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Company Analysis

Sound Financial Bancorp, Inc. SFBC

A comprehensive view of key metrics, scores, and financial health for Sound Financial Bancorp, Inc.

Overview of Sound Financial Bancorp, Inc.

SFBC NCM
Financial Services Banks - Regional Micro Cap
Sound Financial Bancorp, Inc. (SFBC), is a Micro Cap company, in the Banks - Regional industry, last closed at $41.06, about 5.2% undervalued vs fair value, -21.0% 1Y return, ranked 553/1004 in sector.
$41.06
-0.70%
As of March 13, 2026
Previous close • Vol 90d: 12.8%
Market Cap
$107.20M
Enterprise Value
$-6.11M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.soundcb.com
HQ Seattle, WA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$24
$43
$81
Current: $41.06 +5% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$57.4M
13.4%%
Interest Expense
$22.6M
Net Interest Income
$31.0M
-8.4%%
Total Revenue
$61.6M
72.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.4%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.2M
48.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Sound Financial Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
31
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SFBC's balance between Growth (61.7%), Profitability (19.5%), and Safety (18.9%). Growth 62% Safety 19% Profitability 19%

Click axes to expand details. Marker shows current allocation.

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Growth

61th percentile vs peers
61
Key Signals
Rev Growth YoY 72.7% 66p Asset Growth YoY 9.9% 78p Revenue CAGR 3Y 15.6% 38p
Strengths
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

19th percentile vs peers
19
Key Signals
Strengths
Risks
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Safety

18th percentile vs peers
19
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Sound Financial Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$43.21
- - -
+5.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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