Sound Financial Bancorp (SFBC) Stock Price, News & Analysis

Company Overview

Sound Financial Bancorp, Inc. is the bank holding company for Sound Community Bank, a community-focused financial institution headquartered in Seattle, Washington. Through its banking subsidiary, the company serves individuals, families, businesses and nonprofit organizations in the Puget Sound region and surrounding areas of western Washington.

Sound Community Bank provides a range of traditional banking products and services, including deposit accounts, checking and savings products, certificates of deposit, residential mortgage lending, commercial real estate loans, construction financing, business loans and consumer credit. It also offers digital banking tools and other cash-management services designed to support personal and business banking customers.

The company has historically focused on relationship-based banking and local community involvement. Sound Financial Bancorp became a publicly traded company in 2013, following the mutual-to-stock conversion of Sound Community Bank’s predecessor organization. Its operations are primarily conducted through branch locations and digital channels serving communities in the greater Seattle and Puget Sound area.

Key Stats

• Today's Range: $47.80 to $48.90
• 50-Day Range: $43.75 to $48.90
• 52-Week Range: $40.68 to $49.21
• Volume: 6,618 shs
• Average Volume: 5,864 shs
• Market Capitalization: $125.67 million
• P/E Ratio: 15.67
• Dividend Yield: 1.72%
• Price Target: N/A
• Consensus Rating: Buy

Sound Financial Bancorp Stock Analysis - MarketRank™

Sound Financial Bancorp scored higher than 39% of companies evaluated by MarketBeat, and ranked 668th out of 835 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

Sound Financial Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Sound Financial Bancorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Sound Financial Bancorp is 15.67, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.67.

Price to Earnings Ratio vs. Sector

The P/E ratio of Sound Financial Bancorp is 15.67, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.31.

Price to Book Value per Share Ratio

Sound Financial Bancorp has a P/B Ratio of 1.15. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.28% of the float of Sound Financial Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Sound Financial Bancorp has a short interest ratio ("days to cover") of 2.07, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Sound Financial Bancorp has recently increased by 19.70%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Sound Financial Bancorp pays a meaningful dividend of 1.72%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Sound Financial Bancorp has only been increasing its dividend for 2 years.

Dividend Coverage

The dividend payout ratio of Sound Financial Bancorp is 26.92%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.9 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Sound Financial Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $38,340.00 in company stock.

Percentage Held by Insiders

12.30% of the stock of Sound Financial Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

68.85% of the stock of Sound Financial Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/28/2026
• Record date for 8/21 Dividend: 8/07/2026
• Ex-Dividend for 8/21 Dividend: 8/07/2026
• Dividend Payable: 8/21/2026
• Today: 9/20/2026
• Next Earnings (Estimated): 10/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:SFBC
• CIK: 1541119
• Web: www.soundcb.com
• Phone: (206) 448-0884
• Fax: N/A
• Employees: 92
• Year Founded: 1953

Profitability

• EPS (Trailing Twelve Months): $3.12
• Trailing P/E Ratio: 15.67
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $7.16 million
• Net Margins: 12.89%
• Pretax Margin: 15.64%
• Return on Equity: 7.31%
• Return on Assets: 0.74%

Debt

• Debt-to-Equity Ratio: 0.07
• Current Ratio: 1.08
• Quick Ratio: 1.08

Sales & Book Value

• Annual Sales: $61.52 million
• Price / Sales: 2.04
• Cash Flow: $3.41 per share
• Price / Cash Flow: 14.34
• Book Value: $42.63 per share
• Price / Book: 1.15

Miscellaneous

• Outstanding Shares: 2,570,000
• Free Float: 2,252,000
• Market Cap: $125.67 million
• Optionable: Not Optionable
• Beta: 0.01