Sound Financial Bancorp, Inc.

Market Cap: Micro Cap
Industry: Regional Banks
ISIN: US83607A1007

USD

42.48

1.06 (2.56%)

Jun 17

NAS

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Sound Financial Bancorp, Inc.

BankFinancial Corp.

Why is Sound Financial Bancorp, Inc. ?

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

Below par performance in long term as well as near term

Along with generating -11.70% 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 Report

Verdict Report

How 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.

-11.7%

-0.26

20.86%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

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)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.46%

Pledged Shares

Institutional Holding

48.95%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

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

ROCE (Latest)

-53.36%

ROE (Latest)

6.54%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

5What is working for the Company

ROCE(HY)

Highest at 0.69%

DIVIDEND PER SHARE(HY)

Highest at USD 0

-3What is not working for the Company

ROCE(HY)

Lowest at 0.69%

CREDIT DEPOSIT RATIO(HY)

Lowest at 95.15%

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

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.

Credit Deposit Ratio

Lowest at 95.15%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)