ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Sound Financial Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 4.01%
2
Positive results in Jun 25
- GROSS NPA (%)(Q) Lowest at 0.37%
- NII(Q) Highest at USD 9.26 MM
- NET SALES(Q) Highest at USD 14.91 MM
3
With ROA of 0.27%, it has a very expensive valuation with a 1.23 Price to Book Value
- Over the past year, while the stock has generated a return of -16.82%, its profits have fallen by -16.6%
4
High Institutional Holdings at 41.79%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -16.82% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Sound Financial Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Sound Financial Bancorp, Inc. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Sound Financial Bancorp, Inc.
-18.81%
-0.04
22.03%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.75%
EBIT Growth (5y)
-2.10%
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
42.31%
Pledged Shares
0
Institutional Holding
41.79%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
25
Industry P/E
Price to Book Value
1.23
EV to EBIT
6.88
EV to EBITDA
5.79
EV to Capital Employed
4.48
EV to Sales
0.53
PEG Ratio
NA
Dividend Yield
1.14%
ROCE (Latest)
65.18%
ROE (Latest)
4.82%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 9.26 MM
NET SALES(Q)
Highest at USD 14.91 MM
OPERATING PROFIT(Q)
Highest at USD 2.54 MM
OPERATING PROFIT MARGIN(Q)
Highest at 17.03 %
PRE-TAX PROFIT(Q)
Highest at USD 2.54 MM
NET PROFIT(Q)
Highest at USD 2.05 MM
EPS(Q)
Highest at USD 0.79
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Sound Financial Bancorp, Inc.
Non Performing Loans (%)
Lowest at 0.37%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 9.26 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 14.91 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 2.54 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 17.03 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 2.54 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 2.54 MM has Grown at 64.69%
over average net sales of the previous four periods of USD 1.54 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 2.05 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 2.05 MM has Grown at 63.02%
over average net sales of the previous four periods of USD 1.26 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.79
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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