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Sound Financial Bancorp, Inc. SFBC

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Price alert · SFBC

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45.77 USD +0.77 (+1.71%)

At closeNov 4, 2026, 4:00 PM EST

45.50 -0.27 -0.59%

After hours · Nov 4, 4:00 PM ET

45.77 Day range 46.20
40.68 52-week range 49.21
YTD
+4.90%
1 year
+4.50%

Financial health

Altman Z-Score

13.08 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 15.6×
FY 2016: 13.0×FY 2017: 16.6×FY 2018: 11.5×FY 2019: 13.6×FY 2020: 9.2×FY 2021: 12.6×FY 2022: 11.5×FY 2023: 13.5×FY 2024: 29.1×FY 2025: 15.6×
FY 2016 5y median 13.5× FY 2025
P/S 1.8×
FY 2016: 2.3×FY 2017: 2.7×FY 2018: 2.2×FY 2019: 2.4×FY 2020: 1.9×FY 2021: 2.8×FY 2022: 2.3×FY 2023: 1.7×FY 2024: 2.2×FY 2025: 1.8×
FY 2016 5y median 2.2× FY 2025
P/B 1.0×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 1.2×FY 2020: 1.0×FY 2021: 1.2×FY 2022: 1.0×FY 2023: 0.9×FY 2024: 1.3×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 16.0×
FY 2016: 11.3×FY 2017: 19.6×FY 2018: 8.4×FY 2019: 8.7×FY 2020: -92.4×FY 2021: 6.1×FY 2022: 10.5×FY 2023: 14.4×FY 2024: 46.9×FY 2025: 16.0×
FY 2016 5y median 14.4× FY 2025
EV/EBITDA -0.5×
FY 2016: 7.9×FY 2017: 9.1×FY 2018: 10.6×FY 2019: 5.1×FY 2020: -7.1×FY 2021: -3.9×FY 2022: 8.3×FY 2023: 9.4×FY 2024: 18.1×FY 2025: -0.5×
FY 2016 5y median 8.3× FY 2025
EV/Sales -0.1×
FY 2016: 2.3×FY 2017: 2.7×FY 2018: 2.8×FY 2019: 1.3×FY 2020: -2.2×FY 2021: -1.2×FY 2022: 2.3×FY 2023: 1.8×FY 2024: 2.1×FY 2025: -0.1×
FY 2016 5y median 1.8× FY 2025
FCF Yield 6.3%
FY 2016: 8.8%FY 2017: 5.1%FY 2018: 11.9%FY 2019: 11.4%FY 2020: -1.1%FY 2021: 16.4%FY 2022: 9.5%FY 2023: 6.9%FY 2024: 2.1%FY 2025: 6.3%
FY 2016 5y median 6.9% FY 2025

Profitability

Gross Margin 63.1%
FY 2016: 88.8%FY 2017: 87.6%FY 2018: 84.3%FY 2019: 80.6%FY 2020: 80.2%FY 2021: 89.4%FY 2022: 87.3%FY 2023: 70.3%FY 2024: 57.5%FY 2025: 63.1%
FY 2016 5y median 70.3% FY 2025
Operating Margin 14.1%
FY 2016: 26.8%FY 2017: 26.3%FY 2018: 23.4%FY 2019: 21.6%FY 2020: 26.7%FY 2021: 27.7%FY 2022: 24.5%FY 2023: 16.2%FY 2024: 9.1%FY 2025: 14.1%
FY 2016 5y median 16.2% FY 2025
Net Margin 11.6%
FY 2016: 17.8%FY 2017: 16.4%FY 2018: 18.8%FY 2019: 17.3%FY 2020: 21.1%FY 2021: 22.2%FY 2022: 19.8%FY 2023: 13.4%FY 2024: 7.5%FY 2025: 11.6%
FY 2016 5y median 13.4% FY 2025
ROE 6.5%
FY 2016: 8.9%FY 2017: 7.9%FY 2018: 9.8%FY 2019: 8.6%FY 2020: 10.5%FY 2021: 9.8%FY 2022: 9.0%FY 2023: 7.4%FY 2024: 4.5%FY 2025: 6.5%
FY 2016 5y median 7.4% FY 2025
ROIC 5.0%
FY 2016: 4.5%FY 2017: 3.9%FY 2018: 4.3%FY 2019: 6.5%FY 2020: 7.9%FY 2021: 7.6%FY 2022: 5.3%FY 2023: 4.4%FY 2024: 3.0%FY 2025: 5.0%
FY 2016 5y median 5.0% FY 2025
ROA 0.7%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 1.0%FY 2019: 0.9%FY 2020: 1.0%FY 2021: 1.0%FY 2022: 0.9%FY 2023: 0.7%FY 2024: 0.5%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue -0.7%
FY 2016: 10.1%FY 2017: 3.4%FY 2018: 19.8%FY 2019: 3.2%FY 2020: 9.9%FY 2021: -2.7%FY 2022: 7.7%FY 2023: 25.3%FY 2024: 11.6%FY 2025: -0.7%
FY 2016 FY 2025
Operating Income 53.6%
FY 2016: 14.0%FY 2017: 1.5%FY 2018: 6.7%FY 2019: -4.7%FY 2020: 36.0%FY 2021: 0.9%FY 2022: -4.8%FY 2023: -17.2%FY 2024: -37.3%FY 2025: 53.6%
FY 2016 FY 2025
EPS (diluted) 54.4%
FY 2016: 12.4%FY 2017: -4.3%FY 2018: 37.0%FY 2019: -5.5%FY 2020: 33.2%FY 2021: 1.2%FY 2022: -3.4%FY 2023: -15.1%FY 2024: -37.1%FY 2025: 54.4%
FY 2016 FY 2025
Free Cash Flow 144.8%
FY 2016: 132.7%FY 2017: -29.2%FY 2018: 122.6%FY 2019: 7.5%FY 2020: -108.6%FY 2021: 2215.4%FY 2022: -48.8%FY 2023: -33.3%FY 2024: -55.7%FY 2025: 144.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.9×FY 2017: 0.9×FY 2018: 1.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.4×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA -11.5×
FY 2016: 0.0×FY 2017: -0.2×FY 2018: 2.3×FY 2019: -4.1×FY 2020: -13.3×FY 2021: -12.7×FY 2022: 0.2×FY 2023: 0.6×FY 2024: -0.4×FY 2025: -11.5×
FY 2016 5y median -0.4× FY 2025
Interest Coverage 0.4×
FY 2016: 2.8×FY 2017: 2.4×FY 2018: 1.6×FY 2019: 1.1×FY 2020: 1.5×FY 2021: 2.9×FY 2022: 2.4×FY 2023: 0.5×FY 2024: 0.2×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 1.7%
FY 2016: 1.1%FY 2017: 1.8%FY 2018: 1.7%FY 2019: 1.6%FY 2020: 2.5%FY 2021: 1.8%FY 2022: 2.0%FY 2023: 2.1%FY 2024: 1.5%FY 2025: 1.7%
FY 2016 5y median 1.8% FY 2025
Payout Ratio 27.2%
FY 2016: 13.9%FY 2017: 29.4%FY 2018: 19.4%FY 2019: 21.5%FY 2020: 23.2%FY 2021: 22.3%FY 2022: 23.1%FY 2023: 25.7%FY 2024: 42.0%FY 2025: 27.2%
FY 2016 5y median 25.7% FY 2025

Annual · latest fiscal year ends 2025-12-31