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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 2.06
SFBC's Cash-to-Debt is ranked lower than
64% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. SFBC: 2.06 )
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: 2.06
Equity-to-Asset 0.11
SFBC's Equity-to-Asset is ranked lower than
58% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SFBC: 0.11 )
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: 0.11
0.09
0.12
Interest Coverage 2.86
SFBC's Interest Coverage is ranked higher than
63% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SFBC: 2.86 )
Ranked among companies with meaningful Interest Coverage only.
SFBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 2.49 Max: 2.86
Current: 2.86
0.44
2.86
Beneish M-Score: -2.33
WACC vs ROIC
4.43%
12.93%
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 % 30.85
SFBC's Operating Margin % is ranked lower than
55% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. SFBC: 30.85 )
Ranked among companies with meaningful Operating Margin % only.
SFBC' s Operating Margin % Range Over the Past 10 Years
Min: 9.9  Med: 25.89 Max: 30.85
Current: 30.85
9.9
30.85
Net Margin % 20.50
SFBC's Net Margin % is ranked lower than
61% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. SFBC: 20.50 )
Ranked among companies with meaningful Net Margin % only.
SFBC' s Net Margin % Range Over the Past 10 Years
Min: 7.02  Med: 17.73 Max: 20.5
Current: 20.5
7.02
20.5
ROE % 9.72
SFBC's ROE % is ranked higher than
57% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. SFBC: 9.72 )
Ranked among companies with meaningful ROE % only.
SFBC' s ROE % Range Over the Past 10 Years
Min: 4.95  Med: 8.73 Max: 9.72
Current: 9.72
4.95
9.72
ROA % 1.01
SFBC's ROA % is ranked higher than
55% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SFBC: 1.01 )
Ranked among companies with meaningful ROA % only.
SFBC' s ROA % Range Over the Past 10 Years
Min: 0.4  Med: 0.9 Max: 1.01
Current: 1.01
0.4
1.01
3-Year Revenue Growth Rate 7.80
SFBC's 3-Year Revenue Growth Rate is ranked higher than
67% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SFBC: 7.80 )
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: 7.3 Max: 8.4
Current: 7.8
0
8.4
3-Year EBITDA Growth Rate 7.90
SFBC's 3-Year EBITDA Growth Rate is ranked higher than
55% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SFBC: 7.90 )
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: 10.75 Max: 32
Current: 7.9
0
32
3-Year EPS without NRI Growth Rate 11.90
SFBC's 3-Year EPS without NRI Growth Rate is ranked higher than
63% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SFBC: 11.90 )
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: 17.45 Max: 40.3
Current: 11.9
0
40.3
GuruFocus has detected 3 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 30-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:CZWI, NAS:BYBK, NAS:ASRV, NAS:MGYR, NAS:EBMT, OTCPK:NWYF, OTCPK:FFHD, OTCPK:FMBJ, NAS:SSBI, OTCPK:COFS, OTCPK:FDVA, NAS:PFBX, NAS:UBOH, OTCPK:VABK, OTCPK:MNSB, OTCPK:TYCB, OTCPK:FXNC, OTCPK:FABK, NAS:FBSS, OTCPK:JFBC » details
Headquarter Location:USA
Sound Financial Bancorp Inc through Sound Community Bank serves as a financial institution providing to its customers traditional banking and other financial services.

Sound Financial Bancorp Inc through Sound Community Bank serves as a financial institution providing to its customers traditional banking and other financial services. The Bank's principal business consists of attracting retail and commercial 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 real estate, construction and land, consumer and commercial business loans. The commercial business loans include unsecured lines of credit and secured term loans and lines of credit secured by inventory, equipment and accounts receivable. It also offers offer a variety of secured and unsecured consumer loan products, including manufactured home loans, floating homes, automobile loans, boat loans and recreational vehicle loans.

Top Ranked Articles about Sound Financial Bancorp Inc

Sound Community Bank CEO Laurie Stewart Advises President Trump on Issues Facing Community Banks

SEATTLE, March 09, 2017 (GLOBE NEWSWIRE) -- On March 9, Laurie Stewart, President & CEO of Sound Community Bank, met with President Trump and community bankers from across the country to discuss the regulatory challenges affecting community banks. Photos accompanying this announcement are available at http://www.globenewswire.com/NewsRoom/AttachmentNg/eb474bbb-0176-4d97-b70f-b02752bd2b1f http://www.globenewswire.com/NewsRoom/AttachmentNg/6a186052-ef3b-4a63-8cbf-cba8ebe0dcb6 During the meeting, bankers had the opportunity to discuss a range of topics, including the need to hold the Consumer Financial Protection Bureau more accountable, regulatory changes to increase small business and mortgage lending, the impact of compliance burden, and the need to ensure regulatory capital standards are aligned with actual risks and conducive to credit availability.  “Community banks represent such a critical segment of our economy and I was pleased to represent community banks throughout our nation in this important meeting,” said Stewart. “We were able to offer the White House a rare perspective on the challenges facing financial institutions, emphasize the importance of tailored regulation and highlight the critical role banks play in helping our economy thrive.” Stewart previously served as Chairman on the American Bankers Association’s (ABA) Government Relations Council and remains a member. She was joined by other ABA bank members from ABA’s Board of Directors, Government Relations Council, Community Bankers Council and Endorsed Solutions Banker Advisory Council. Stewart recently celebrated 26 years with Sound Community Bank.  She was hired in 1989 as President and CEO of Associated Grocers Federal Employee Credit Union (AGFECU).  In the ensuing years, the Credit Union converted to a thrift and is now a fully public company traded on the NASDAQ.  Stewart oversaw the growth of the organization from $38 million to nearly $565 million in the span of 26 years.  She has a long history in community banking and participation in industry affairs.  Recognized by American Banker as one of the Most Powerful Women in Banking in 2011 and 2015, she served as Chair of the Board of Directors of the Washington Bankers Association (WBA) and is currently Chair for the Woodland Park Zoo in Seattle.  Stewart also served on the ABA Board of Directors.  Stewart is a frequent speaker at conferences and colleges locally and nationally, and has testified in both Washington DC and Olympia, Washington on a variety of legislative and regulatory financial issues.  She helped create the WBA’s Executive Development Program which is now in its sixth year of existence.  Stewart is one of 14 bankers selected to serve on the inaugural FDIC Advisory Board and subsequently the CFPB Advisory Board. Sound Community Bank is a Seattle-based community bank, providing personal and business banking services in King, Pierce, Snohomish, Jefferson and Clallam Counties, and on the web at www.soundcb.com.  Sound Community Bank is a subsidiary of Sound Financial Bancorp, Inc. (NASDAQ:SFBC).
Media:
Brady Robb
Marketing Director
(206) 448-0884 x202

Read more...

Ratios

vs
industry
vs
history
PE Ratio 13.39
SFBC's PE Ratio is ranked lower than
53% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. SFBC: 13.39 )
Ranked among companies with meaningful PE Ratio only.
SFBC' s PE Ratio Range Over the Past 10 Years
Min: 10.31  Med: 11.72 Max: 14.36
Current: 13.39
10.31
14.36
PE Ratio without NRI 13.39
SFBC's PE Ratio without NRI is ranked lower than
53% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. SFBC: 13.39 )
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: 11.72 Max: 14.36
Current: 13.39
10.31
14.36
Price-to-Owner-Earnings 18.21
SFBC's Price-to-Owner-Earnings is ranked lower than
69% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. SFBC: 18.21 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SFBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.87  Med: 15.28 Max: 20.38
Current: 18.21
8.87
20.38
PB Ratio 1.19
SFBC's PB Ratio is ranked lower than
58% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SFBC: 1.19 )
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: 1.29
Current: 1.19
0.61
1.29
PS Ratio 2.75
SFBC's PS Ratio is ranked higher than
59% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. SFBC: 2.75 )
Ranked among companies with meaningful PS Ratio only.
SFBC' s PS Ratio Range Over the Past 10 Years
Min: 1.29  Med: 2.11 Max: 2.95
Current: 2.75
1.29
2.95
Price-to-Free-Cash-Flow 18.75
SFBC's Price-to-Free-Cash-Flow is ranked lower than
54% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. SFBC: 18.75 )
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: 8.86 Max: 22.74
Current: 18.75
2.69
22.74
Price-to-Operating-Cash-Flow 15.56
SFBC's Price-to-Operating-Cash-Flow is ranked lower than
53% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. SFBC: 15.56 )
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: 6.96 Max: 16.67
Current: 15.56
2.62
16.67
EV-to-EBIT 5.47
SFBC's EV-to-EBIT is ranked higher than
60% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. SFBC: 5.47 )
Ranked among companies with meaningful EV-to-EBIT only.
SFBC' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.7  Med: 7.4 Max: 13.5
Current: 5.47
4.7
13.5
EV-to-EBITDA 5.03
SFBC's EV-to-EBITDA is ranked higher than
60% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. SFBC: 5.03 )
Ranked among companies with meaningful EV-to-EBITDA only.
SFBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4  Med: 6.4 Max: 10.4
Current: 5.03
4
10.4
PEG Ratio 0.71
SFBC's PEG Ratio is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. SFBC: 0.71 )
Ranked among companies with meaningful PEG Ratio only.
SFBC' s PEG Ratio Range Over the Past 10 Years
Min: 0.43  Med: 0.67 Max: 0.88
Current: 0.71
0.43
0.88

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.18
SFBC's Dividend Yield % is ranked lower than
88% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. SFBC: 1.18 )
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: 1.18
0.33
1.2
Dividend Payout Ratio 0.15
SFBC's Dividend Payout Ratio is ranked higher than
87% of the 1315 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
3-Year Dividend Growth Rate 26.00
SFBC's 3-Year Dividend Growth Rate is ranked higher than
81% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SFBC: 26.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SFBC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 26
Current: 26
0
26
Forward Dividend Yield % 1.35
SFBC's Forward Dividend Yield % is ranked lower than
85% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. SFBC: 1.35 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.18
SFBC's 5-Year Yield-on-Cost % is ranked lower than
90% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. SFBC: 1.18 )
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: 1.18
0.33
1.2
3-Year Average Share Buyback Ratio 0.10
SFBC's 3-Year Average Share Buyback Ratio is ranked higher than
75% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SFBC: 0.10 )
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: 0.1  Med: 1.35 Max: 0
Current: 0.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.27
SFBC's Price-to-Tangible-Book is ranked lower than
57% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SFBC: 1.27 )
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: 1 Max: 1.28
Current: 1.27
0.65
1.28
Price-to-Intrinsic-Value-Projected-FCF 0.56
SFBC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
51% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SFBC: 0.56 )
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  Med: 0.65 Max: 0.68
Current: 0.56
0
0.68
Price-to-Median-PS-Value 1.31
SFBC's Price-to-Median-PS-Value is ranked lower than
75% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SFBC: 1.31 )
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  Med: 0.99 Max: 1.31
Current: 1.31
0
1.31
Price-to-Peter-Lynch-Fair-Value 0.82
SFBC's Price-to-Peter-Lynch-Fair-Value is ranked higher than
75% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SFBC: 0.82 )
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  Med: 0.57 Max: 0.83
Current: 0.82
0
0.83
Price-to-Graham-Number 0.87
SFBC's Price-to-Graham-Number is ranked lower than
51% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. SFBC: 0.87 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SFBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0  Med: 0.71 Max: 0.88
Current: 0.87
0
0.88
Earnings Yield (Greenblatt) % 18.24
SFBC's Earnings Yield (Greenblatt) % is ranked higher than
69% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. SFBC: 18.24 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SFBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 7.4  Med: 13.5 Max: 21.1
Current: 18.24
7.4
21.1
Forward Rate of Return (Yacktman) % 23.81
SFBC's Forward Rate of Return (Yacktman) % is ranked higher than
81% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. SFBC: 23.81 )
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: 23.3  Med: 28.5 Max: 37.8
Current: 23.81
23.3
37.8

More Statistics

Revenue (TTM) (Mil) $27.74
EPS (TTM) $ 2.21
Beta0.40
Short Percentage of Float0.09%
52-Week Range $23.27 - 32.75
Shares Outstanding (Mil)2.50

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