Sound Financial Bancorp

NAQ:SFBC · US83607A1007

BanksX-Small

360

Medium confidence — indicative

Value37

Profit price47

Cash yield1

Sales & asset price76

Price/Sales82

Price/Book69

Quality57

Returns on capital69

Profit margins—

Cash backing39

Cash Conversion23

Accruals43

Owner Earnings Margin50

Growth37

Sales growth23

Profit growth62

Profit Growth67

Owner Earnings Growth56

Reinvestment30

Price momentum4

Safety52

Debt load94

Debt serviceability28

Liquidity5

Sentiment54

Analyst ratings—

Expectations trend—

Market mood1

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Sound Financial Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA

IndustryBanks

SizeX-Small

TypePublic Company

ExchangeNASDAQCM

Founded2012

Websitesoundcb.com

ISINUS83607A1007

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Description

Sound Financial Bancorp, Inc. (Sound Financial Bancorp) operates as the bank holding company for Sound Community Bank that provides various banking products and services. Substantially all of Sound Financial Bancorp's business is conducted through t…

Analysis

Middle-of-the-road

Sound Financial Bancorp, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.0×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Jun 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →