ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
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 Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -4.34%
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
With ROA of 0.43%, it has a fair valuation with a 0.97 Price to Book Value
- Over the past year, while the stock has generated a return of -14.80%, 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
- Even though the market (S&P 500) has generated returns of 14.90% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -14.80% returns
Real-Time Research ReportHow much should you sell?
- 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.
-12.64%
-0.12
19.07%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.50%
EBIT Growth (5y)
-9.79%
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
27.44%
Pledged Shares
0
Institutional Holding
46.97%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.97
EV to EBIT
-2.43
EV to EBITDA
-2.07
EV to Capital Employed
1.25
EV to Sales
-0.28
PEG Ratio
0.27
Dividend Yield
NA
ROCE (Latest)
-51.42%
ROE (Latest)
6.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING PROFIT(Q)
Highest at USD 2.58 MM
OPERATING PROFIT MARGIN(Q)
Highest at 18.1 %
PRE-TAX PROFIT(Q)
Highest at USD 2.58 MM
NET PROFIT(Q)
Highest at USD 2.25 MM
EPS(Q)
Highest at USD 0.87
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 95.43%
Here's what is working for Sound Financial Bancorp, Inc.
Operating Profit
Highest at USD 2.58 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 18.1 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 2.58 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 2.25 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.87
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Sound Financial Bancorp, Inc.
Credit Deposit Ratio
Lowest at 95.43%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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