SFBC Share Price | Sound Financial Bancorp, Inc. Stock Analysis & Recommendation

Q: What does Sound Financial Bancorp, Inc. do?

Overview:Sound Financial Bancorp, Inc. is the bank holding company for Sound Community Bank, operating in the Regional Banks industry with a micro-cap market capitalization.Financial Snapshot:Most recent Net Sales: 14 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 1 Million (Quarterly Results - Mar 2025) Market cap: USD 124.00 Million (Micro Cap)Key Metrics:P/E: 25.00 Dividend Yield: 1.18% Debt Equity: 0.00 Return on Equity: 4.82% Price to Book: 1.19Contact Details:Address: 2400 3rd Ave Ste 150, SEATTLE WA: 98121-4093 Tel: 1 206 4480884 Website: http://www.soundcb.com

Q: Is Sound Financial Bancorp, Inc. technically bullish or bearish?

As of 5 October 2023, the technical data for Sound Financial Bancorp, Inc. is insufficient to form a view on whether it is bullish or bearish.

Q: Is Sound Financial Bancorp, Inc. overvalued or undervalued?

As of 12 October 2023, Sound Financial Bancorp, Inc. has moved from fair to attractive. The company appears to be undervalued based on its current financial metrics. Key ratios include a price-to-earnings (P/E) ratio of 10.5, a price-to-book (P/B) ratio of 1.2, and a return on equity (ROE) of 8.4%. In comparison to its peers, such as First Financial Northwest with a P/E of 12.0 and Heritage Financial Corporation with a P/B of 1.5, Sound Financial Bancorp stands out as a more appealing investment opportunity. Additionally, recent stock performance has shown resilience, outperforming the Sensex, which further supports the undervaluation narrative.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

24.5 k

Shareholding (Dec 2025)

FII

0.70%

Held by 14 FIIs

DII

91.68%

Held by 8 DIIs

Promoter

0.02%

What does Sound Financial Bancorp, Inc. do?

22-Jun-2025

Sound Financial Bancorp, Inc. is the bank holding company for Sound Community Bank, operating in the Regional Banks industry with a market cap of $124 million. As of March 2025, it reported net sales of $14 million and a net profit of $1 million.

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Who are in the management team of Sound Financial Bancorp, Inc.?

22-Jun-2025

As of March 2022, the management team of Sound Financial Bancorp, Inc. includes Tyler Myers (Independent Chairman), Laura Stewart (President and CEO), David Haddad (Independent Vice Chairman), and several independent directors: Robert Carney, Debbie Jones, Rogelio Riojas, and James Sweeney. They oversee the company's operations and strategic direction.

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Is Sound Financial Bancorp, Inc. technically bullish or bearish?

25-Jun-2025

As of October 5, 2023, there is insufficient technical data for Sound Financial Bancorp, Inc. to determine a bullish or bearish outlook.

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Is Sound Financial Bancorp, Inc. overvalued or undervalued?

25-Jun-2025

As of October 12, 2023, Sound Financial Bancorp, Inc. is considered an attractive investment due to its undervalued status, with a P/E ratio of 10.5, a P/B ratio of 1.2, and an ROE of 8.4%, outperforming peers like First Financial Northwest and Heritage Financial Corporation.

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Compare Sound Financial Bancorp, Inc. with Similar Stocks

Union Bankshares, Inc. (Vermont)Citizens Community Bancorp, Inc. (Wisconsin)ECB Bancorp, Inc.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

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

With ROA of 0.43%, it has a fair valuation with a 0.97 Price to Book Value

Underperformed the market in the last 1 year

Mojo Parameters

Stock DNA

Industry

Regional Banks

Market cap

USD 106 Million (Micro Cap)

P/E

15.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

0.00

Return on Equity

6.54%

Price to Book

0.97

Revenue and Profits:

Net Sales:

14 Million

(Quarterly Results - Dec 2025)

Net Profit:

2 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-2.1%

6 Months

-5.55%

1 Year

-14.8%

2 Years

7.21%

3 Years

13.74%

4 Years

7.84%

5 Years

11.54%

Sound Financial Bancorp, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

10.50%

EBIT Growth (5y)

-9.79%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

27.44%

Pledged Shares

Institutional Holding

46.97%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

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

ROCE (Latest)

-51.42%

ROE (Latest)

6.54%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Sideways

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bullish

No Trend

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

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 10 Schemes (7.6%)

Foreign Institutions

Held by 14 Foreign Institutions (0.7%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Company CV

About Sound Financial Bancorp, Inc.

Sound Financial Bancorp, Inc.

Regional Banks

Sound Financial Bancorp, Inc. is the bank holding company for its subsidiary, Sound Community Bank. The Company's business is conducted through Sound Community Bank, a Washington state-chartered commercial bank. Its business consists of attracting retail and commercial deposits from the general public and investing those funds, along with borrowed funds, in loans secured by first and second mortgages on one- to four-family residences, including home equity loans and lines of credit, commercial and multifamily loans, consumer and commercial business loans, and construction and land loans. It offers a range of secured and unsecured consumer loan products, including manufactured home loans, floating homes, automobile loans, boat loans and recreational vehicle loans. It focuses on residential mortgage loan originations. It sells these loans with servicing retained to maintain the direct customer relationship and to continue providing strong customer service to its borrowers.

Company Coordinates

Company Details

2400 3rd Ave Ste 150 , SEATTLE WA : 98121-4093

Tel: 1 206 4480884

http://www.soundcb.com

Registrar Details