Logo image of SFBC

SOUND FINANCIAL BANCORP INC (SFBC) Stock Fundamental Analysis

NASDAQ:SFBC - Nasdaq - US83607A1007 - Common Stock - Currency: USD

50.56  -0.1 (-0.2%)

Fundamental Rating

2

Overall SFBC gets a fundamental rating of 2 out of 10. We evaluated SFBC against 405 industry peers in the Banks industry. SFBC may be in some trouble as it scores bad on both profitability and health. SFBC does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year SFBC was profitable.
SFBC had a positive operating cash flow in the past year.
Each year in the past 5 years SFBC has been profitable.
SFBC had a positive operating cash flow in 4 of the past 5 years.
SFBC Yearly Net Income VS EBIT VS OCF VS FCFSFBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M 10M 15M

1.2 Ratios

SFBC has a worse Return On Assets (0.35%) than 80.45% of its industry peers.
With a Return On Equity value of 3.82%, SFBC is not doing good in the industry: 82.46% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.35%
ROE 3.82%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.92%
ROE(3y)8.72%
ROE(5y)9.04%
ROIC(3y)N/A
ROIC(5y)N/A
SFBC Yearly ROA, ROE, ROICSFBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 11.19%, SFBC is doing worse than 80.95% of the companies in the same industry.
SFBC's Profit Margin has declined in the last couple of years.
SFBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 11.19%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.41%
PM growth 5Y-2.8%
GM growth 3YN/A
GM growth 5YN/A
SFBC Yearly Profit, Operating, Gross MarginsSFBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

More info and screens

3

2. Health

2.1 Basic Checks

SFBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SFBC has been reduced compared to 1 year ago.
Compared to 5 years ago, SFBC has more shares outstanding
The debt/assets ratio for SFBC has been reduced compared to a year ago.
SFBC Yearly Shares OutstandingSFBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 500K 1M 1.5M 2M 2.5M
SFBC Yearly Total Debt VS Total AssetsSFBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

The Debt to FCF ratio of SFBC is 2.54, which is a good value as it means it would take SFBC, 2.54 years of fcf income to pay off all of its debts.
SFBC has a Debt to FCF ratio (2.54) which is in line with its industry peers.
A Debt/Equity ratio of 0.11 indicates that SFBC is not too dependend on debt financing.
SFBC's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. SFBC outperforms 69.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.54
Altman-Z N/A
ROIC/WACCN/A
WACC13.74%
SFBC Yearly LT Debt VS Equity VS FCFSFBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SFBC Yearly Current Assets VS Current LiabilitesSFBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M

More info and screens

1

3. Growth

3.1 Past

SFBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -56.60%.
SFBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.96% yearly.
SFBC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.71%.
SFBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.89% yearly.
EPS 1Y (TTM)-56.6%
EPS 3Y-6.02%
EPS 5Y0.96%
EPS Q2Q%-1.28%
Revenue 1Y (TTM)-14.71%
Revenue growth 3Y3.6%
Revenue growth 5Y3.89%
Sales Q2Q%-1.54%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SFBC Yearly Revenue VS EstimatesSFBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
SFBC Yearly EPS VS EstimatesSFBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

More info and screens

0

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 33.26 indicates a quite expensive valuation of SFBC.
Compared to the rest of the industry, the Price/Earnings ratio of SFBC indicates a rather expensive valuation: SFBC more expensive than 86.22% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.62. SFBC is around the same levels.
Industry RankSector Rank
PE 33.26
Fwd PE N/A
SFBC Price Earnings VS Forward Price EarningsSFBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SFBC is valued a bit more expensive than 74.94% of the companies in the same industry.
Industry RankSector Rank
P/FCF 27.94
EV/EBITDA N/A
SFBC Per share dataSFBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)34.74
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

3

5. Dividend

5.1 Amount

SFBC has a Yearly Dividend Yield of 1.50%. Purely for dividend investing, there may be better candidates out there.
SFBC's Dividend Yield is slightly below the industry average, which is at 3.19.
SFBC's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 1.5%

5.2 History

On average, the dividend of SFBC grows each year by 6.28%, which is quite nice.
SFBC has been paying a dividend for at least 10 years, so it has a reliable track record.
SFBC has decreased its dividend recently.
Dividend Growth(5Y)6.28%
Div Incr Years1
Div Non Decr Years1
SFBC Yearly Dividends per shareSFBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

SFBC pays out 49.86% of its income as dividend. This is a bit on the high side, but may be sustainable.
SFBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP49.86%
EPS Next 2YN/A
EPS Next 3YN/A
SFBC Yearly Income VS Free CF VS DividendSFBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5M 10M 15M
SFBC Dividend Payout.SFBC Dividend Payout, showing the Payout Ratio.SFBC Dividend Payout.PayoutRetained Earnings

More info and screens

SOUND FINANCIAL BANCORP INC

NASDAQ:SFBC (2/20/2025, 8:00:01 PM)

50.56

-0.1 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2025-01-27
Earnings (Next)04-28 2025-04-28
Inst Owners36.63%
Inst Owner Change-58.64%
Ins Owners10.1%
Ins Owner Change0.57%
Market Cap129.43M
Analysts0
Price TargetN/A
Short Float %0.44%
Short Ratio4.17
Dividend
Industry RankSector Rank
Dividend Yield 1.5%
Yearly Dividend0.74
Dividend Growth(5Y)6.28%
DP49.86%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-12 2025-02-12 (0.19)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 33.26
Fwd PE N/A
P/S 3.71
P/FCF 27.94
P/OCF 26.41
P/B 1.27
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)1.52
EY3.01%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.81
FCFY3.58%
OCF(TTM)1.91
OCFY3.79%
SpS13.64
BVpS39.94
TBVpS38.11
PEG (NY)N/A
PEG (5Y)34.74
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 3.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.19%
GM N/A
FCFM 13.27%
ROA(3y)0.88%
ROA(5y)0.92%
ROE(3y)8.72%
ROE(5y)9.04%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.41%
PM growth 5Y-2.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 2.54
Debt/EBITDA N/A
Cap/Depr 40.39%
Cap/Sales 0.77%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 118.62%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.74%
ROIC/WACCN/A
Cap/Depr(3y)50.96%
Cap/Depr(5y)53.57%
Cap/Sales(3y)0.92%
Cap/Sales(5y)1.21%
Profit Quality(3y)134.16%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-56.6%
EPS 3Y-6.02%
EPS 5Y0.96%
EPS Q2Q%-1.28%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.71%
Revenue growth 3Y3.6%
Revenue growth 5Y3.89%
Sales Q2Q%-1.54%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-62%
FCF growth 3YN/A
FCF growth 5Y-7.84%
OCF growth 1Y-60.73%
OCF growth 3YN/A
OCF growth 5Y-7.79%