Sound Financial Bancorp Inc.

SFBC | NASDAQ

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$48.33

-$0.57 (-1.17%)

At close: Sep 21, 2026, 4:00 PM ET

$48.33

$0 (0.00%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $116.42M

Enterprise Value $-5.43M

Beta 0.00

Average Volume 11.34K

Shares Outstanding (Diluted) 2.57M

Shares Change YoY -0.15%

Institutional Ownership 48.77%

Exchange NASDAQ

ISIN US83607A1007

Price Performance

Price Change 1M 2.2%

Price Change 3M 11.8%

Price Change 6M 10.5%

Price Change YTD 11.1%

Price Change 1Y 5.1%

Price Change 3Y 29.7%

Price Change 5Y 4.9%

1M CAGR (ann.) 5.1%

1Y CAGR (ann.) 9.9%

5Y CAGR (ann.) 4.1%

All-Time CAGR 11.0%

Valuation

PE Ratio 15.49

Forward PE N/A

PEG Ratio 0.55

Forward PEG 0.55

PS Ratio 1.85

Forward PS N/A

PB Ratio 1.02

P/FCF Ratio 15.54

P/Adj. FCF Ratio 16.09

P/OCF Ratio 16.44

EV/Sales -0.09

EV/EBIT -0.56

EV/EBITDA -0.45

EV/FCF -0.73

Earnings Yield 6.5%

FCF Yield 6.4%

Adj. FCF Yield 6.2%

Financial Health

Net Cash $123.6M

Total Debt $14.03M

Cash & Short-Term Investments $134.52M

Total Assets $1.07B

Current Ratio 45.07

Quick Ratio 45.07

Debt / Equity Ratio 0.12

Debt / EBITDA 1.16

Debt / FCF 1.89

OCF / Debt 0.54

Interest Coverage 0.44

Altman Z-Score 0.43

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 63.4%

Operating Profit Margin 15.7%

EBITDA Margin 19.4%

Net Profit Margin 12.9%

FCF Margin 11.9%

Adj. FCF Margin 11.5%

SBC / Revenue 0.4%

SBC Impact (per share) -3.4%

Returns

Return on Assets 0.8%

Return on Equity 7.3%

Return on Invested Capital 0.8%

Return on Capital Employed 0.9%

Return on Tangible Assets 0.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 6.1%

Revenue CAGR 5Y 7.3%

Revenue CAGR 10Y 8.2%

EPS CAGR 3Y -8.2%

EPS CAGR 5Y -4.9%

EPS CAGR 10Y 5.5%

FCF CAGR 3Y 7.6%

FCF CAGR 5Y -14.5%

FCF CAGR 10Y 1.2%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $55.55

Graham Upside 14.9%

Lynch Fair Value $15.60

Lynch Upside -67.7%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $7.53M

Free Cash Flow $7.4M

Adj. Free Cash Flow $7.15M

FCF Per Share $2.89

OCF Per Share $2.94

OCF/S Ratio 12.1%

Income Statement

Revenue $62.12M

Gross Profit $39.36M

Operating Income $9.75M

EBITDA $12.06M

Net Income $8.04M

EPS (Diluted) $3.12

Revenue / Employee $580.57K

Profit / Employee $75.09K

Employees 107

Dividends

Annual Dividend $0.82

Dividend Yield 1.70%

Payout Ratio 26.3%

FCF Payout Ratio 27.7%

Adj. FCF Payout Ratio 28.7%

Dividend Growth (YoY) 7.9%

Pay Frequency Quarterly

Ex-Dividend Date Aug 6, 2026