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Sound Financial Bancorp, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US83607A1007
  • NASDAQ: SFBC
USD
44.01
-3.39 (-7.15%)

Sep 24

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
ECB Bancorp, Inc.
Investar Holding Corp.
CB Financial Services, Inc.
FinWise Bancorp
First United Corp.
First Savings Financial Group, Inc.
Union Bankshares, Inc. (Vermont)
Sound Financial Bancorp, Inc.
Summit State Bank (California)
Citizens Community Bancorp, Inc. (Wisconsin)
BankFinancial Corp.

Why is Sound Financial Bancorp, Inc. ?

1
Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 5.44%
  • Poor long term growth as Net profit has grown by an annual rate of -4.34%
  • Bank has not been able to control its costs efficiently with a high Cost to Income ratio of 84.70%
2
With ROA of 0.37%, it has a fair valuation with a 1.02 Price to Book Value
  • Over the past year, while the stock has generated a return of 2.66%, its profits have risen by 54.3% ; the PEG ratio of the company is 0.3
3
Underperformed the market in the last 1 year
  • The stock has generated a return of 2.66% in the last 1 year, much lower than market (S&P 500) returns of 15.76%
stock-recommendationReal-Time Research Report

Verdict Report

How much should you sell?

  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Sound Financial Bancorp, Inc. for you?

Low Risk, Low Return

Absolute
Risk Adjusted
Volatility
Sound Financial Bancorp, Inc.
-5.09%
0.25
21.88%
S&P 500
16.06%
1.20
13.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor
Value
Sales Growth (5y)
10.50%
EBIT Growth (5y)
-10.43%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.46%
Pledged Shares
0
Institutional Holding
48.95%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.02
EV to EBIT
-1.51
EV to EBITDA
-1.22
EV to Capital Employed
0.81
EV to Sales
-0.16
PEG Ratio
0.29
Dividend Yield
NA
ROCE (Latest)
-53.36%
ROE (Latest)
6.54%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company
ROCE(HY)

Highest at 0.76%

NII(Q)

Highest at USD 9.59 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 3.12 MM

OPERATING PROFIT MARGIN(Q)

Highest at 20.98 %

PRE-TAX PROFIT(Q)

Highest at USD 3.12 MM

NET PROFIT(Q)

Highest at USD 2.52 MM

EPS(Q)

Highest at USD 0.98

-5What is not working for the Company
ROCE(HY)

Lowest at 0.76%

GROSS NPA (%)

(Q

Here's what is working for Sound Financial Bancorp, Inc.

NII
Highest at USD 9.59 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (USD MM)

Operating Profit
Highest at USD 3.12 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin
Highest at 20.98 %
in the last five periods
MOJO Watch
Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit
Highest at USD 3.12 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit
Highest at USD 2.52 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is positive

Net Profit (USD MM)

EPS
Highest at USD 0.98
in the last five periods
MOJO Watch
Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share
Highest at USD 0
in the last five years
MOJO Watch
Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Sound Financial Bancorp, Inc.

Non Performing Loans (%)
Highest at 0.9%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

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