Sound Financial Bancorp, Inc. (SFBC) stock
SFBCNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 12, 2026Score 11/303% above fair value
$45.95+0.45 (+0.99%)
Close on Nov 13, 2026Market cap $118.00MP/E 14.7Yield 1.65%
Sound Financial Bancorp statistics
90 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 27, 2027 (estimated, during market hours)
- Last ex-dividend date
- Nov 6, 2026
- Fundamentals through
- Jun 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.05
- 1.52
- P/OCF Ratio
- 15.67
- 9.82
Enterprise valuationIndustry
- EV / Sales
- -0.05
- 2.95
- EV / FCF
- -0.28
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -0.05%
- 0.33%
- Shares Change (QoQ)
- 0.00%
- 0.00%
- Float
- 2M
- 17M
- Shares Held by Insiders
- 6.55%
- 6.05%
- Shares Held by Institutions
- 45.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 3,537
- –
- Short Interest Change
- -3.81%
- -4.13%
- Short % of Float
- 0.15%
- 3.58%
- Short % of Shares Outstanding
- 0.14%
- 3.18%
- Days to Cover
- 1.75
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $49.21
- –
- 52-Week Low
- $40.68
- –
- 20-Day Moving Average
- $45.04
- –
- 50-Day Moving Average
- $45.51
- –
- 200-Day Moving Average
- $44.30
- –
- Average True Range (14)
- $0.82
- –
- Price Change (1 Week)
- 2.07%
- 0.69%
- Price Change (1 Month)
- 5.56%
- 3.79%
- Price Change (3 Months)
- -0.76%
- -2.72%
- Price Change (6 Months)
- 8.96%
- 12.2%
- Price Change (YTD)
- 5.32%
- 19.9%
- Price Change (1 Year)
- 2.54%
- 25.7%
- Price Change (3 Years)
- 25.5%
- 65.1%
- Price Change (5 Years)
- 6.98%
- 26.9%
- Price Change (10 Years)
- 80.2%
- 66.8%
- Average Volume (10 Days)
- 1,602
- –
- Average Volume (20 Days)
- 1,827
- –
- Average Volume (90 Days)
- 7,889
- –
- Relative Volume
- 0.21
- 0.68
- Relative Strength Index (14)
- 58.2
- 53.1
- Volatility (1 Year)
- 25.6%
- 24.4%
- Beta (5 Years)
- 0.09
- 0.63
MarginsIndustry
- Pretax Margin
- 24.2%
- 37.0%
- FCF Margin
- 18.2%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 7.35%
- 10.7%
- Return on Assets (ROA)
- 0.76%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 6.03%
- 11.7%
- Net Income Growth (YoY)
- 27.6%
- 22.6%
- EPS Growth (YoY)
- 28.4%
- 21.6%
- FCF Growth (YoY)
- 57.5%
- 27.2%
- Revenue Growth (3Y CAGR)
- -0.83%
- 5.82%
- Revenue Growth (5Y CAGR)
- 2.17%
- 6.17%
- EPS Growth (3Y CAGR)
- -6.14%
- 1.31%
- EPS Growth (5Y CAGR)
- -4.13%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $438.32K
- $358.92K
- Profits Per Employee
- $87.32K
- $110.51K
- Employee Count
- 92
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $9.75M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $120.07M
- $165.09M
- Net Cash Per Share
- $46.76
- $8.07
- Equity (Book Value)
- $112.57M
- $570.13M
- Book Value Per Share
- $43.83
- $28.12
- Tangible Book Value
- $112.57M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$198.00K
- -$4.24M
- FCF Per Share
- $2.86
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 6.81%
- 8.29%
- FCF Yield
- 6.22%
- 9.18%
- Dividend Yield
- 1.65%
- 2.44%
- Shareholder Yield
- 1.65%
- 3.26%
- Dividend Per Share
- $0.76
- $0.92
- Dividend Growth (YoY)
- 0.00%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 25.5%
- 28.5%
- FCF Payout Ratio
- 28.0%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $1.72M
- $16.14M
- Effective Tax Rate
- 17.6%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $55.47
- $45.07
- Graham Upside
- 20.7%
- 18.8%
- Altman Z-Score
- 0.22
- 0.22
- Piotroski F-Score
- 5
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | SFBC | S&P 500 | Difference | SFBC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +7.8% | -3.0% | +10.9 pts | ||
| 3 months | -0.9% | -2.8% | +1.9 pts | ||
| Year to date | +7.3% | +11.5% | −4.2 pts | ||
| 1 year | +4.7% | +13.5% | −8.8 pts | ||
| 3 years | +35.4% | +77.7% | −42.3 pts | +10.6% | +21.1% |
| 5 years | +17.3% | +72.6% | −55.3 pts | +3.2% | +11.5% |
| 10 years | +121.2% | +308.2% | −187.0 pts | +8.3% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M SFBC shares were sold short on Oct 30, 2026, down 3.8% from the previous report, or 0.15% of the shares available to trade. At recent volumes it would take 1.8 days to buy them back. Over the last 20 sessions, 23.0% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 3,537 | -3.8% | 2,025 | 1.8 |
| Oct 15, 2026 | 3,677 | -5.3% | 2,654 | 1.4 |
| Sep 30, 2026 | 3,884 | -28.2% | 4,463 | 1.0 |
| Sep 15, 2026 | 5,410 | -13.6% | 8,207 | 1.0 |
| Aug 31, 2026 | 6,259 | +19.7% | 3,025 | 2.1 |
| Aug 14, 2026 | 5,229 | -41.5% | 26,114 | 1.0 |
| Jul 31, 2026 | 8,936 | -1.0% | 8,558 | 1.0 |
| Jul 15, 2026 | 9,027 | +22.4% | 13,633 | 1.0 |
| Jun 30, 2026 | 7,373 | -89.3% | 29,061 | 1.0 |
| Jun 15, 2026 | 68,771 | +15.8% | 5,075 | 13.6 |
| May 29, 2026 | 59,412 | -3.8% | 5,555 | 10.7 |
| May 15, 2026 | 61,789 | -21.7% | 3,591 | 17.2 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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