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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.07
SFBC's Cash to Debt is ranked higher than
74% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. SFBC: 1.07 )
SFBC' s 10-Year Cash to Debt Range
Min: 0.29   Max: No Debt
Current: 1.07

Equity to Asset 0.10
SFBC's Equity to Asset is ranked higher than
71% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SFBC: 0.10 )
SFBC' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.12
Current: 0.1

0.09
0.12
Interest Coverage 2.49
SFBC's Interest Coverage is ranked higher than
79% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SFBC: 2.49 )
SFBC' s 10-Year Interest Coverage Range
Min: 0.44   Max: 2.49
Current: 2.49

0.44
2.49
F-Score: 5
Z-Score: 0.25
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 : 7/10

vs
industry
vs
history
Operating margin (%) 28.43
SFBC's Operating margin (%) is ranked higher than
74% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. SFBC: 28.43 )
SFBC' s 10-Year Operating margin (%) Range
Min: 9.9   Max: 25.89
Current: 28.43

9.9
25.89
Net-margin (%) 19.31
SFBC's Net-margin (%) is ranked higher than
71% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. SFBC: 19.31 )
SFBC' s 10-Year Net-margin (%) Range
Min: 7.02   Max: 17.73
Current: 19.31

7.02
17.73
ROE (%) 9.38
SFBC's ROE (%) is ranked higher than
79% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. SFBC: 9.38 )
SFBC' s 10-Year ROE (%) Range
Min: 5.58   Max: 8.76
Current: 9.38

5.58
8.76
ROA (%) 0.98
SFBC's ROA (%) is ranked higher than
81% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SFBC: 0.98 )
SFBC' s 10-Year ROA (%) Range
Min: 0.46   Max: 0.96
Current: 0.98

0.46
0.96
ROC (Joel Greenblatt) (%) 233.56
SFBC's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. SFBC: 233.56 )
SFBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 166.82   Max: 261.95
Current: 233.56

166.82
261.95
» SFBC's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with SFBC

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Ratios

vs
industry
vs
history
P/E(ttm) 10.70
SFBC's P/E(ttm) is ranked higher than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. SFBC: 10.70 )
SFBC' s 10-Year P/E(ttm) Range
Min: 10.23   Max: 13.4
Current: 10.7

10.23
13.4
P/B 0.90
SFBC's P/B is ranked higher than
84% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. SFBC: 0.90 )
SFBC' s 10-Year P/B Range
Min: 0.61   Max: 0.98
Current: 0.9

0.61
0.98
P/S 2.10
SFBC's P/S is ranked higher than
87% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. SFBC: 2.10 )
SFBC' s 10-Year P/S Range
Min: 1.29   Max: 2.2
Current: 2.1

1.29
2.2
PFCF 10.10
SFBC's PFCF is ranked higher than
86% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SFBC: 10.10 )
SFBC' s 10-Year PFCF Range
Min: 2.69   Max: 10.46
Current: 10.1

2.69
10.46
EV-to-EBIT 6.79
SFBC's EV-to-EBIT is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. SFBC: 6.79 )
SFBC' s 10-Year EV-to-EBIT Range
Min: 6   Max: 13.5
Current: 6.79

6
13.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
SFBC's Dividend Yield is ranked lower than
81% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. SFBC: 1.10 )
SFBC' s 10-Year Dividend Yield Range
Min: 0.33   Max: 1.18
Current: 1.1

0.33
1.18
Dividend Payout 0.12
SFBC's Dividend Payout is ranked higher than
95% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. SFBC: 0.12 )
SFBC' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.13
Current: 0.12

0.11
0.13
Yield on cost (5-Year) 1.10
SFBC's Yield on cost (5-Year) is ranked lower than
80% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. SFBC: 1.10 )
SFBC' s 10-Year Yield on cost (5-Year) Range
Min: 0.33   Max: 1.18
Current: 1.1

0.33
1.18

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
SFBC's Price/Tangible Book is ranked higher than
85% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SFBC: 0.99 )
SFBC' s 10-Year Price/Tangible Book Range
Min: 0.65   Max: 0.99
Current: 0.99

0.65
0.99
Price/Median PS Value 1.06
SFBC's Price/Median PS Value is ranked higher than
79% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. SFBC: 1.06 )
SFBC' s 10-Year Price/Median PS Value Range
Min: 0.68   Max: 1.07
Current: 1.06

0.68
1.07
Price/Graham Number 0.67
SFBC's Price/Graham Number is ranked higher than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SFBC: 0.67 )
SFBC' s 10-Year Price/Graham Number Range
Min: 0.54   Max: 0.68
Current: 0.67

0.54
0.68
Earnings Yield (Greenblatt) 14.70
SFBC's Earnings Yield (Greenblatt) is ranked higher than
92% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SFBC: 14.70 )
SFBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 7.4   Max: 16.7
Current: 14.7

7.4
16.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:INDB, CNBKA, EBTC, WAIN, WBKC, WBS » details
Sound Financial Bancorp Inc, a Maryland corporation, 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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