Sound Financial Bancorp Key Fundamental And Technical Indicators

Stocks . USA . 
Stock . Sound Financial Bancorp
SFBC Stock  USD 42.16  -0.08  -0.19%   
Standard valuation, profitability, and solvency ratios for Sound Financial are consolidated. At a P/E of 10.05 and a 19.29% profit margin, Sound Financial sits in this range among its peers. Return on equity is 7.04%. Currently, the RSI oscillator for Sound Financial is 0, signaling extreme oversold conditions. At these depths, Sound Financial appears to be approaching exhaustion on the sell side, though timing a reversal requires additional confirmation.
Momentum
OversoldOverbought
0 · Capitulated
On the 10th of May, Sound Financial is quoted at 42.16 per share. Observed technical values include Risk Adjusted Performance of -0.02, coefficient of variation of -3,966, and Variance of 2.37. The framework analyzes price history and volume dynamics to measure short- and intermediate-term momentum. Indicator readings are benchmarked against comparable companies.
Cycles Operators Shifting Impulse Patterns Depth Overlaps Statistics Volatility Volume
Tracking Sound Financial's financial statements over time enables identification of durable earnings growth. Core indicators shaping Sound Financial's market valuation are listed below: Sound investing in Sound Financial starts with understanding earnings trends and cash conversion cycles.
 Gross Profit
39.23 million
 Profit Margin
10.0%
 Market Capitalization
100.38 million
 Enterprise Value Revenue
3
 Revenue
39.23 million
There are over one hundred nineteen available fundamental gauges for Sound Financial Bancorp, which can be analyzed over time and compared to other ratios. Ensure to verify all of Sound Financial's recent performance against the performance from 2010 to 2026 to make sure the company is sustainable down the road. According to the filing dated December 31, 2025, Market Cap is holding steady around $111.57 million. Also, Enterprise Value is holding steady around $-5.42 million. Continue to Equity Screeners for broader equity screening tools. This expands the analysis beyond Sound Financial to a wider set of instruments.
Altman
Z Score
Details
Piotroski
F Score
Details
Beneish
M Score
Details
Profitability
Analysis
Details
Earnings
Projections
Details

Balance Sheet Accounts

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets$689.58 million$1.09 billion684.4 M
Consistent Growth
Short and Long Term Debt Total$39.16 million$21.47 million37 M
High Variability
Other Current Liabilities$553.69 million$948.88 million563.6 M
Consistent Growth
Total Current Liabilities$557.29 million$949.55 million567.5 M
Consistent Growth
Total Stockholder Equity$68.48 million$109.4 million69 M
Consistent Growth
Property Plant And Equipment Net$7.11 million$7.66 million7.2 M
Moderate Growth
Retained Earnings$45.6 million$81.48 million46.2 M
Consistent Growth
Non Current Assets Total$618.14 million$947.58 million609.8 M
Consistent Growth
Non Current Assets Other$49.19 million$31.04 million35.9 M
High Variability
Common Stock Shares Outstanding2.08 million2.58 million2.6 M
Moderate Decline
Liabilities And Stockholders Equity$689.58 million$1.09 billion684.4 M
Consistent Growth
Non Current Liabilities Total$46.4 million$33.23 million46.9 M
High Variability
Other Current Assets$3.22 million$3.39 million246.9 M
High Variability
Total Liabilities$621.1 million$982.77 million615.4 M
Consistent Growth
Total Current Assets$151.82 million$144.59 million79.4 M
Moderate Growth
Other Stockholder Equity$24.59 million$28.74 million23.8 M
Moderate Growth
Common Stock$20,999.11$22,50025.4 K
Moderate Decline
Intangible Assets$4.2 million$4.18 million3.9 M
Moderate Growth
Other Liabilities$7.13 million$10.77 million7.1 M
Consistent Growth
Accounts Payable$707,700$674,000291.7 K
Consistent Growth
Cash$70.92 million$138.45 million64.9 M
Moderate Growth
Other Assets$670.49 million$934.59 million613.1 M
Moderate Growth
Long Term Debt$32.41 million$17.8 million29.6 M
High Variability
Cash And Short Term Investments$80.08 million$140.82 million73.2 M
Moderate Growth
Net Receivables$2.39 million$3.77 million2.2 M
Consistent Growth
Common Stock Total Equity$20,800$23,40025.5 K
Moderate Decline
Property, Plant and Equipment (Gross)$10.6 million$17.49 million9.7 M
Consistent Growth
Property Plant Equipment$6.59 million$6.34 million6 M
High Variability
Short Term Investments$2.25 million$2.37 million8.1 M
High Variability
Net Tangible Assets$74.65 million$112.36 million71.5 M
Consistent Growth
Retained Earnings Total Equity$45.02 million$81.41 million46.4 M
Consistent Growth
Capital Surplus$27.64 million$32.2 million26.2 M
Moderate Growth
Long Term Investments$9.11 million$9.59 million270.5 M
Moderate Decline
Non Current Liabilities Other$51.94 million$66.48 million47.9 M
High Variability
Earning Assets$11.74 million$13.26 million11.2 M
Moderate Growth
Net Invested Capital$139.27 million$127.2 million126.3 M
Moderate Variation
Capital Stock$27,775$28,75025.5 K
Moderate Growth

Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization$1.24 million$1.82 million1.3 M
Moderate Growth
Interest Expense$23.76 million$22.63 million8.2 M
Moderate Growth
Total Revenue$37.38 million$61.62 million36.3 M
Consistent Growth
Other Operating Expenses$30.55 million$52.95 million29.1 M
Consistent Growth
Operating Income$6.82 million$8.67 million7.2 M
Moderate Growth
EBIT$6.67 million$6.49 million7.1 M
Moderate Growth
EBITDA$8 million$8.67 million8.4 M
Moderate Growth
Cost Of Revenue$11.41 million$22.76 million9.3 M
High Variability
Total Operating Expenses$19.9 million$30.19 million20.1 M
Consistent Growth
Income Before Tax$6.79 million$8.67 million7.2 M
Moderate Growth
Net Income$5.14 million$7.16 million5.5 M
Moderate Growth
Income Tax Expense$1.65 million$1.51 million1.8 M
High Variability
Selling General Administrative$12.91 million$18.45 million11.8 M
Consistent Growth
Gross Profit$30.83 million$38.86 million28.2 M
Consistent Growth
Net Income From Continuing Ops$7.15 million$7.16 million6.1 M
Moderate Growth
Tax Provision$1.65 million$1.51 million2.1 M
Moderate Decline
Net Interest Income$31.51 million$34.93 million26.2 M
Consistent Growth
Interest Income$41.51 million$57.56 million33.5 M
Consistent Growth
Reconciled Depreciation$1.56 million$1.51 million1.2 M
Moderate Growth
Selling And Marketing Expenses$376,016$433,550305.3 K
Moderate Growth

Cash Flow Statement Items

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Other Cashflows From Financing Activities$116.63 million$111.08 million51.8 M
High Variability
Capital Expenditures$161,500$170,000761.3 K
High Variability
Net Income$5.14 million$7.16 million5.5 M
Moderate Growth
End Period Cash Flow$145.38 million$138.45 million69.6 M
Moderate Growth
Stock Based Compensation$361,213$303,000330.3 K
High Variability
Begin Period Cash Flow$62.48 million$43.64 million57.1 M
High Variability
Depreciation$1.48 million$1.51 million1.4 M
Moderate Variation

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.42x1.81x1.9455
High Variability
Dividend Yield1.16%1.75%0.0144
Moderate Growth
PTB Ratio0.781.021.0442
Moderate Variation
Days Sales Outstanding17.322.3421.3695
Stable
Book Value Per Share44.9242.7828.2389
Consistent Growth
Stock Based Compensation To Revenue0x0x0.0091
High Variability
Capex To Depreciation$0.11$0.110.6835
High Variability
PB Ratio0.78x1.02x1.0442
Moderate Variation
ROIC0.030.050.0455
High Variability
Net Income Per Share1.472.82.1222
Moderate Growth
Payables Turnover47.833.7643.7087
Moderate Decline
Sales General And Administrative To Revenue0.37x0.3x0.3246
Moderate Variation
Capex To Revenue0x0x0.026
High Variability
Cash Per Share57.8255.0730.2132
Moderate Growth
Interest Coverage0.36x0.38x1.5723
High Variability
Payout Ratio16.00%27.20%0.2222
High Variability
Days Payables Outstanding8.5510.8110.5655
Moderate Growth
ROE0.050.070.0749
High Variability
PE Ratio19.44x15.59x17.3642
High Variability
Return On Tangible Assets0.010.010.0076
High Variability
Earnings Yield5.29%6.42%0.0737
High Variability
Intangibles To Total Assets$0.01$00.0058
High Variability
Current Ratio0.10.150.1226
High Variability
Tangible Book Value Per Share43.241.1526.7944
Consistent Growth
Receivables Turnover18.6516.3417.0531
Stable
Graham Number$26.32$51.9135.5155
Moderate Growth
Shareholders Equity Per Share44.9242.7828.2389
Consistent Growth
Debt To Equity0.19x0.2x0.5663
High Variability
Capex Per Share0.060.070.3022
High Variability
Revenue Per Share25.324.114.921
Consistent Growth
Interest-Bearing Debt Per Share13.2617.2517.199
High Variability
Debt To Assets0.02x0.02x0.0556
High Variability
Short Term Coverage Ratios0.28x0.41x0.2734
Moderate Growth
Price Earnings Ratio19.44x15.59x17.3642
High Variability
Operating Cycle$17.3$22.3421.3695
Stable
Price Book Value Ratio0.78x1.02x1.0442
Moderate Variation
Days Of Payables Outstanding8.5510.8110.5655
Moderate Growth
Dividend Payout Ratio16.00%27.20%0.2222
High Variability
Pretax Profit Margin14.00%14.07%0.1984
High Variability
Ebt Per Ebit$0.8$1.311.3823
Moderate Variation
Operating Profit Margin14.00%14.07%0.1983
High Variability
Effective Tax Rate$0.29$0.170.2522
High Variability
Company Equity Multiplier11.59x9.98x10.2722
Moderate Variation
Long Term Debt To Capitalization0.13x0.14x0.2978
Moderate Decline
Total Debt To Capitalization0.16x0.16x0.3348
High Variability
Return On Capital Employed0.040.060.0628
High Variability
Debt-to-Equity Ratio0.190.20.5663
High Variability
Ebit Per Revenue$0.14$0.140.1983
High Variability
Quick Ratio0.10.150.1226
High Variability
Net Income Per EBT$0.59$0.830.7407
Moderate Variation
Cash Ratio0.080.150.0992
High Variability
Days Of Sales Outstanding17.322.3421.3695
Stable
Free Cash Flow Operating Cash Flow Ratio1.030.980.941
High Variability
Price To Book Ratio0.78x1.02x1.0442
Moderate Variation
Fixed Asset Turnover7.358.046.3596
High Variability
Debt Ratio0.020.020.0556
High Variability
Price Sales Ratio1.42x1.81x1.9455
High Variability
Return On Assets0.53%0.66%0.0076
High Variability
Asset Turnover0.060.060.0544
Moderate Variation
Net Profit Margin10.00%11.62%0.1462
High Variability
Gross Profit Margin86.00%63.07%0.7816
Moderate Variation
Price Fair Value0.78x1.02x1.0442
Moderate Variation
Return On Equity5.29%6.54%0.0749
High Variability

Valuation Indicators

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap$117.14 million$111.57 million78.5 M
Consistent Growth

Core Fundamental Drivers

Return On Equity TTM Driver Correlations

The matrix identifies which financial accounts at Sound Financial share the strongest relationships with Return On Equity TTM. Highly correlated accounts often share underlying business drivers, while inverse relationships may reflect structural trade-offs.
Click cells to compare fundamentals
Competition

Sound Financial Accumulated Other Comprehensive Income

Accumulated Other Comprehensive Income

$-888,300
Accumulated Other Comprehensive Income stood at $-846,000 as of December 31, 2025.

Sound Financial Bancorp Fundamental Drivers Relationships

ROE stood at 0.05 as of December 31, 2025. Related reported metric: Return On Asset TTM at 0.53% as of December 31, 2025.

Main Technical Indicators as of May 10, 2026

Cycle Indicators
Math Operators
Math Transform
Momentum Indicators
Overlap Studies
Pattern Recognition
Price Transform
Statistic Functions
Volatility Indicators
Volume Indicators
Risk Adjusted Performance-0.02
Market Risk Adjusted Performance-0.20
Mean Deviation1.1
Coefficient Of Variation-3,966
Standard Deviation1.54
Variance2.37
Information Ratio-0.03
Jensen Alpha-0.05
Total Risk Alpha-0.05
Treynor Ratio-0.21
Maximum Drawdown8.24
Value At Risk-2.10
Potential Upside2.33
Skewness0.1097
Kurtosis1.46

Daily Market Strength Indicators

Accumulation/Distribution and Balance of Power for Sound Financial reveal whether buying or selling pressure dominates recent sessions. Balance of Power trending positive indicates that buyers are consistently closing Sound Financial near session highs. These signals help explain whether price direction and session structure are moving together for Sound Financial.
Accumulation Distribution0.0089
Daily Balance Of Power-0.21
Rate Of Daily Change1.0
Day Median Price42.34
Day Typical Price42.28
Market Facilitation Index0.38
Price Action Indicator-0.22
Period Momentum Indicator-0.08

Basic Forecasting Models

Relative Strength Index values for Sound Financial measure the speed and magnitude of recent price changes. Recognizing these clusters in Sound Financial's returns informs position size and stop-loss calibration. Candlestick pattern analysis of Sound Financial Stock daily data reveals short-term reversal or continuation signals.
Naive Prediction
Simple Exponential Smoothing
Double Exponential Smoothing
Triple Exponential Smoothing
Simple Regression
Polynomial Regression
Simple Moving Average
4 Period Moving Average
8 Period Moving Average
20 Period Moving Average

Sound Financial Related Equities

Investors studying Sound Financial often look at related stocks within the Financials space to gauge pricing and results. Checking Sound Financial against peers on P/E, margins, and return on equity helps put its position in context. Identifying peers that steadily beat or lag Sound Financial across many periods highlights durable competitive gaps.
 Risk & Return  Correlation

Return On Equity TTM Peer Comparison

Analyzing Sound Financial relative to its peers on Return On Equity TTM provides a clear view of competitive standing. Consistent deviation in Sound Financial's Return On Equity TTM relative to peers may signal mispricing or competitive advantages. The range of Return On Equity TTM values across Sound Financial peers indicates how much variation exists within the sector.
Sound Financial is currently under evaluation for return on equity ttm relative to top peers.

Important Fundamentals

Return On Equity TTM0.0704
Return On Asset TTM0.0069
Profit Margin TTM0.19
Operating Margin TTM0.22
Current Valuation-8.94 M
Shares Outstanding2.38 M
Shares Owned By Insiders17.21 %
Shares Owned By Institutions43.56 %
Number Of Shares Shorted83.06 K
Price To Earnings TTM10.05 X
Price To Book TTM0.89 X
Price To Sales TTM2.56 X
Revenue TTM61.62 M
Gross Profit TTM39.23 M
EBITDA TTM8.67 M
Net Income TTM7.16 M
Cash And Equivalents TTM76.06 M
Cash Per Share TTM29.68 X
Total Debt TTM21.47 M
Debt To Equity TTM8.92 %
Book Value Per Share TTM42.76 X
Cash Flow From Operations TTM7.16 M
Short Ratio TTM7.86 X
Earnings Per Share2.93 X
Number Of Employees92
Trailing Beta0.006
Market Capitalization TTM100.38 M
Total Asset TTM1.09 B
Retained Earnings TTM81.48 M
Annual Yield0.0199
Five Year Return1.61 %
Net Asset1.09 B
Last Dividend Paid0.78

Financial Metrics, Fundamentals & Methodology

Sound Financial is best assessed through earnings quality, cash generation, and balance-sheet capacity. Return on equity helps show how effectively management is turning capital into earnings. Sound Financial currently reports revenue of 61.62 million, positive EPS of 2.93, operating margin of 21.98% as of the latest reporting period.

Sound Financial Bancorp figures are aggregated from periodic company reporting and market reference feeds and normalized across reporting formats. Income statement, balance sheet, and cash-flow values follow GAAP or IFRS conventions as reported.

Editorial review and methodology oversight provided by: Vlad Skutelnik, Macroaxis Contributor


 
Tools
Analysis
Directory
Company
2026 Macroaxis LLC Made with in San Francisco
Privacy Terms Widgets Feedback
Macroaxis is not a registered investment advisor or broker/dealer. All investments, including stocks, funds, ETFs, or cryptocurrencies, are speculative and involve substantial risk of loss. We encourage our investors to invest carefully. Much of our information is derived directly from data published by companies or submitted to governmental agencies which we believe are reliable, but are without our independent verification. Therefore, we cannot assure you that the information is accurate or complete. We do not in any way warrant or guarantee the success of any action you take in reliance on our statements or recommendations. Also, note that past performance is not necessarily indicative of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual. There is no guarantee that systems, indicators, or signals will result in profits or that they will not result in losses. All investors are advised to fully understand all risks associated with any investing they choose to do. Hypothetical or simulated performance is not indicative of future results. We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown because hypothetical or simulated performance is not necessarily indicative of future results. For more information please visit our terms and conditions page.