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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 : 7/10

vs
industry
vs
history
Cash to Debt 1.30
SFBC's Cash to Debt is ranked higher than
50% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. SFBC: 1.30 )
Ranked among companies with meaningful Cash to Debt only.
SFBC' s 10-Year Cash to Debt Range
Min: 0.29  Med: 1.30 Max: N/A
Current: 1.3
Equity to Asset 0.10
SFBC's Equity to Asset is ranked lower than
57% of the 1355 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 10-Year Equity to Asset Range
Min: 0.09  Med: 0.11 Max: 0.12
Current: 0.1
0.09
0.12
Interest Coverage 2.71
SFBC's Interest Coverage is ranked higher than
65% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SFBC: 2.71 )
Ranked among companies with meaningful Interest Coverage only.
SFBC' s 10-Year Interest Coverage Range
Min: 0.44  Med: 1.64 Max: 2.71
Current: 2.71
0.44
2.71
F-Score: 3
WACC vs ROIC
6.30%
9.43%
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 (%) 28.27
SFBC's Operating margin (%) is ranked lower than
56% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. SFBC: 28.27 )
Ranked among companies with meaningful Operating margin (%) only.
SFBC' s 10-Year Operating margin (%) Range
Min: 9.9  Med: 18.63 Max: 28.23
Current: 28.27
9.9
28.23
Net-margin (%) 18.37
SFBC's Net-margin (%) is ranked lower than
63% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. SFBC: 18.37 )
Ranked among companies with meaningful Net-margin (%) only.
SFBC' s 10-Year Net-margin (%) Range
Min: 7.02  Med: 12.71 Max: 18.19
Current: 18.37
7.02
18.19
ROE (%) 8.83
SFBC's ROE (%) is ranked higher than
52% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. SFBC: 8.83 )
Ranked among companies with meaningful ROE (%) only.
SFBC' s 10-Year ROE (%) Range
Min: 5.58  Med: 8.03 Max: 8.76
Current: 8.83
5.58
8.76
ROA (%) 0.92
SFBC's ROA (%) is ranked higher than
54% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SFBC: 0.92 )
Ranked among companies with meaningful ROA (%) only.
SFBC' s 10-Year ROA (%) Range
Min: 0.46  Med: 0.82 Max: 0.96
Current: 0.92
0.46
0.96
» SFBC's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 11.86
SFBC's P/E(ttm) is ranked higher than
59% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. SFBC: 11.86 )
Ranked among companies with meaningful P/E(ttm) only.
SFBC' s 10-Year P/E(ttm) Range
Min: 10.23  Med: 11.28 Max: 13.4
Current: 11.86
10.23
13.4
PE(NRI) 11.90
SFBC's PE(NRI) is ranked higher than
57% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SFBC: 11.90 )
Ranked among companies with meaningful PE(NRI) only.
SFBC' s 10-Year PE(NRI) Range
Min: 10.11  Med: 11.33 Max: 13.24
Current: 11.9
10.11
13.24
P/B 0.98
SFBC's P/B is ranked higher than
58% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SFBC: 0.98 )
Ranked among companies with meaningful P/B only.
SFBC' s 10-Year P/B Range
Min: 0.61  Med: 0.91 Max: 1.09
Current: 0.98
0.61
1.09
P/S 2.18
SFBC's P/S is ranked higher than
67% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. SFBC: 2.18 )
Ranked among companies with meaningful P/S only.
SFBC' s 10-Year P/S Range
Min: 1.29  Med: 2.01 Max: 2.45
Current: 2.18
1.29
2.45
POCF 13.13
SFBC's POCF is ranked lower than
70% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. SFBC: 13.13 )
Ranked among companies with meaningful POCF only.
SFBC' s 10-Year POCF Range
Min: 2.62  Med: 5.20 Max: 14.74
Current: 13.13
2.62
14.74
EV-to-EBIT 6.53
SFBC's EV-to-EBIT is ranked higher than
86% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. SFBC: 6.53 )
Ranked among companies with meaningful EV-to-EBIT only.
SFBC' s 10-Year EV-to-EBIT Range
Min: 4.7  Med: 9.60 Max: 13.5
Current: 6.53
4.7
13.5
Days Sales Outstanding 22.30
SFBC's Days Sales Outstanding is ranked higher than
75% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. SFBC: 22.30 )
Ranked among companies with meaningful Days Sales Outstanding only.
SFBC' s 10-Year Days Sales Outstanding Range
Min: 22.43  Med: 23.45 Max: 24.65
Current: 22.3
22.43
24.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.07
SFBC's Dividend Yield is ranked lower than
88% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. SFBC: 1.07 )
Ranked among companies with meaningful Dividend Yield only.
SFBC' s 10-Year Dividend Yield Range
Min: 0.33  Med: 1.04 Max: 1.18
Current: 1.07
0.33
1.18
Dividend Payout 0.12
SFBC's Dividend Payout is ranked higher than
89% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SFBC: 0.12 )
Ranked among companies with meaningful Dividend Payout only.
SFBC' s 10-Year Dividend Payout Range
Min: 0.11  Med: 0.13 Max: 0.16
Current: 0.12
0.11
0.16
Yield on cost (5-Year) 1.07
SFBC's Yield on cost (5-Year) is ranked lower than
87% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. SFBC: 1.07 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SFBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.33  Med: 1.04 Max: 1.18
Current: 1.07
0.33
1.18

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
SFBC's Price/Tangible Book is ranked higher than
57% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SFBC: 1.04 )
Ranked among companies with meaningful Price/Tangible Book only.
SFBC' s 10-Year Price/Tangible Book Range
Min: 0.65  Med: 0.97 Max: 1.07
Current: 1.04
0.65
1.07
Price/Median PS Value 1.08
SFBC's Price/Median PS Value is ranked lower than
55% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SFBC: 1.08 )
Ranked among companies with meaningful Price/Median PS Value only.
SFBC' s 10-Year Price/Median PS Value Range
Min: 0.65  Med: 1.00 Max: 1.11
Current: 1.08
0.65
1.11
Price/Graham Number 0.72
SFBC's Price/Graham Number is ranked higher than
61% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SFBC: 0.72 )
Ranked among companies with meaningful Price/Graham Number only.
SFBC' s 10-Year Price/Graham Number Range
Min: 0.54  Med: 0.67 Max: 0.74
Current: 0.72
0.54
0.74
Earnings Yield (Greenblatt) (%) 15.35
SFBC's Earnings Yield (Greenblatt) (%) is ranked higher than
87% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SFBC: 15.35 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SFBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 7.4  Med: 10.50 Max: 21.1
Current: 15.35
7.4
21.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:INDB, CNBKA, EBTC, WAIN, WBKC, WBS » details
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.
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