Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.58
SFBC's Cash to Debt is ranked lower than
56% of the 1178 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. SFBC: 1.58 )
Ranked among companies with meaningful Cash to Debt only.
SFBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.29  Med: 1.41 Max: N/A
Current: 1.58
Equity to Asset 0.10
SFBC's Equity to Asset is ranked lower than
59% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SFBC: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
SFBC' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.10 Max: 0.12
Current: 0.1
0.09
0.12
Interest Coverage 2.51
SFBC's Interest Coverage is ranked higher than
62% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. SFBC: 2.51 )
Ranked among companies with meaningful Interest Coverage only.
SFBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 2.07 Max: 2.71
Current: 2.51
0.44
2.71
F-Score: 4
M-Score: -2.61
WACC vs ROIC
4.89%
11.43%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 27.56
SFBC's Operating margin (%) is ranked lower than
59% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. SFBC: 27.56 )
Ranked among companies with meaningful Operating margin (%) only.
SFBC' s Operating margin (%) Range Over the Past 10 Years
Min: 9.9  Med: 22.26 Max: 28.23
Current: 27.56
9.9
28.23
Net-margin (%) 18.31
SFBC's Net-margin (%) is ranked lower than
64% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.36 vs. SFBC: 18.31 )
Ranked among companies with meaningful Net-margin (%) only.
SFBC' s Net-margin (%) Range Over the Past 10 Years
Min: 7.02  Med: 15.22 Max: 19.05
Current: 18.31
7.02
19.05
ROE (%) 8.56
SFBC's ROE (%) is ranked higher than
52% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.33 vs. SFBC: 8.56 )
Ranked among companies with meaningful ROE (%) only.
SFBC' s ROE (%) Range Over the Past 10 Years
Min: 4.95  Med: 8.03 Max: 9.03
Current: 8.56
4.95
9.03
ROA (%) 0.90
SFBC's ROA (%) is ranked higher than
51% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. SFBC: 0.90 )
Ranked among companies with meaningful ROA (%) only.
SFBC' s ROA (%) Range Over the Past 10 Years
Min: 0.4  Med: 0.82 Max: 0.96
Current: 0.9
0.4
0.96
Revenue Growth (3Y)(%) 6.80
SFBC's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. SFBC: 6.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SFBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.80 Max: 8.4
Current: 6.8
0
8.4
EBITDA Growth (3Y)(%) 16.60
SFBC's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. SFBC: 16.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SFBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 16.60 Max: 32
Current: 16.6
0
32
EPS Growth (3Y)(%) 22.60
SFBC's EPS Growth (3Y)(%) is ranked higher than
79% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SFBC: 22.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SFBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 22.60 Max: 39.9
Current: 22.6
0
39.9
» SFBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with SFBC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:CABC, OTCBB:PSBQ, NAS:AMRB, NAS:FCVA, NAS:SVBI, OTCPK:CLDB » details
Sound Financial Bancorp Inc through Sound Community Bank serves as a community-oriented financial institution providing to its customers traditional banking and other financial services.

Sound Financial Bancorp Inc is a full stock holding company for its wholly owned subsidiary, Sound Community Bank. On August 22, 2012, the Company completed its public offering and share exchange as part of the Bank's conversion from the mutual holding company structure and the elimination of Sound Financial, Inc. and Sound Community MHC. All of the Company's business is conducted through Sound Community Bank, which until December 28, 2012, was a federal savings bank subject to extensive regulation by the Office of the Comptroller of the Currency. On December 28, 2012, Sound Community Bank converted to a Washington state-chartered commercial bank. As a Washington commercial bank, the Bank's regulators are the Washington State Department of Financial Institutions and the Federal Deposit Insurance Corporation. Its main business consists of attracting retail deposits from the general public and investing those funds, along with borrowed funds, in loans secured by first and second mortgages on one- to four-family residences, commercial and multifamily, consumer and commercial business loans and, to a lesser extent, construction and land loans. It offers various secured and unsecured consumer loan products, including manufactured home loans, automobile loans, boat loans and recreational vehicle loans. As part of its business, the bank focus on residential mortgage loan originations, many of which it sell to Fannie Mae. It sells these loans with servicing retained to maintain the direct customer relationship and promote its emphasis on strong customer service. Its operating revenues are derived mainly from earnings on interest earning assets, service charges and fees, and gains on the sale of loans. Its primary sources of funds are deposits, Federal Home Loan Bank advances and other borrowings, and payments received on loans and securities. It offers a variety of deposit accounts that provides various interest rates and terms, generally including savings, money market, term certificate and demand accounts. Its serve the Puget Sound region in western Washington, including the Seattle Metropolitan Statistical Area, and Clallam County, Washington through its main office in Seattle, four branch offices, two of which are located in the Seattle MSA and two that are located in Clallam County, west of Puget Sound and a loan office in the Madison Park neighborhood of Seattle. The Company competes with US Bank, JP Morgan Chase, Wells Fargo, Bank of America, Key Bank, among others. The Bank is subject to applicable provisions of Washington law and to regulations and examinations of the WDFI.

Ratios

vs
industry
vs
history
P/E(ttm) 12.64
SFBC's P/E(ttm) is ranked higher than
51% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. SFBC: 12.64 )
Ranked among companies with meaningful P/E(ttm) only.
SFBC' s P/E(ttm) Range Over the Past 10 Years
Min: 10.23  Med: 11.45 Max: 13.4
Current: 12.64
10.23
13.4
PE(NRI) 12.91
SFBC's PE(NRI) is ranked lower than
51% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.69 vs. SFBC: 12.91 )
Ranked among companies with meaningful PE(NRI) only.
SFBC' s PE(NRI) Range Over the Past 10 Years
Min: 10.11  Med: 11.50 Max: 13.41
Current: 12.91
10.11
13.41
Price/Owner Earnings (ttm) 8.50
SFBC's Price/Owner Earnings (ttm) is ranked higher than
68% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.46 vs. SFBC: 8.50 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SFBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.52  Med: 8.42 Max: 13.25
Current: 8.5
7.52
13.25
P/B 1.05
SFBC's P/B is ranked higher than
50% of the 1655 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SFBC: 1.05 )
Ranked among companies with meaningful P/B only.
SFBC' s P/B Range Over the Past 10 Years
Min: 0.61  Med: 0.92 Max: 1.09
Current: 1.05
0.61
1.09
P/S 2.40
SFBC's P/S is ranked higher than
61% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. SFBC: 2.40 )
Ranked among companies with meaningful P/S only.
SFBC' s P/S Range Over the Past 10 Years
Min: 1.29  Med: 2.04 Max: 2.45
Current: 2.4
1.29
2.45
PFCF 9.05
SFBC's PFCF is ranked higher than
57% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.24 vs. SFBC: 9.05 )
Ranked among companies with meaningful PFCF only.
SFBC' s PFCF Range Over the Past 10 Years
Min: 2.69  Med: 5.89 Max: 22.66
Current: 9.05
2.69
22.66
POCF 7.19
SFBC's POCF is ranked higher than
60% of the 992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.94 vs. SFBC: 7.19 )
Ranked among companies with meaningful POCF only.
SFBC' s POCF Range Over the Past 10 Years
Min: 2.62  Med: 5.82 Max: 16.04
Current: 7.19
2.62
16.04
EV-to-EBIT 5.77
SFBC's EV-to-EBIT is ranked higher than
85% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SFBC: 5.77 )
Ranked among companies with meaningful EV-to-EBIT only.
SFBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.7  Med: 7.50 Max: 13.5
Current: 5.77
4.7
13.5
EV-to-EBITDA 4.86
SFBC's EV-to-EBITDA is ranked higher than
87% of the 1514 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.89 vs. SFBC: 4.86 )
Ranked among companies with meaningful EV-to-EBITDA only.
SFBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4  Med: 6.30 Max: 10.4
Current: 4.86
4
10.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.14
SFBC's Dividend Yield is ranked lower than
87% of the 2222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. SFBC: 1.14 )
Ranked among companies with meaningful Dividend Yield only.
SFBC' s Dividend Yield Range Over the Past 10 Years
Min: 0.33  Med: 1.05 Max: 1.18
Current: 1.14
0.33
1.18
Dividend Payout 0.14
SFBC's Dividend Payout is ranked higher than
86% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SFBC: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
SFBC' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.13 Max: 0.17
Current: 0.14
0.11
0.17
Forward Dividend Yield 1.27
SFBC's Forward Dividend Yield is ranked lower than
88% of the 2081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. SFBC: 1.27 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.14
SFBC's Yield on cost (5-Year) is ranked lower than
87% of the 2484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. SFBC: 1.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SFBC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.33  Med: 1.05 Max: 1.18
Current: 1.14
0.33
1.18
3-Year Average Share Buyback Ratio 1.60
SFBC's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. SFBC: 1.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SFBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 1.1  Med: 1.60 Max: 0
Current: 1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
SFBC's Price/Tangible Book is ranked lower than
51% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. SFBC: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
SFBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.65  Med: 0.98 Max: 1.09
Current: 1.12
0.65
1.09
Price/Median PS Value 1.18
SFBC's Price/Median PS Value is ranked lower than
72% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. SFBC: 1.18 )
Ranked among companies with meaningful Price/Median PS Value only.
SFBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.64  Med: 1.00 Max: 1.15
Current: 1.18
0.64
1.15
Price/Graham Number 0.80
SFBC's Price/Graham Number is ranked higher than
52% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SFBC: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
SFBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.55  Med: 0.69 Max: 0.78
Current: 0.8
0.55
0.78
Earnings Yield (Greenblatt) (%) 17.30
SFBC's Earnings Yield (Greenblatt) (%) is ranked higher than
87% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. SFBC: 17.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SFBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 7.4  Med: 13.30 Max: 21.1
Current: 17.3
7.4
21.1

More Statistics

Revenue (TTM) (Mil) $25.36
EPS (TTM) $ 1.87
Beta0.39
Short Percentage of Float0.09%
52-Week Range $18.50 - 23.90
Shares Outstanding (Mil)2.48
» More Articles for SFBC

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
SOUND FINANCIAL BANCORP, INC. Financials May 21 2016
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers,... May 16 2016
SOUND FINANCIAL BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 13 2016
Sound Financial Bancorp, Inc. :SFBC-US: Earnings Analysis: Q1, 2016 By the Numbers May 05 2016
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... May 02 2016
Sound Financial Bancorp, Inc. Corrects Record Date for Cash Dividend on Common Stock Apr 29 2016
Sound Financial Bancorp, Inc. Reports First Quarter Net Income of $1.1 million or $0.43 per diluted... Apr 28 2016
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Apr 19 2016
SOUND FINANCIAL BANCORP, INC. Files SEC form 10-K, Annual Report Mar 30 2016
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Other Events Mar 14 2016
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 04 2016
Sound Financial Bancorp, Inc. Earnings Analysis: 2015 By the Numbers Feb 04 2016
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers,... Nov 27 2015
SOUND FINANCIAL BANCORP, INC. Files SEC form 10-Q, Quarterly Report Nov 13 2015
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 03 2015
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Other Events Sep 23 2015
Sound Financial Bancorp, Inc. Earnings Q2, 2015 Aug 27 2015
SOUND FINANCIAL BANCORP, INC. Files SEC form 10-Q, Quarterly Report Aug 13 2015
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Aug 03 2015
SOUND FINANCIAL BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 05 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)