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12.97 (1y: +29%)
Market Cap 32.78 M P/E(ttm) 16.90
Enterprise Value 58.49 M P/B 0.80
SFBC- NAS (USA)
Sound Financial Bancorp Inc
Not Rated
Top Ranked Predictable Companies
$12.97
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GuruFocus Financial Strength Rank measures how strong a companyย’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

vs
industry		 vs
history
Cash to Debt No Debt
SFBC's Cash to Debt is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. SFBC: No Debt )
SFBC' s 10-Year Cash to Debt Range
Min: 0.37   Max: No Debt
Current: No Debt
Equity to Asset 0.108
SFBC's Equity to Asset is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SFBC: 0.108 )
SFBC' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.11
Current: 0.11
0.07
0.11
Interest Coverage No Debt
SFBC's Interest Coverage is ranked lower than
97% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. SFBC: No Debt )
SFBC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
Z-Score: 0.36
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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

vs
industry		 vs
history
Operating margin (%) 18.60
SFBC's Operating margin (%) is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. SFBC: 18.60 )
SFBC' s 10-Year Operating margin (%) Range
Min: 9.9   Max: 18.6
Current: 18.6
9.9
18.6
Net-margin (%) 12.7
SFBC's Net-margin (%) is ranked lower than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. SFBC: 12.7 )
SFBC' s 10-Year Net-margin (%) Range
Min: 7   Max: 12.7
Current: 12.7
7
12.7
ROE (%) 6.1
SFBC's ROE (%) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SFBC: 6.1 )
SFBC' s 10-Year ROE (%) Range
Min: 4.9   Max: 6.1
Current: 6.1
4.9
6.1
ROA (%) 0.7
SFBC's ROA (%) is ranked lower than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SFBC: 0.7 )
SFBC' s 10-Year ROA (%) Range
Min: 0.4   Max: 0.7
Current: 0.7
0.4
0.7
ยป SFBC's 10-Y Financials

Financials


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

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Ratios

vs
industry		 vs
history
P/E(ttm) 16.90
SFBC's P/E(ttm) is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. SFBC: 16.90 )
SFBC' s 10-Year P/E(ttm) Range
Min: 13.29   Max: 24.07
Current: 16.9
13.29
24.07
P/B 0.80
SFBC's P/B is ranked lower than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SFBC: 0.80 )
SFBC' s 10-Year P/B Range
Min: 0.62   Max: 0.81
Current: 0.8
0.62
0.81
P/S 1.63
SFBC's P/S is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SFBC: 1.63 )
SFBC' s 10-Year P/S Range
Min: 1.6   Max: 2.86
Current: 1.63
1.6
2.86
PFCF 4.30
SFBC's PFCF is ranked lower than
101% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. SFBC: 4.30 )
SFBC' s 10-Year PFCF Range
Min: 3.38   Max: 10.05
Current: 4.3
3.38
10.05
EV-to-EBIT 8.7
SFBC's EV-to-EBIT is ranked higher than
89% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. SFBC: 8.7 )
SFBC' s 10-Year EV-to-EBIT Range
Min: 3.4   Max: 5.8
Current: 8.7
3.4
5.8

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.39
SFBC's Dividend Yield is ranked lower than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SFBC: 0.39 )
SFBC' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 0.39
Yield on cost (5-Year) 0.40
SFBC's Yield on cost (5-Year) is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. SFBC: 0.40 )
SFBC' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 0.4

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.8
SFBC's Price/Tangible Book is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. SFBC: 0.8 )
SFBC' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 0.7
Current: 0.8
Price/Median PS Value 1
SFBC's Price/Median PS Value is ranked lower than
83% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SFBC: 1 )
SFBC' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 0.8
Current: 1
Price/Graham Number 0.7
SFBC's Price/Graham Number is ranked lower than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SFBC: 0.7 )
SFBC' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 0.6
Current: 0.7
Earnings Yield (Greenblatt) 11.50
SFBC's Earnings Yield (Greenblatt) is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SFBC: 11.50 )
SFBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 11.5   Max: 29
Current: 11.5
11.5
29

Business Description

Sound Financial Bancorp, Inc. is a Maryland corporation, organized in March 2012. It operates as a holding company of Sound Community Bank. The Company's principal 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 (including home equity loans and lines of credit), commercial and multifamily, consumer and commercial business loans and, to a lesser extent, construction and land loans. It offers a wide variety of secured and unsecured consumer loan products, including manufactured home loans, automobile loans, boat loans and recreational vehicle loans. As part of its business, it focuses on residential mortgage loan originations, many of which it sells to Fannie Mae. It sells these loans with servicing retained to maintain the direct customer relationship and promote its emphasis on strong customer service. The Company's operating revenues are derived principally from earnings on interest earning assets, service charges and fees, and gains on the sale of loans. The Company's primary sources of funds are deposits, FHLB advances and other borrowings, and payments received on loans and securities. It offers a variety of deposit accounts that provide a wide range of interest rates and terms, generally including savings, money market, term certificate and demand accounts. It considers its primary market area to be the Puget Sound region. The Company's primary lending activity consists of the origination of loans secured by first mortgages on one- to four-family residences, substantially all of which are secured by property located in its geographic lending area. It originates both fixed-rate loans and adjustable-rate loans. It originates home equity loans that consist of fixed-rate loans and variable-rate lines of credit. The Company offers a variety of commercial and multifamily loans. Most of these loans are secured by commercial income producing properties, including retail centers, multifamily apartment buildings, warehouses, and office buildings located in its market area. It originates construction loans secured by single-family residences and commercial and multifamily real estate. It also originates land and lot loans, which are secured by raw land or developed lots on which the borrower intends to build a residence, and land acquisition and development loans.
Company Website
SEC Reports
Industry: Banks - Regional - US
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