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Sound Financial Bancorp (SFBC) Competitors

Sound Financial Bancorp logo
$47.75 +0.15 (+0.32%)
As of 09/4/2026 04:00 PM Eastern

SFBC vs. FMAO, CBK, CZNC, CBAN, and FRBA

Should you buy Sound Financial Bancorp stock or one of its competitors? Sound Financial Bancorp's main competitors and comparable companies include Farmers & Merchants Bancorp (FMAO), Commercial Bancgroup (CBK), Citizens & Northern (CZNC), Colony Bankcorp (CBAN), and First Bank (FRBA). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Sound Financial Bancorp compare to Farmers & Merchants Bancorp?

Sound Financial Bancorp (NASDAQ:SFBC) and Farmers & Merchants Bancorp (NASDAQ:FMAO) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, earnings, media sentiment, risk, institutional ownership, valuation and profitability.

Sound Financial Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 1.8%. Farmers & Merchants Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 2.6%. Sound Financial Bancorp pays out 26.9% of its earnings in the form of a dividend. Farmers & Merchants Bancorp pays out 31.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Sound Financial Bancorp has increased its dividend for 2 consecutive years and Farmers & Merchants Bancorp has increased its dividend for 19 consecutive years. Farmers & Merchants Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Farmers & Merchants Bancorp has a net margin of 20.27% compared to Sound Financial Bancorp's net margin of 12.89%. Farmers & Merchants Bancorp's return on equity of 10.72% beat Sound Financial Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Sound Financial Bancorp12.89% 7.31% 0.74%
Farmers & Merchants Bancorp 20.27%10.72%1.16%

Sound Financial Bancorp has a beta of 0.01, suggesting that its share price is 99% less volatile than the broader market. Comparatively, Farmers & Merchants Bancorp has a beta of 0.8, suggesting that its share price is 20% less volatile than the broader market.

68.9% of Sound Financial Bancorp shares are owned by institutional investors. Comparatively, 24.0% of Farmers & Merchants Bancorp shares are owned by institutional investors. 12.3% of Sound Financial Bancorp shares are owned by company insiders. Comparatively, 7.3% of Farmers & Merchants Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Farmers & Merchants Bancorp has higher revenue and earnings than Sound Financial Bancorp. Farmers & Merchants Bancorp is trading at a lower price-to-earnings ratio than Sound Financial Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Sound Financial Bancorp$61.52M1.99$7.16M$3.1215.30
Farmers & Merchants Bancorp$126.49M3.84$33.31M$2.9112.12

Farmers & Merchants Bancorp has a consensus price target of $32.25, indicating a potential downside of 8.56%. Given Farmers & Merchants Bancorp's higher possible upside, analysts clearly believe Farmers & Merchants Bancorp is more favorable than Sound Financial Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Sound Financial Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Farmers & Merchants Bancorp
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.75

In the previous week, Farmers & Merchants Bancorp had 4 more articles in the media than Sound Financial Bancorp. MarketBeat recorded 5 mentions for Farmers & Merchants Bancorp and 1 mentions for Sound Financial Bancorp. Sound Financial Bancorp's average media sentiment score of 1.79 beat Farmers & Merchants Bancorp's score of 1.44 indicating that Sound Financial Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Sound Financial Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Farmers & Merchants Bancorp
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Farmers & Merchants Bancorp beats Sound Financial Bancorp on 12 of the 19 factors compared between the two stocks.

How does Sound Financial Bancorp compare to Commercial Bancgroup?

Sound Financial Bancorp (NASDAQ:SFBC) and Commercial Bancgroup (NASDAQ:CBK) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, media sentiment, earnings, institutional ownership, dividends, analyst recommendations, valuation and risk.

Commercial Bancgroup has a net margin of 30.07% compared to Sound Financial Bancorp's net margin of 12.89%. Commercial Bancgroup's return on equity of 14.06% beat Sound Financial Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Sound Financial Bancorp12.89% 7.31% 0.74%
Commercial Bancgroup 30.07%14.06%1.72%

Sound Financial Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 1.8%. Commercial Bancgroup pays an annual dividend of $0.40 per share and has a dividend yield of 1.1%. Sound Financial Bancorp pays out 26.9% of its earnings in the form of a dividend. Commercial Bancgroup pays out 13.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Sound Financial Bancorp has raised its dividend for 2 consecutive years. Sound Financial Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Commercial Bancgroup has higher revenue and earnings than Sound Financial Bancorp. Commercial Bancgroup is trading at a lower price-to-earnings ratio than Sound Financial Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Sound Financial Bancorp$61.52M1.99$7.16M$3.1215.30
Commercial Bancgroup$131.53M3.62$37.20M$2.9211.92

Commercial Bancgroup has a consensus price target of $39.50, indicating a potential upside of 13.51%. Given Commercial Bancgroup's higher possible upside, analysts plainly believe Commercial Bancgroup is more favorable than Sound Financial Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Sound Financial Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Commercial Bancgroup
1 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

68.9% of Sound Financial Bancorp shares are owned by institutional investors. 12.3% of Sound Financial Bancorp shares are owned by insiders. Comparatively, 36.2% of Commercial Bancgroup shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

In the previous week, Sound Financial Bancorp and Sound Financial Bancorp both had 1 articles in the media. Sound Financial Bancorp's average media sentiment score of 1.79 beat Commercial Bancgroup's score of 1.75 indicating that Sound Financial Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Sound Financial Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Commercial Bancgroup
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Summary

Commercial Bancgroup beats Sound Financial Bancorp on 9 of the 16 factors compared between the two stocks.

How does Sound Financial Bancorp compare to Citizens & Northern?

Citizens & Northern (NASDAQ:CZNC) and Sound Financial Bancorp (NASDAQ:SFBC) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their media sentiment, dividends, risk, analyst recommendations, earnings, valuation, profitability and institutional ownership.

In the previous week, Citizens & Northern had 3 more articles in the media than Sound Financial Bancorp. MarketBeat recorded 4 mentions for Citizens & Northern and 1 mentions for Sound Financial Bancorp. Sound Financial Bancorp's average media sentiment score of 1.79 beat Citizens & Northern's score of 1.74 indicating that Sound Financial Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens & Northern
2 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Sound Financial Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

30.8% of Citizens & Northern shares are owned by institutional investors. Comparatively, 68.9% of Sound Financial Bancorp shares are owned by institutional investors. 4.7% of Citizens & Northern shares are owned by insiders. Comparatively, 12.3% of Sound Financial Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Citizens & Northern has a beta of 0.4, suggesting that its share price is 60% less volatile than the broader market. Comparatively, Sound Financial Bancorp has a beta of 0.01, suggesting that its share price is 99% less volatile than the broader market.

Citizens & Northern has a net margin of 13.28% compared to Sound Financial Bancorp's net margin of 12.89%. Citizens & Northern's return on equity of 9.54% beat Sound Financial Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens & Northern13.28% 9.54% 1.04%
Sound Financial Bancorp 12.89%7.31%0.74%

Citizens & Northern has higher revenue and earnings than Sound Financial Bancorp. Sound Financial Bancorp is trading at a lower price-to-earnings ratio than Citizens & Northern, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens & Northern$170.03M2.75$23.43M$1.4817.64
Sound Financial Bancorp$61.52M1.99$7.16M$3.1215.30

Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.3%. Sound Financial Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 1.8%. Citizens & Northern pays out 75.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Sound Financial Bancorp pays out 26.9% of its earnings in the form of a dividend. Sound Financial Bancorp has raised its dividend for 2 consecutive years.

Citizens & Northern presently has a consensus target price of $23.50, indicating a potential downside of 10.00%. Given Citizens & Northern's higher possible upside, analysts plainly believe Citizens & Northern is more favorable than Sound Financial Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens & Northern
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25
Sound Financial Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

Summary

Citizens & Northern beats Sound Financial Bancorp on 11 of the 18 factors compared between the two stocks.

How does Sound Financial Bancorp compare to Colony Bankcorp?

Sound Financial Bancorp (NASDAQ:SFBC) and Colony Bankcorp (NYSE:CBAN) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, earnings, valuation, institutional ownership, risk, analyst recommendations, media sentiment and profitability.

Sound Financial Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 1.8%. Colony Bankcorp pays an annual dividend of $0.48 per share and has a dividend yield of 2.2%. Sound Financial Bancorp pays out 26.9% of its earnings in the form of a dividend. Colony Bankcorp pays out 29.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Sound Financial Bancorp has increased its dividend for 2 consecutive years and Colony Bankcorp has increased its dividend for 7 consecutive years. Colony Bankcorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Colony Bankcorp has a net margin of 15.42% compared to Sound Financial Bancorp's net margin of 12.89%. Colony Bankcorp's return on equity of 10.40% beat Sound Financial Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Sound Financial Bancorp12.89% 7.31% 0.74%
Colony Bankcorp 15.42%10.40%1.06%

Colony Bankcorp has a consensus target price of $23.00, suggesting a potential upside of 6.14%. Given Colony Bankcorp's stronger consensus rating and higher possible upside, analysts clearly believe Colony Bankcorp is more favorable than Sound Financial Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Sound Financial Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Colony Bankcorp
0 Sell rating(s)
0 Hold rating(s)
3 Buy rating(s)
1 Strong Buy rating(s)
3.25

68.9% of Sound Financial Bancorp shares are held by institutional investors. Comparatively, 50.4% of Colony Bankcorp shares are held by institutional investors. 12.3% of Sound Financial Bancorp shares are held by company insiders. Comparatively, 3.9% of Colony Bankcorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

In the previous week, Colony Bankcorp had 5 more articles in the media than Sound Financial Bancorp. MarketBeat recorded 6 mentions for Colony Bankcorp and 1 mentions for Sound Financial Bancorp. Sound Financial Bancorp's average media sentiment score of 1.79 beat Colony Bankcorp's score of 1.41 indicating that Sound Financial Bancorp is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Sound Financial Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Colony Bankcorp
5 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Colony Bankcorp has higher revenue and earnings than Sound Financial Bancorp. Colony Bankcorp is trading at a lower price-to-earnings ratio than Sound Financial Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Sound Financial Bancorp$61.52M1.99$7.16M$3.1215.30
Colony Bankcorp$151.63M3.03$28.25M$1.6513.13

Sound Financial Bancorp has a beta of 0.01, indicating that its stock price is 99% less volatile than the broader market. Comparatively, Colony Bankcorp has a beta of 0.54, indicating that its stock price is 46% less volatile than the broader market.

Summary

Colony Bankcorp beats Sound Financial Bancorp on 14 of the 20 factors compared between the two stocks.

How does Sound Financial Bancorp compare to First Bank?

First Bank (NASDAQ:FRBA) and Sound Financial Bancorp (NASDAQ:SFBC) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, institutional ownership, media sentiment, valuation, earnings, dividends, analyst recommendations and risk.

First Bank has a net margin of 17.45% compared to Sound Financial Bancorp's net margin of 12.89%. First Bank's return on equity of 9.57% beat Sound Financial Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
First Bank17.45% 9.57% 1.06%
Sound Financial Bancorp 12.89%7.31%0.74%

First Bank currently has a consensus target price of $19.67, suggesting a potential upside of 7.18%. Given First Bank's higher possible upside, research analysts clearly believe First Bank is more favorable than Sound Financial Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Bank
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60
Sound Financial Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

64.9% of First Bank shares are held by institutional investors. Comparatively, 68.9% of Sound Financial Bancorp shares are held by institutional investors. 13.1% of First Bank shares are held by insiders. Comparatively, 12.3% of Sound Financial Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

First Bank has higher revenue and earnings than Sound Financial Bancorp. First Bank is trading at a lower price-to-earnings ratio than Sound Financial Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Bank$245.83M1.87$43.66M$1.6910.86
Sound Financial Bancorp$61.52M1.99$7.16M$3.1215.30

In the previous week, First Bank had 1 more articles in the media than Sound Financial Bancorp. MarketBeat recorded 2 mentions for First Bank and 1 mentions for Sound Financial Bancorp. Sound Financial Bancorp's average media sentiment score of 1.79 beat First Bank's score of 1.58 indicating that Sound Financial Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
First Bank
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Sound Financial Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

First Bank pays an annual dividend of $0.36 per share and has a dividend yield of 2.0%. Sound Financial Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 1.8%. First Bank pays out 21.3% of its earnings in the form of a dividend. Sound Financial Bancorp pays out 26.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Sound Financial Bancorp has raised its dividend for 2 consecutive years. First Bank is clearly the better dividend stock, given its higher yield and lower payout ratio.

First Bank has a beta of 0.52, meaning that its share price is 48% less volatile than the broader market. Comparatively, Sound Financial Bancorp has a beta of 0.01, meaning that its share price is 99% less volatile than the broader market.

Summary

First Bank beats Sound Financial Bancorp on 12 of the 19 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding SFBC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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SFBC vs. The Competition

MetricSound Financial BancorpBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$122.24M$24.25B$14.28B$12.92B
Dividend Yield1.76%3.15%5.88%8.90%
P/E Ratio15.3027.3526.1725.42
Price / Sales1.999.60517.0397.12
Price / Cash13.9616.2039.5952.28
Price / Book1.091.392.136.17
Net Income$7.16M$2.58B$1.32B$349.50M
7 Day Performance2.03%1.39%3.83%-0.15%
1 Month Performance1.64%1.02%1.60%1.02%
1 Year Performance0.93%24.37%11.96%14.50%

Sound Financial Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
SFBC
Sound Financial Bancorp
2.8437 of 5 stars
$47.75
+0.3%
N/A+0.8%$122.24M$61.52M15.30140
FMAO
Farmers & Merchants Bancorp
3.7034 of 5 stars
$34.25
+1.0%
$32.25
-5.8%
+33.3%$471.62M$190.68M11.77430
CBK
Commercial Bancgroup
3.1185 of 5 stars
$34.09
+0.7%
$39.50
+15.9%
N/A$467.03M$131.53M11.67298
CZNC
Citizens & Northern
4.1897 of 5 stars
$25.69
+0.8%
$23.50
-8.5%
+27.9%$460.62M$170.03M17.36410
CBAN
Colony Bankcorp
4.3451 of 5 stars
$21.28
0.0%
$23.00
+8.1%
+25.3%$451.56M$190.23M12.90520

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This page (NASDAQ:SFBC) was last updated on 9/5/2026 by MarketBeat.com Staff.
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