Sound Financial Bancorp Inc (SFBC)

Sound Financial Bancorp Inc. is a bank holding company for Sound Community Bank, providing banking and related financial services to consumers and businesses. Through its banking operations, the company accepts a range of deposit products, including savings, money market, NOW, demand, and certificate of deposit accounts. Its lending activities cover residential mortgage loans secured by first and second liens, home equity loans and lines of credit, commercial and multifamily real estate lending, construction and land loans, and commercial business loans backed by receivables or inventory. The company also provides secured and unsecured consumer lending, including financing for manufactured homes, floating homes, automobiles, boats, recreational vehicles, and loans secured by deposit accounts. Founded in 1953, Sound Financial Bancorp is headquartered in Seattle, Washington.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-SFBC
$46.08
-4.3% Downside
Fair
Not available
Not available
Fair
1.7%
October 23, 2026
15.4x
1.1x
3.1x
123.2 M
8.1%
68.1%
-1.3
25.5%
91.6%
Valuation • Fair Value

Sound Financial Bancorp Inc (NASDAQ-SFBC) Fair Value by Valuation Model

Review the available estimates for Sound Financial Bancorp Inc (NASDAQ-SFBC), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$46.08

Estimated downside of 4.3% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$34.73

Classic Ben Graham valuation formula reference.

DDM Fair Value

$45.61

Dividend discount model valuation reference.

Comps Fair Value

$46.24

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for Sound Financial Bancorp Inc (NASDAQ-SFBC) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Sound Financial Bancorp Inc (NASDAQ-SFBC)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

40.262 M

Current operating scale indicator.

Revenue Forecast

40.121 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Sound Financial Bancorp Inc (NASDAQ-SFBC) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Sound Financial Bancorp Inc (NASDAQ-SFBC)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

7

Relatively strong quality score.

Altman Z-Score

-1.3

Lower score that deserves closer risk review.

FCF / Net Income

91.6%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Sound Financial Bancorp Inc (NASDAQ-SFBC). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Sound Financial Bancorp Inc (NASDAQ-SFBC)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 23, 2026

Days to Earnings

31

Dividend Yield

1.7%

Current income yield reference.

Payout Ratio

25.5%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Sound Financial Bancorp Inc (NASDAQ-SFBC), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for Sound Financial Bancorp Inc (NASDAQ-SFBC) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for Sound Financial Bancorp Inc (NASDAQ-SFBC) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Sound Financial Bancorp Inc (NASDAQ-SFBC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Sound Financial Bancorp Inc (NASDAQ-SFBC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Sound Financial Bancorp Inc (NASDAQ-SFBC) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

Sound Financial Bancorp Inc (NASDAQ-SFBC) Stock FAQ

Data-supported answers about Sound Financial Bancorp Inc (NASDAQ-SFBC), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$46.08
Estimated downside 4.3%
Valuation Rating
Overvalued
Estimated downside of 4.3%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Sound Financial Bancorp Inc (NASDAQ-SFBC) is $46.08. This implies an estimated downside of 4.3% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 4.3% versus the current market price.

The current financial health read for Sound Financial Bancorp Inc (NASDAQ-SFBC) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Sound Financial Bancorp Inc (NASDAQ-SFBC) is October 23, 2026.

Based on the current data, dividend yield is 1.7%.

The current P/E ratio listed for Sound Financial Bancorp Inc (NASDAQ-SFBC) is 15.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Sound Financial Bancorp Inc is 123.2 M.

The ticker symbol for Sound Financial Bancorp Inc is NASDAQ-SFBC, and the stock is listed on NASDAQ.

Sound Financial Bancorp Inc (NASDAQ-SFBC) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Sound Financial Bancorp Inc is 8.1%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Sound Financial Bancorp Inc is 68.1%. Free float helps investors understand how much of the share base is available for public trading.