Business Description
Sound Financial Bancorp Inc
NAICS : 522120
SIC : 6035
Description
Sound Financial Bancorp Inc operates as the holding company for Sound Community Bank that provides traditional banking and other financial services for individuals and businesses. It attracts retail and commercial deposits from the public and invests 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 bank also offers secured and unsecured consumer loan products, including manufactured home loans, floating home loans, automobile loans, boat loans and recreational vehicle loans.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.68 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 0.51 | |||||
| Debt-to-EBITDA | 1.27 | |||||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Altman Z-Score | 0 | |||||
| Beneish M-Score | -2.8 | |||||
| WACC vs ROIC | ||||||
Growth Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 4.3 | |||||
| 3-Year EPS without NRI Growth Rate | 8.1 | |||||
| 3-Year FCF Growth Rate | 23.9 | |||||
| 3-Year Book Growth Rate | 8.3 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 34.07 | |||||
| 9-Day RSI | 40.27 | |||||
| 14-Day RSI | 44.45 | |||||
| 6-1 Month Momentum % | 11.06 | |||||
| 12-1 Month Momentum % | -5.64 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 1.69 | |||||
| Dividend Payout Ratio | 0.23 | |||||
| 3-Year Dividend Growth Rate | 8 | |||||
| Forward Dividend Yield % | 1.69 | |||||
| 5-Year Yield-on-Cost % | 3.63 | |||||
| 3-Year Average Share Buyback Ratio | -0.9 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 20.78 | |||||
| ROE % | 8.44 | |||||
| ROA % | 0.83 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 13.76 | |||||
| PE Ratio without NRI | 13.76 | |||||
| Shiller PE Ratio | 14.9 | |||||
| Price-to-Owner-Earnings | 12.84 | |||||
| PEG Ratio | 1.68 | |||||
| PS Ratio | 2.84 | |||||
| PB Ratio | 1.12 | |||||
| Price-to-Tangible-Book | 1.18 | |||||
| Price-to-Free-Cash-Flow | 10.58 | |||||
| Price-to-Operating-Cash-Flow | 10.3 | |||||
| EV-to-Revenue | 1.92 | |||||
| EV-to-FCF | 7.18 | |||||
| Price-to-Projected-FCF | 0.64 | |||||
| Price-to-DCF (Earnings Based) | 0.52 | |||||
| Price-to-DCF (FCF Based) | 0.85 | |||||
| Price-to-Median-PS-Value | 1.13 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.72 | |||||
| Price-to-Graham-Number | 0.85 | |||||
| Forward Rate of Return (Yacktman) % | 16.24 |
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Performance
Dividend
Annualized Return %
Total Annual Return %
Executives
Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 37.493 | ||
| EPS (TTM) ($) | 2.94 | ||
| Beta | 0.86 | ||
| Volatility % | 22.62 | ||
| 14-Day RSI | 44.45 | ||
| 14-Day ATR ($) | 1.290731 | ||
| 20-Day SMA ($) | 42.13275 | ||
| 12-1 Month Momentum % | -5.64 | ||
| 52-Week Range ($) | 36 - 46.5 | ||
| Shares Outstanding (Mil) | 2.58 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Sound Financial Bancorp Inc Filings
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||
Sound Financial Bancorp Inc Analysis
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