Want to see SFBC full AI Analyst Report?
Sound Financial Bancorp (SFBC) AI Stock Analysis
Sound Financial Bancorp
(NASDAQ:SFBC)
The score is driven mainly by solid underlying financial health—especially a strengthening, low-leverage balance sheet and improved cash conversion—tempered by a meaningful TTM revenue decline. Technical indicators are neutral-to-soft with negative MACD and only modest trend support, while valuation is moderate with a mid-range P/E and a modest dividend yield.
Sound Financial Bancorp (SFBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $115.69M
- Dividend Yield
- 1.87%
- Average Volume (3M)
- 3,789
- Price to Earnings (P/E)
- 13.3
- Beta (1Y)
- 0.09
- Revenue Growth
- 0.49%
- EPS Growth
- 26.64%
- Country
- US
- Employees
- 107
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Sound Financial Bancorp Business Overview & Revenue Model
Company Description
Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It accepts various deposits products comprising savings, money market deposit...
How the Company Makes Money
SFBC makes money primarily through its banking subsidiary by earning net interest income and generating noninterest income. Net interest income is earned on the spread between (a) interest and fee income from loans (such as commercial real estate, co...
Sound Financial Bancorp Financial Statement Overview
Summary
Balance sheet strength is the key positive: leverage is conservative and improving (TTM debt-to-equity ~0.10) with steady equity growth, supporting resilience. Cash flow quality is also solid, with operating cash flow closely matching net income and free cash flow improving. The main offset is weaker growth, as TTM revenue declined ~20% and margins remain below earlier-cycle highs despite a recovery versus 2024.
Income Statement
64PositiveBalance Sheet
78PositiveCash Flow
72Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 62.12M | 61.62M | 62.06M | 55.60M | 44.38M | 41.22M |
| Gross Profit | 39.36M | 38.86M | 35.69M | 39.12M | 38.72M | 36.84M |
| EBITDA | 12.17M | 10.18M | 7.22M | 10.65M | 12.47M | 13.02M |
| Net Income | 8.04M | 7.16M | 4.64M | 7.44M | 8.80M | 9.16M |
Balance Sheet | ||||||
| Total Assets | 1.07B | 1.09B | 993.63M | 995.22M | 976.35M | 919.69M |
| Cash, Cash Equivalents and Short-Term Investments | 134.52M | 140.82M | 51.43M | 57.98M | 68.04M | 192.01M |
| Total Debt | 14.03M | 21.47M | 40.77M | 56.54M | 60.12M | 17.88M |
| Total Liabilities | 953.16M | 982.77M | 889.97M | 894.57M | 878.65M | 826.33M |
| Stockholders Equity | 112.57M | 109.40M | 103.67M | 100.65M | 97.70M | 93.36M |
Cash Flow | ||||||
| Free Cash Flow | 7.40M | 6.99M | 2.86M | 6.44M | 9.66M | 18.85M |
| Operating Cash Flow | 7.53M | 7.16M | 2.93M | 6.89M | 10.05M | 19.07M |
| Investing Cash Flow | 9.62M | -2.50M | -3.94M | -26.32M | -183.79M | -78.11M |
| Financing Cash Flow | 378.00K | 90.15M | -5.04M | 11.29M | 47.98M | 48.80M |
Sound Financial Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SFBC, the sentiment is Positive. The current price of 45.02 is above the 20-day moving average (MA) of 44.34, below the 50-day MA of 45.74, and above the 200-day MA of 44.04, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 50.96 is Neutral, neither overbought nor oversold. The STOCH value of 53.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SFBC.
Sound Financial Bancorp Risk Analysis
Sound Financial Bancorp disclosed 28 risk factors in its most recent earnings report. Sound Financial Bancorp reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksSound Financial Bancorp Peers Comparison
Overall Rating
SBFG72Outperform- SFBC65Neutral
UNB63Neutral
BSBK57Neutral
SRBK54Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SBFG | 72Outperform | $179.20M | 10.61 | 11.57% | 2.22% | 9.01% | 26.10% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SFBC | 65Neutral | $115.79M | 13.28 | 7.76% | 1.87% | 0.49% | 26.64% |
| UNB | 63Neutral | $112.52M | 8.73 | 15.07% | 6.27% | 3.17% | 5.55% |
| BSBK | 57Neutral | $119.92M | 43.83 | <0.01% | ― | 20.94% | 444.24% |
| SRBK | 54Neutral | $133.97M | 37.16 | 2.02% | 1.16% | 9.63% | 37.01% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SFBC | Sound Financial Bancorp, Inc. | 45.02 | 0.90 | 2.05% | |
| SBFG | SB Financial Group Inc | 28.43 | 7.89 | 38.42% | |
| UNB | Union Bankshares, Inc. | 22.96 | 1.05 | 4.82% | |
| BSBK | Bogota Financial Corp. | 9.38 | 1.01 | 12.07% | |
| SRBK | SR Bancorp, Inc. | 18.95 | 4.08 | 27.48% |
Sound Financial Bancorp Corporate Events
Sound Financial Bancorp Reports Q3 Earnings, Declares Dividend
PositiveOn October 27, 2026, Sound Financial Bancorp reported Q3 2026 net income of $2.3 million, or $0.90 per diluted share, down from the prior quarter but up from a year earlier, as net interest margin improved to 3.76% and the average cost of deposits fe...
Sound Financial Bancorp Posts Strong Q2 Results, Declares Dividend
PositiveOn July 28, 2026, Sound Financial Bancorp reported that second-quarter 2026 net income rose to $2.5 million, or $0.98 per diluted share, up from both the prior quarter and the same period in 2025, supported by higher net interest income, a stronger n...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 28, 2026