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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 1.00
SFBC's Cash-to-Debt is ranked lower than
62% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. SFBC: 1.00 )
Ranked among companies with meaningful Cash-to-Debt only.
SFBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.29  Med: 1.39 Max: N/A
Current: 1
Equity-to-Asset 0.10
SFBC's Equity-to-Asset is ranked lower than
56% of the 1484 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: 0.1 Max: 0.12
Current: 0.1
0.09
0.12
Interest Coverage 2.77
SFBC's Interest Coverage is ranked higher than
64% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. SFBC: 2.77 )
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: 2.77
Current: 2.77
0.44
2.77
Piotroski F-Score: 4
Beneish M-Score: -2.54
WACC vs ROIC
5.50%
11.58%
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 % 29.62
SFBC's Operating Margin % is ranked lower than
53% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. SFBC: 29.62 )
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: 29.62
Current: 29.62
9.9
29.62
Net Margin % 19.73
SFBC's Net Margin % is ranked lower than
58% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. SFBC: 19.73 )
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: 19.73
Current: 19.73
7.02
19.73
ROE % 9.42
SFBC's ROE % is ranked higher than
60% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. SFBC: 9.42 )
Ranked among companies with meaningful ROE % only.
SFBC' s ROE % Range Over the Past 10 Years
Min: 4.95  Med: 8.03 Max: 9.42
Current: 9.42
4.95
9.42
ROA % 0.97
SFBC's ROA % is ranked higher than
58% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SFBC: 0.97 )
Ranked among companies with meaningful ROA % only.
SFBC' s ROA % Range Over the Past 10 Years
Min: 0.4  Med: 0.82 Max: 0.97
Current: 0.97
0.4
0.97
3-Year Revenue Growth Rate 6.80
SFBC's 3-Year Revenue Growth Rate is ranked higher than
65% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. SFBC: 6.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SFBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.8 Max: 8.4
Current: 6.8
0
8.4
3-Year EBITDA Growth Rate 16.80
SFBC's 3-Year EBITDA Growth Rate is ranked higher than
76% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. SFBC: 16.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SFBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 16.8 Max: 32
Current: 16.8
0
32
3-Year EPS without NRI Growth Rate 23.00
SFBC's 3-Year EPS without NRI Growth Rate is ranked higher than
82% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. SFBC: 23.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SFBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 23 Max: 40.3
Current: 23
0
40.3
GuruFocus has detected 2 Warning Signs with Sound Financial Bancorp Inc $SFBC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SFBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6035
Compare:NAS:CWAY, OTCPK:FFHD, NAS:EBMT, OTCPK:FDVA, NAS:MGYR, OTCPK:COFS, NAS:PFBX, NAS:FUSB, OTCPK:FMBJ, NAS:FNBC, OTCPK:CRLN, OTCPK:CLDB, NAS:ASRV, NAS:CWBC, OTCPK:VABK, NAS:WBKC, OTCPK:TYCB, NAS:UBOH, NAS:WBB, NAS:FUNC » 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 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 sells to Fannie Mae. It sells these loans with servicing retained to maintain the direct customer relationship and promote its emphasis on 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
PE Ratio 14.34
SFBC's PE Ratio is ranked lower than
52% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. SFBC: 14.34 )
Ranked among companies with meaningful PE Ratio only.
SFBC' s PE Ratio Range Over the Past 10 Years
Min: 10.31  Med: 11.69 Max: 15.15
Current: 14.34
10.31
15.15
PE Ratio without NRI 14.34
SFBC's PE Ratio without NRI is ranked lower than
51% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. SFBC: 14.34 )
Ranked among companies with meaningful PE Ratio without NRI only.
SFBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.31  Med: 11.69 Max: 15.15
Current: 14.34
10.31
15.15
Price-to-Owner-Earnings 15.28
SFBC's Price-to-Owner-Earnings is ranked lower than
55% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. SFBC: 15.28 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SFBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.91  Med: 13.33 Max: 16.83
Current: 15.28
7.91
16.83
PB Ratio 1.22
SFBC's PB Ratio is ranked lower than
57% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SFBC: 1.22 )
Ranked among companies with meaningful PB Ratio only.
SFBC' s PB Ratio Range Over the Past 10 Years
Min: 0.61  Med: 0.94 Max: 1.28
Current: 1.22
0.61
1.28
PS Ratio 2.92
SFBC's PS Ratio is ranked higher than
58% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. SFBC: 2.92 )
Ranked among companies with meaningful PS Ratio only.
SFBC' s PS Ratio Range Over the Past 10 Years
Min: 1.29  Med: 2.09 Max: 2.99
Current: 2.92
1.29
2.99
Price-to-Free-Cash-Flow 24.20
SFBC's Price-to-Free-Cash-Flow is ranked lower than
84% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. SFBC: 24.20 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SFBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.69  Med: 7.39 Max: 24.85
Current: 24.2
2.69
24.85
Price-to-Operating-Cash-Flow 18.02
SFBC's Price-to-Operating-Cash-Flow is ranked lower than
79% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. SFBC: 18.02 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SFBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.62  Med: 6.65 Max: 18.49
Current: 18.02
2.62
18.49
EV-to-EBIT 7.07
SFBC's EV-to-EBIT is ranked higher than
71% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. SFBC: 7.07 )
Ranked among companies with meaningful EV-to-EBIT only.
SFBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.7  Med: 7.45 Max: 13.5
Current: 7.07
4.7
13.5
EV-to-EBITDA 6.59
SFBC's EV-to-EBITDA is ranked higher than
71% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. SFBC: 6.59 )
Ranked among companies with meaningful EV-to-EBITDA only.
SFBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4  Med: 6.2 Max: 10.4
Current: 6.59
4
10.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.09
SFBC's Dividend Yield % is ranked lower than
88% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. SFBC: 1.09 )
Ranked among companies with meaningful Dividend Yield % only.
SFBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.33  Med: 1.06 Max: 1.2
Current: 1.09
0.33
1.2
Dividend Payout Ratio 0.15
SFBC's Dividend Payout Ratio is ranked higher than
85% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SFBC: 0.15 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SFBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.15
Current: 0.15
0.1
0.15
Forward Dividend Yield % 1.30
SFBC's Forward Dividend Yield % is ranked lower than
84% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. SFBC: 1.30 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.09
SFBC's 5-Year Yield-on-Cost % is ranked lower than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SFBC: 1.09 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SFBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.33  Med: 1.06 Max: 1.2
Current: 1.09
0.33
1.2
3-Year Average Share Buyback Ratio 1.60
SFBC's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 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: 1.6 Max: 0
Current: 1.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.33
SFBC's Price-to-Tangible-Book is ranked lower than
56% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. SFBC: 1.33 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SFBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.65  Med: 0.99 Max: 1.36
Current: 1.33
0.65
1.36
Price-to-Intrinsic-Value-Projected-FCF 0.76
SFBC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
53% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. SFBC: 0.76 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SFBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.62  Med: 0.62 Max: 0.78
Current: 0.76
0.62
0.78
Price-to-Median-PS-Value 1.40
SFBC's Price-to-Median-PS-Value is ranked lower than
73% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SFBC: 1.40 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SFBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.63  Med: 0.99 Max: 1.44
Current: 1.4
0.63
1.44
Price-to-Peter-Lynch-Fair-Value 0.61
SFBC's Price-to-Peter-Lynch-Fair-Value is ranked higher than
81% of the 437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SFBC: 0.61 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SFBC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.5  Med: 0.5 Max: 0.63
Current: 0.61
0.5
0.63
Price-to-Graham-Number 0.92
SFBC's Price-to-Graham-Number is ranked higher than
50% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. SFBC: 0.92 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SFBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.55  Med: 0.7 Max: 0.95
Current: 0.92
0.55
0.95
Earnings Yield (Greenblatt) % 14.10
SFBC's Earnings Yield (Greenblatt) % is ranked higher than
77% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. SFBC: 14.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SFBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 7.4  Med: 13.4 Max: 21.1
Current: 14.1
7.4
21.1
Forward Rate of Return (Yacktman) % 37.76
SFBC's Forward Rate of Return (Yacktman) % is ranked higher than
89% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. SFBC: 37.76 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SFBC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 37.76  Med: 38.5 Max: 39.7
Current: 37.76
37.76
39.7

More Statistics

Revenue (TTM) (Mil) $27.25
EPS (TTM) $ 2.09
Beta0.41
Short Percentage of Float0.18%
52-Week Range $22.51 - 31.90
Shares Outstanding (Mil)2.50
» More Articles for SFBC

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