SFBC - Sound Financial Bancorp Inc Stock Price, Fair Value and News

39.35USD+0.05 (+0.13%)Market Closed

Market Summary

USD39.35+0.05

Market Closed

0.13%

SFBC Stock Price

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SFBC RSI Chart

SFBC Valuation

Market Cap

100.6M

Price/Earnings (Trailing)

16.66

Price/Sales (Trailing)

1.93

EV/EBITDA

-0.94

Price/Free Cashflow

15.7

SFBC Price/Sales (Trailing)

SFBC Profitability

EBT Margin

13.83%

Return on Equity

5.98%

Return on Assets

0.56%

Free Cashflow Yield

6.37%

SFBC Fundamentals

SFBC Revenue

Revenue (TTM)

52.2M

Rev. Growth (Yr)

13.03%

Rev. Growth (Qtr)

3.18%

SFBC Earnings

Earnings (TTM)

6.0M

Earnings Growth (Yr)

-64.48%

Earnings Growth (Qtr)

-36.39%

Breaking Down SFBC Revenue

Last 7 days

0.3%

Last 30 days

-2.2%

Last 90 days

-0.2%

Trailing 12 Months

7.4%

How does SFBC drawdown profile look like?

SFBC Financial Health

SFBC Investor Care

Dividend Yield

1.93%

Dividend/Share (TTM)

0.76

Buy Backs (1Y)

1.68%

Diluted EPS (TTM)

2.33

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	52.2M	0	0	0
2023	43.8M	47.2M	49.1M	50.6M
2022	34.1M	34.7M	36.3M	39.8M
2021	34.3M	34.0M	34.6M	33.9M
2020	34.4M	34.8M	34.7M	34.9M
2019	34.5M	34.7M	35.0M	34.6M
2018	28.3M	29.9M	31.1M	33.2M
2017	25.6M	26.0M	26.9M	27.4M
2016	23.1M	23.9M	24.4M	25.1M
2015	21.5M	21.7M	21.9M	22.5M
2014	20.2M	20.5M	21.0M	21.4M
2013	18.2M	18.5M	19.0M	19.6M
2012	18.4M	18.3M	18.3M	18.2M
2011	0	0	0	18.5M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Sound Financial Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 01, 2024	stilwell joseph	bought	50,817	39.00	1,303	-
Jan 26, 2024	sweeney james e	sold	-	-	-250	-
Jan 26, 2024	ochs wes	acquired	-	-	945	evp and cfo
Jan 26, 2024	carney robert f	acquired	-	-	250	-
Jan 26, 2024	mallon jennifer l	acquired	-	-	250	svp, chief accounting officer
Jan 26, 2024	stewart laura lee	acquired	-	-	243	president and ceo
Jan 26, 2024	myers tyler k	acquired	-	-	250	-
Jan 26, 2024	haddad david s jr	sold	-	-	-250	-
Jan 26, 2024	sexton heidi	acquired	-	-	945	executive vice president/coo
Jan 26, 2024	riojas rogelio	acquired	-	-	250	-

Which funds bought or sold SFBC recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	WELLINGTON MANAGEMENT GROUP LLP	unchanged	-	6,873	235,959	-%
May 15, 2024	MORGAN STANLEY	added	4.76	84.00	903	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	new	-	122	122	-%
May 15, 2024	Tower Research Capital LLC (TRC)	added	30.26	2,730	10,335	-%
May 15, 2024	Greenwich Investment Management, Inc.	reduced	-12.17	-43,000	476,000	0.37%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	4.02	60,637	910,252	0.02%
May 15, 2024	Royal Bank of Canada	sold off	-100	-1,000	-	-%
May 14, 2024	NORTHERN TRUST CORP	reduced	-7.49	-7,682	213,175	-%
May 14, 2024	FJ Capital Management LLC	unchanged	-	344,040	8,283,430	0.84%
May 14, 2024	M3F, Inc.	reduced	-0.54	144,000	3,959,000	1.40%

Are Funds Buying or Selling SFBC?

Are funds buying SFBC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own SFBC

No. of Funds

Unveiling Sound Financial Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 15, 2024	stilwell joseph	16.1%	410,019	SC 13D/A
Feb 14, 2024	m3 partners lp	3.81%	97,831	SC 13G/A
Feb 14, 2024	alliancebernstein l.p.	5.5%	140,892	SC 13G
Feb 09, 2024	sound financial bancorp, inc.	6.7%	169,647	SC 13G/A
Nov 03, 2023	stilwell joseph	15.4%	394,236	SC 13D/A
Aug 01, 2023	stilwell joseph	14.3%	368,291	SC 13D/A
May 12, 2023	stilwell joseph	13.1%	340,138	SC 13D/A
Feb 10, 2023	sound financial bancorp, inc.	6.0%	155,135	SC 13G/A
Feb 10, 2023	m3 partners lp	6.71%	173,407	SC 13G/A
Feb 08, 2023	fj capital management llc	7.88%	203,574	SC 13G/A

Recent SEC filings of Sound Financial Bancorp Inc

View All Filings

Date Filed	Form Type	Document
May 15, 2024	4	Insider Trading
May 14, 2024	10-Q	Quarterly Report
May 13, 2024	4	Insider Trading
Apr 30, 2024	8-K	Current Report
Apr 19, 2024	ARS	ARS
Apr 18, 2024	DEFA14A	DEFA14A
Apr 18, 2024	DEF 14A	DEF 14A
Mar 22, 2024	10-K	Annual Report
Feb 15, 2024	SC 13D/A	13D - Major Acquisition
Feb 14, 2024	SC 13G/A	Major Ownership Report

Peers (Alternatives to Sound Financial Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Sound Financial Bancorp Inc News

Latest updates

Sound Financial Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	3.2%	13,760	13,337	12,686	12,412	12,174	11,820	10,776	8,986	8,213	8,358	9,102	8,415	7,999	9,074	8,508	8,708	8,646	8,870	8,576	8,340	8,773
S&GA Expenses	-5.3%	1,457	1,538	1,625	1,491	1,441	1,536	1,610	1,436	1,299	1,732	1,466	1,361	1,206	1,352	1,390	1,326	1,394	1,424	1,397	1,450	1,634
EBITDA Margin	-11.3%	0.76*	0.86*	0.97*	1.08*	1.12*	1.18*	1.20*	1.23*	1.24*	1.24*	1.27*	1.23*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.4%	7,460	7,567	8,168	8,744	9,371	9,688	9,597	8,392	7,618	7,715	8,317	7,351	6,536	7,202	6,660	6,896	6,728	6,845	6,646	6,462	6,989
Income Taxes	14.8%	163	142	295	577	547	539	666	409	458	408	663	574	627	1,002	588	541	260	430	395	468	358
Earnings Before Taxes	-31.0%	933	1,353	1,464	3,469	2,715	3,461	3,212	2,023	2,181	2,270	3,255	2,825	3,078	4,495	2,923	2,669	1,241	2,300	1,943	2,285	1,802
EBT Margin	-22.2%	0.14*	0.18*	0.23*	0.27*	0.26*	0.27*	0.27*	0.28*	0.31*	0.34*	0.39*	0.39*	-	-	-	-	-	-	-	-	-
Net Income	-36.4%	770	1,211	1,169	2,892	2,168	2,922	2,546	1,614	1,723	1,862	2,592	2,251	2,451	3,494	2,335	2,128	981	1,870	1,548	1,817	1,444
Net Income Margin	-21.3%	0.12*	0.15*	0.19*	0.22*	0.21*	0.22*	0.21*	0.22*	0.25*	0.27*	0.31*	0.31*	-	-	-	-	-	-	-	-	-
Free Cashflow	-0.4%	1,896	1,903	2,900	-288	1,927	4,419	-116	2,533	2,820	6,974	-2,279	6,402	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	9.2%	1,087	995	1,030	1,011	1,004	976	982	937	959	920	928	923	937	861	867	872	738	720	715	686	698
Cash Equivalents	177.7%	138	50.00	102	100	82.00	58.00	76.00	80.00	197	184	207	237	270	194	116	131	62.00	56.00	59.00	80.00	73.00
Net PPE	27.6%	7.00	5.00	5.00	5.00	5.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	7.00	7.00	7.00	7.00	7.00	7.00
Liabilities	10.2%	986	895	930	911	906	879	887	844	865	826	836	834	849	776	785	791	659	642	639	611	625
Shareholder's Equity	0.3%	101	101	100	100	99.00	98.00	95.00	93.00	94.00	93.00	92.00	90.00	88.00	85.00	82.00	80.00	78.00	78.00	76.00	75.00	73.00
Retained Earnings	0.4%	74.00	74.00	73.00	73.00	71.00	71.00	68.00	66.00	66.00	65.00	64.00	62.00	60.00	58.00	55.00	53.00	51.00	51.00	50.00	49.00	47.00
Additional Paid-In Capital	0.4%	28.00	28.00	28.00	28.00	28.00	28.00	28.00	28.00	28.00	28.00	28.00	28.00	27.00	27.00	27.00	27.00	27.00	26.00	26.00	26.00	26.00
Shares Outstanding	0.4%	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	50.00	-	-	-	55.00	-	-	-	72.00	-	-	-	57.00	-	-	-	74.00	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	65.8%	3,519	2,122	2,963	-161	1,962	4,592	-58.00	2,616	2,904	7,026	-2,216	6,483	7,780	9,103	-7,067	761	-3,281	3,840	2,881	1,527	2,815
Share Based Compensation	15.9%	95.00	82.00	89.00	87.00	192	91.00	90.00	91.00	203	65.00	64.00	65.00	166	55.00	52.00	46.00	185	108	72.00	48.00	39.00
Cashflow From Investing	73.4%	-5,101	-19,147	-19,963	15,744	-2,958	-14,338	-46,840	-96,334	-26,277	-20,534	-30,572	-26,949	-54.00	77,515	-1,282	-64,035	-7,702	-9,030	-50,734	19,191	34,787
Cashflow From Financing	355.5%	89,869	-35,175	18,721	3,007	24,739	-8,482	42,911	-23,322	36,874	-9,604	2,675	-12,312	68,039	-8,552	-6,426	131,815	17,209	2,087	26,304	-12,832	-26,876
Dividend Payments	-0.4%	486	488	489	494	442	440	439	443	709	445	445	447	702	389	389	391	903	359	359	359	357
Buy Backs	-99.3%	5.00	738	228	1,162	9.00	-45.50	91.00	1,574	160	122	-	30.00	-	73.00	-	-	-	-	-	-	-

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SFBC Income Statement

2024-03-31

Condensed Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
INTEREST INCOME
Loans, including fees	$ 12,233	$ 11,381
Interest and dividends on investments, cash and cash equivalents	1,527	793
Total interest income	13,760	12,174
INTEREST EXPENSE
Deposits	5,703	2,136
Borrowings	429	499
Subordinated notes	168	168
Total interest expense	6,300	2,803
Net interest income	7,460	9,371
PROVISION FOR (RELEASE OF) CREDIT LOSSES	(33)	10
Net interest income after (release of) provision for credit losses	7,493	9,361
NONINTEREST INCOME
Service charges and fee income	612	581
Earnings on BOLI	177	151
Mortgage servicing income	282	299
Fair value adjustment on MSRs	(65)	(140)
Net gain on sale of loans	90	78
Total noninterest income	1,096	969
NONINTEREST EXPENSE
Salaries and benefits	4,543	4,485
Operations	1,457	1,441
Regulatory assessments	189	153
Occupancy	444	459
Data processing	1,017	993
Net loss on OREO and repossessed assets	6	84
Total noninterest expense	7,656	7,615
Income before provision for income taxes	933	2,715
Provision for income taxes	163	547
Net income	$ 770	$ 2,168
Earnings per common share:
Basic (in dollars per share)	$ 0.30	$ 0.84
Diluted (in dollars per share)	$ 0.30	$ 0.83
Weighted-average number of common shares outstanding:
Basic (in shares)	2,539,213	2,578,413
Diluted (in shares)	2,556,958	2,604,043

SFBC Balance Sheet

2024-03-31

Condensed Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 137,977	$ 49,690
Available-for-sale (“AFS”) securities, at fair value (amortized cost of $9,445 and $9,539 as of March 31, 2024 and December 31, 2023, respectively)	8,115	8,287
Held-to-maturity (“HTM”) securities, at amortized cost (fair value of $1,730 and $1,787 at March 31, 2024 and December 31, 2023, respectively)	2,157	2,166
Loans held-for-sale	351	603
Loans held-for-portfolio	897,877	894,478
Allowance for credit losses (“ACL”) on loans	(8,598)	(8,760)
Total loans held-for-portfolio, net	889,279	885,718
Accrued interest receivable	3,617	3,452
Bank-owned life insurance (“BOLI”), net	22,037	21,860
Other real estate owned (“OREO”) and repossessed assets, net	690	575
Mortgage servicing rights (“MSRs”), at fair value	4,612	4,632
Federal Home Loan Bank ("FHLB") stock, at cost	2,406	2,396
Premises and equipment, net	6,685	5,240
Right of use assets	4,259	4,496
Other assets	4,500	6,106
Total assets	1,086,685	995,221
Deposits
Interest-bearing	788,217	699,813
Noninterest-bearing demand	128,666	126,726
Total deposits	916,883	826,539
Borrowings	40,000	40,000
Accrued interest payable	719	817
Lease liabilities	4,576	4,821
Other liabilities	9,578	9,563
Advance payments from borrowers for taxes and insurance	2,209	1,110
Subordinated notes, net	11,728	11,717
Total liabilities	985,693	894,567
COMMITMENTS AND CONTINGENCIES (NOTE 7)	0	0
STOCKHOLDERS’ EQUITY
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $0.01 par value, 40,000,000 shares authorized, 2,558,546 and 2,549,427 shares issued and outstanding as of March 31, 2024 and December 31, 2023, respectively	25	25
Additional paid-in capital	28,110	27,990
Retained earnings	73,907	73,627
Accumulated other comprehensive loss, net of tax	(1,050)	(988)
Total stockholders’ equity	100,992	100,654
Total liabilities and stockholders’ equity	$ 1,086,685	$ 995,221

About Sound Financial Bancorp Inc

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, NOW, and demand accounts, as well as certificates of deposit. The company also offers loans secured by first and second mortgages on one-to four-family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats, and recreational vehicle loans, and loans secured by deposit accounts. It operates branch offices in Seattle, Tacoma, Mountlake Terrace, Sequim, Port Angeles, Port Ludlow, and University Place; and loan production office in the Madison Park neighborhood of Seattle, Washington. The company was founded in 1953 and is headquartered in Seattle, Washington.

CEO	Ms. Laura Lee Stewart
WEBSITE	soundcb.com
INDUSTRY	Banks Diversified
EMPLOYEES	130

Sound Financial Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Sound Financial Bancorp Inc? What does SFBC stand for in stocks?

SFBC is the stock ticker symbol of Sound Financial Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Sound Financial Bancorp Inc (SFBC)?

As of Fri May 17 2024, market cap of Sound Financial Bancorp Inc is 100.64 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of SFBC stock?

You can check SFBC's fair value in chart for subscribers.

What is the fair value of SFBC stock?

You can check SFBC's fair value in chart for subscribers. The fair value of Sound Financial Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Sound Financial Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for SFBC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Sound Financial Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether SFBC is over valued or under valued. Whether Sound Financial Bancorp Inc is cheap or expensive depends on the assumptions which impact Sound Financial Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for SFBC.

What is Sound Financial Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, SFBC's PE ratio (Price to Earnings) is 16.66 and Price to Sales (PS) ratio is 1.93. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. SFBC PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Sound Financial Bancorp Inc's stock?

In the past 10 years, Sound Financial Bancorp Inc has provided 0.104 (multiply by 100 for percentage) rate of return.