trailing Months | 3.00 |
| Reported EPS Past Year | 2.77 |
| Reported EPS Prior Year | 1.79 |
| Net Income Twelve Trailing Months | 7,160,000 |
| Net Income Past Year | 7,158,000 |
| Net Income Prior Year | 4,640,000 |
| Quarterly Revenue Growth YOY | 0.60% |
| 5-Year Revenue Growth | 7.78% |
| Operating Margin Twelve Trailing Months | 27.10% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 138,453,000 |
| Total Cash Past Year | 138,453,000 |
| Total Cash Prior Year | 43,641,000 |
| Net Cash Position Most Recent Quarter | 116,662,000 |
| Net Cash Position Past Year | 101,694,000 |
| Long Term Debt Past Year | 36,759,000 |
| Long Term Debt Prior Year | 36,759,000 |
| Total Debt Most Recent Quarter | 21,791,000 |
| Equity to Debt Ratio Past Year | 0.75 |
| Equity to Debt Ratio Most Recent Quarter | 0.83 |
| Total Stockholder Equity Past Year | 109,399,000 |
| Total Stockholder Equity Prior Year | 103,666,000 |
| Total Stockholder Equity Most Recent Quarter | 109,399,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 5,159,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.16 |
| Free Cash Flow Past Year | 2,856,000 |
| Free Cash Flow Prior Year | 6,442,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.10 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 2/17/2026 7:37:31 AM EST |