BV Financial vs Sound Financial Bancorp
BVFL and SFBC side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BVFL and SFBC compare
BV Financial is the larger company, worth 1.5 times as much as Sound Financial Bancorp ($179M against $118M).
On earnings, BV Financial is cheaper: it trades at 13.6× trailing earnings, against 14.7× for Sound Financial Bancorp.
Sound Financial Bancorp grew revenue faster over the last twelve months (6.0% versus 3.1% for BV Financial).
BV Financial keeps more of each dollar of sales as profit, with a net margin of 32.0% compared with 19.9% at Sound Financial Bancorp.
Sound Financial Bancorp pays a dividend yielding 1.8%; BV Financial does not pay one.
Sound Financial Bancorp scores higher on the StockData Score (11 against 9 for BV Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BVFL | SFBC |
|---|---|---|
| Size and price | ||
| Market cap | $179M | $118M |
| Share price | $21.11 | $45.95 |
| Change, 1 year | 25.3% | 2.5% |
| Change, 5 years | 61.2% | 9.4% |
| Beta (5Y) | 0.24 | 0.09 |
| Employees | 99 | 92 |
| StockData Score | ||
| Total score | 9 | 11 (better) |
| Valuation score | 3 (better) | 1 |
| Growth score | 0 | 1 (better) |
| Performance score | 3 (better) | 2 |
| Health score | 3 | 3 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 13.6× (better) | 14.7× |
| P/S | 4.5× | 2.9× (better) |
| P/B | 1.0× (better) | 1.0× |
| P/FCF | 18.1× | 16.1× (better) |
| PEG | 5.04 | – |
| FCF yield | 5.5% | 6.2% (better) |
| Fair value | $21.19 | $44.83 |
| Margin of safety | 0.37% (better) | −2.5% |
| Growth | ||
| Revenue growth (TTM) | 3.1% | 6.0% (better) |
| Revenue growth, 5Y average | – | 2.2% |
| Net income growth (TTM) | 20.2% | 27.6% (better) |
| EPS growth (TTM) | 42.2% (better) | 28.4% |
| EPS growth, 5Y average | – | −4.1% |
| Profitability | ||
| Net margin | 32.0% (better) | 19.9% |
| FCF margin | 24.7% (better) | 18.2% |
| Return on equity | 6.8% | 7.4% (better) |
| Financial health | ||
| Altman Z-score | 0.41 (better) | 0.22 |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 1.8% |
| Payout ratio | – | 25.5% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | −1.0% |
| Buyback yield | 12.0% | – |
| Shareholder yield | 12.0% (better) | 1.8% |
| Ownership | ||
| Held by institutions | 38.0% | 45.6% |
| Held by insiders | 5.7% | 6.6% |
| Insider net buying, 12 months | −$1.1M | −$119K (better) |
| Short interest, % of float | 0.95% | 0.15% |
Go deeper
- BVFL stock overview
- BVFL income statement
- BVFL valuation and score
- SFBC stock overview
- SFBC income statement
- SFBC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.