Stock Scorecard
Stock Summary for Sound Financial Bancorp Inc (SFBC) - $45.65 as of 4/14/2026 7:24:02 AM EST
Total Score
22 out of 30
Safety Score
52 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 (52 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) | 8 |
| 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 | 5/5/2026 |
Stock Price History |
|
| Last Day Price | 45.65 |
| Price 4 Years Ago | 37.06 |
| Last Day Price Updated | 4/14/2026 7:24:02 AM EST |
| Last Day Volume | 4,868 |
| Average Daily Volume | 9,709 |
| 52-Week High | 51.12 |
| 52-Week Low | 40.68 |
| Last Price to 52 Week Low | 12.22% |
Valuation Measures |
|
| Trailing PE | 16.48 |
| Industry PE | 19.19 |
| Sector PE | 42.45 |
| 5-Year Average PE | 13.84 |
| Free Cash Flow Ratio | 0.78 |
| Industry Free Cash Flow Ratio | 13.14 |
| Sector Free Cash Flow Ratio | 55.13 |
| Current Ratio Most Recent Quarter | 40.84 |
| Total Cash Per Share | 58.20 |
| Book Value Per Share Most Recent Quarter | 42.76 |
| Price to Book Ratio | 0.97 |
| Industry Price to Book Ratio | 1.20 |
| Sector Price to Book Ratio | 1.99 |
| Price to Sales Ratio Twelve Trailing Months | 2.81 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.42 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.20 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 2,378,900 |
| Market Capitalization | 108,596,785 |
| Institutional Ownership | 43.91% |
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 | 1.87% |
| Forward Annual Dividend Rate | 0.84 |
| Forward Annual Dividend Yield | 2.01% |
| 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 | 28.16% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 16.40% |
| Annual Earnings Growth | 54.27% |
| Reported EPS 12 Trailing Months | 2.77 |
| Reported EPS Past Year | 0.00 |
| Reported EPS Prior Year | 2.77 |
| 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 | 27.00% |
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 | 120,652,000 |
| Net Cash Position Past Year | 120,652,000 |
| Long Term Debt Past Year | 17,801,000 |
| Long Term Debt Prior Year | 36,759,000 |
| Total Debt Most Recent Quarter | 17,801,000 |
| Equity to Debt Ratio Past Year | 0.86 |
| Equity to Debt Ratio Most Recent Quarter | 0.86 |
| 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 | 6,937,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.92 |
| Free Cash Flow Past Year | 6,991,000 |
| Free Cash Flow Prior Year | 2,856,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.39 |
| MACD Signal | 0.22 |
| 20-Day Bollinger Lower Band | 41.40 |
| 20-Day Bollinger Middle Band | 43.48 |
| 20-Day Bollinger Upper Band | 45.56 |
| Beta | 0.04 |
| RSI | 59.44 |
| 50-Day SMA | 43.39 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 41.77 |
System |
|
| Modified | 4/14/2026 7:24:50 AM EST |