Sound Financial Bancorp Net Income
| SFBC Stock | USD 43.98 0.27 0.61% |
As of the 4th of February, Sound Financial has the Coefficient Of Variation of 4759.61, semi deviation of 0.8075, and Risk Adjusted Performance of 0.016. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Sound Financial Bancorp, as well as the relationship between them.
Sound Financial Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.2585 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 5.3 M | 5 M | |
| Net Income Applicable To Common Shares | 10.1 M | 5.9 M | |
| Net Income From Continuing Ops | 5.3 M | 7.1 M | |
| Net Income Per Share | 2.80 | 1.47 | |
| Net Income Per E B T | 0.83 | 0.59 |
Sound | Net Income | Build AI portfolio with Sound Stock |
Analyzing Sound Financial's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Sound Financial's current valuation and future prospects.
Latest Sound Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Sound Financial Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Sound Financial Bancorp financial statement analysis. It represents the amount of money remaining after all of Sound Financial Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Sound Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Sound Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 4.64 M | 10 Years Trend |
|
Net Income |
| Timeline |
Sound Net Income Regression Statistics
| Arithmetic Mean | 5,469,235 | |
| Geometric Mean | 4,493,200 | |
| Coefficient Of Variation | 46.28 | |
| Mean Deviation | 1,991,454 | |
| Median | 5,141,858 | |
| Standard Deviation | 2,531,194 | |
| Sample Variance | 6.4T | |
| Range | 8.8M | |
| R-Value | 0.72 | |
| Mean Square Error | 3.3T | |
| R-Squared | 0.52 | |
| Significance | 0 | |
| Slope | 361,156 | |
| Total Sum of Squares | 102.5T |
Sound Net Income History
Other Fundumenentals of Sound Financial Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Sound Financial Net Income component correlations
Sound Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Sound Financial is extremely important. It helps to project a fair market value of Sound Stock properly, considering its historical fundamentals such as Net Income. Since Sound Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Sound Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Sound Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could Sound diversify its offerings? Factors like these will boost the valuation of Sound Financial. If investors know Sound will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Sound Financial data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.163 | Dividend Share 0.76 | Earnings Share 3 | Revenue Per Share | Quarterly Revenue Growth 0.006 |
Sound Financial Bancorp's market price often diverges from its book value, the accounting figure shown on Sound's balance sheet. Smart investors calculate Sound Financial's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Sound Financial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between Sound Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Sound Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Sound Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Sound Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Sound Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Sound Financial.
| 11/06/2025 |
| 02/04/2026 |
If you would invest 0.00 in Sound Financial on November 6, 2025 and sell it all today you would earn a total of 0.00 from holding Sound Financial Bancorp or generate 0.0% return on investment in Sound Financial over 90 days. Sound Financial is related to or competes with Lake Shore, Affinity Bancshares, Magyar Bancorp, Rhinebeck Bancorp, Riverview Bancorp, Provident Financial, and SB Financial. Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and ot... More
Sound Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Sound Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Sound Financial Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 0.8439 | |||
| Information Ratio | (0.05) | |||
| Maximum Drawdown | 6.34 | |||
| Value At Risk | (1.02) | |||
| Potential Upside | 0.9998 |
Sound Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Sound Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Sound Financial's standard deviation. In reality, there are many statistical measures that can use Sound Financial historical prices to predict the future Sound Financial's volatility.| Risk Adjusted Performance | 0.016 | |||
| Jensen Alpha | (0) | |||
| Total Risk Alpha | (0.04) | |||
| Sortino Ratio | (0.04) | |||
| Treynor Ratio | 0.0333 |
Sound Financial February 4, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.016 | |||
| Market Risk Adjusted Performance | 0.0433 | |||
| Mean Deviation | 0.5028 | |||
| Semi Deviation | 0.8075 | |||
| Downside Deviation | 0.8439 | |||
| Coefficient Of Variation | 4759.61 | |||
| Standard Deviation | 0.7827 | |||
| Variance | 0.6126 | |||
| Information Ratio | (0.05) | |||
| Jensen Alpha | (0) | |||
| Total Risk Alpha | (0.04) | |||
| Sortino Ratio | (0.04) | |||
| Treynor Ratio | 0.0333 | |||
| Maximum Drawdown | 6.34 | |||
| Value At Risk | (1.02) | |||
| Potential Upside | 0.9998 | |||
| Downside Variance | 0.7122 | |||
| Semi Variance | 0.6521 | |||
| Expected Short fall | (0.53) | |||
| Skewness | (0.88) | |||
| Kurtosis | 7.82 |
Sound Financial Bancorp Backtested Returns
Sound Financial Bancorp owns Efficiency Ratio (i.e., Sharpe Ratio) of -0.0234, which indicates the firm had a -0.0234 % return per unit of risk over the last 3 months. Sound Financial Bancorp exposes thirty different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please validate Sound Financial's Semi Deviation of 0.8075, coefficient of variation of 4759.61, and Risk Adjusted Performance of 0.016 to confirm the risk estimate we provide. The entity has a beta of 0.19, which indicates not very significant fluctuations relative to the market. As returns on the market increase, Sound Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Sound Financial is expected to be smaller as well. At this point, Sound Financial Bancorp has a negative expected return of -0.0164%. Please make sure to validate Sound Financial's kurtosis, market facilitation index, and the relationship between the semi variance and rate of daily change , to decide if Sound Financial Bancorp performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.29 |
Weak reverse predictability
Sound Financial Bancorp has weak reverse predictability. Overlapping area represents the amount of predictability between Sound Financial time series from 6th of November 2025 to 21st of December 2025 and 21st of December 2025 to 4th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Sound Financial Bancorp price movement. The serial correlation of -0.29 indicates that nearly 29.0% of current Sound Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.29 | |
| Spearman Rank Test | -0.37 | |
| Residual Average | 0.0 | |
| Price Variance | 0.09 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Sound Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
Based on the recorded statements, Sound Financial Bancorp reported net income of 4.64 M. This is 99.64% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 99.19% higher than that of the company.
Sound Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Sound Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Sound Financial could also be used in its relative valuation, which is a method of valuing Sound Financial by comparing valuation metrics of similar companies.Sound Financial is currently under evaluation in net income category among its peers.
Sound Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Sound Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Sound Financial's managers, analysts, and investors.Environmental | Governance | Social |
Sound Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Sound Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Sound Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Sound Financial's value.| Shares | Fny Investment Advisers, Llc | 2025-06-30 | 9.6 K | Arcus Capital Partners Llc | 2025-06-30 | 8.6 K | Pinnacle Holdings, Llc | 2025-06-30 | 7.7 K | Bridgeway Capital Management, Llc | 2025-06-30 | 6.4 K | Empowered Funds, Llc | 2025-06-30 | 6.4 K | Charles Schwab Investment Management Inc | 2025-06-30 | 6.4 K | Fj Capital Management Llc | 2025-06-30 | 6.2 K | Wellington Management Company Llp | 2025-06-30 | 5.9 K | Pacific Sage Partners Llc | 2025-06-30 | 5.4 K | Stilwell Value Llc | 2025-06-30 | 410 K | Blackrock Inc | 2025-06-30 | 101.4 K |
Sound Fundamentals
| Return On Equity | 0.0672 | ||||
| Return On Asset | 0.0069 | ||||
| Profit Margin | 0.18 % | ||||
| Operating Margin | 0.27 % | ||||
| Current Valuation | (4.72 M) | ||||
| Shares Outstanding | 2.39 M | ||||
| Shares Owned By Insiders | 17.44 % | ||||
| Shares Owned By Institutions | 42.10 % | ||||
| Number Of Shares Shorted | 40.54 K | ||||
| Price To Earning | 10.05 X | ||||
| Price To Book | 0.96 X | ||||
| Price To Sales | 2.71 X | ||||
| Revenue | 61.62 M | ||||
| Gross Profit | 38.76 M | ||||
| EBITDA | 8.67 M | ||||
| Net Income | 4.64 M | ||||
| Cash And Equivalents | 76.06 M | ||||
| Cash Per Share | 29.68 X | ||||
| Total Debt | 25.14 M | ||||
| Debt To Equity | 8.92 % | ||||
| Book Value Per Share | 42.89 X | ||||
| Cash Flow From Operations | 2.93 M | ||||
| Short Ratio | 6.27 X | ||||
| Earnings Per Share | 3.00 X | ||||
| Number Of Employees | 108 | ||||
| Beta | 0.096 | ||||
| Market Capitalization | 105.18 M | ||||
| Total Asset | 1.09 B | ||||
| Retained Earnings | 81.48 M | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 1.61 % | ||||
| Net Asset | 1.09 B | ||||
| Last Dividend Paid | 0.76 |
About Sound Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Sound Financial Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Sound Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Sound Financial Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether Sound Financial Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Sound Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Sound Financial Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Sound Financial Bancorp Stock:Check out You can also try the Instant Ratings module to determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Will Regional Banks sector continue expanding? Could Sound diversify its offerings? Factors like these will boost the valuation of Sound Financial. If investors know Sound will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Sound Financial data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.163 | Dividend Share 0.76 | Earnings Share 3 | Revenue Per Share | Quarterly Revenue Growth 0.006 |
Sound Financial Bancorp's market price often diverges from its book value, the accounting figure shown on Sound's balance sheet. Smart investors calculate Sound Financial's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Sound Financial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between Sound Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Sound Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Sound Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.