Sound Financial Bancorp Inc (SFBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Sound Financial Bancorp Inc stock (SFBC) is currently trading at $45.64. Sound Financial Bancorp Inc PE ratio is 14.63. Sound Financial Bancorp Inc PS ratio (Price-to-Sales) is 2.71. WallStSmart rates SFBC as Underperform.
- SFBC PE ratio analysis and historical PE chart
- SFBC PS ratio (Price-to-Sales) history and trend
- SFBC intrinsic value — DCF, Graham Number, EPV models
- SFBC stock price prediction 2025 2026 2027 2028 2029 2030
- SFBC fair value vs current price
- SFBC insider transactions and insider buying
- Is SFBC undervalued or overvalued?
- Sound Financial Bancorp Inc financial analysis — revenue, earnings, cash flow
- SFBC Piotroski F-Score and Altman Z-Score
- SFBC analyst price target and Smart Rating
Sound Financial Bancorp Inc
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SFBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Sound Financial Bancorp Inc (SFBC)
SFBC trades at a significant discount to its Graham intrinsic value of $99.12, offering a 56% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Sound Financial Bancorp Inc (SFBC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Sound Financial Bancorp Inc (SFBC) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
Strong operational efficiency: $27 kept per $100 revenue
Strong profitability: $19 kept per $100 revenue
Supporting Valuation Data
Sound Financial Bancorp Inc (SFBC) Areas to Watch (6)
Revenue growing slowly at 0.60% annually
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Revenue is fairly priced at 2.71x sales
Solid earnings growth at 16.40%
Moderate institutional interest at 44.32%
Sound Financial Bancorp Inc (SFBC) Detailed Analysis Report
Overall Assessment
This company scores 54/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 8.7/10) while 6 fall into concern territory (avg 4.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Operating Margin, Profit Margin. Valuation metrics including Price/Book (0.96) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 27.00%, Profit Margin at 18.50%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (2.71) suggest expensive pricing. Growth concerns include Revenue Growth at 0.60%, EPS Growth at 16.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.72%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.72% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 0.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, Operating Margin) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SFBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SFBC's Price-to-Sales ratio of 2.71x trades 53% above its historical average of 1.77x (96th percentile), historically expensive. The current valuation is 11% below its historical high of 3.04x set in Aug 2018, and 529% above its historical low of 0.43x in Feb 2010. Over the past 12 months, the PS ratio has expanded from ~2.0x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Sound Financial Bancorp Inc (SFBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Sound Financial Bancorp Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 39M with 1% growth year-over-year. Profit margins of 18.5% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 2M in free cash flow and 2M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Sound Financial Bancorp Inc.
Bottom Line
Sound Financial Bancorp Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Sound Financial Bancorp Inc(SFBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Sound Financial Bancorp, Inc. is the banking holding company for Sound Community Bank providing banking and other financial services to consumers and businesses. The company is headquartered in Seattle, Washington.