SFBC (Sound Financial Bancorp) E10: $3.26 (As of Mar. 2026)


SFBC Sound Financial Bancorp Inc SFBC
51 GF Score
Price $42.87
GF Value $45.31
Valuation Fairly Valued
! 1 Warning Sign
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What is Sound Financial Bancorp E10?

Sound Financial Bancorp SFBC -2.26% 51 E10 is $3.26 as of Mar. 2026. GuruFocus rates SFBC with a GF Score™ of 51/100 and a GF Value™ of $45.31 (Fairly Valued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Sound Financial Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.610. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.26 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Sound Financial Bancorp's average E10 Growth Rate was 4.50% per year. During the past 3 years, the average E10 Growth Rate was 3.80% per year. During the past 5 years, the average E10 Growth Rate was 8.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Sound Financial Bancorp was 14.00% per year. The lowest was 3.80% per year. And the median was 7.60% per year.

As of today (2026-06-25), Sound Financial Bancorp's current stock price is $42.87. Sound Financial Bancorp's E10 for the quarter that ended in Mar. 2026 was $3.26. Sound Financial Bancorp's Shiller PE Ratio of today is 13.15.

During the past 13 years, the highest Shiller PE Ratio of Sound Financial Bancorp was 21.67. The lowest was 11.39. And the median was 14.53.


Sound Financial Bancorp  (NAS:SFBC) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Sound Financial Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=42.87/3.26
=13.15

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Sound Financial Bancorp was 21.67. The lowest was 11.39. And the median was 14.53.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Sound Financial Bancorp E10 Related Terms


Sound Financial Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Sound Financial Bancorp's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sound Financial Bancorp E10 Chart

Sound Financial Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.48 2.86 3.04 3.09 3.20

Sound Financial Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.12 3.16 3.19 3.20 3.26

SFBC vs CYVF, CNBB, NWPP: E10 Comparison

For the Banks - Regional subindustry, Sound Financial Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Sound Financial Bancorp Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Sound Financial Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Sound Financial Bancorp's Shiller PE Ratio falls into.


SFBC
51GF Score
Sound Financial Bancorp Inc SFBC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Sound Financial Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Sound Financial Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.61/330.2130*330.2130
=0.610

Current CPI (Mar. 2026) = 330.2130.

Sound Financial Bancorp Quarterly Data

per share eps CPI Adj_EPS
201606 0.490 241.018 0.671
201609 0.570 241.428 0.780
201612 0.600 241.432 0.821
201703 0.540 243.801 0.731
201706 0.500 244.955 0.674
201709 0.480 246.819 0.642
201712 0.460 246.524 0.616
201803 0.630 249.554 0.834
201806 0.770 251.989 1.009
201809 0.710 252.439 0.929
201812 0.640 251.233 0.841
201903 0.560 254.202 0.727
201906 0.710 256.143 0.915
201909 0.600 256.759 0.772
201912 0.720 256.974 0.925
202003 0.380 258.115 0.486
202006 0.820 257.797 1.050
202009 0.900 260.280 1.142
202012 1.340 260.474 1.699
202103 0.930 264.877 1.159
202106 0.850 271.696 1.033
202109 0.980 274.310 1.180
202112 0.700 278.802 0.829
202203 0.650 287.504 0.747
202206 0.610 296.311 0.680
202209 0.970 296.808 1.079
202212 1.120 296.797 1.246
202303 0.830 301.836 0.908
202306 1.110 305.109 1.201
202309 0.450 307.789 0.483
202312 0.470 306.746 0.506
202403 0.300 312.332 0.317
202406 0.310 314.175 0.326
202409 0.450 315.301 0.471
202412 0.740 315.605 0.774
202503 0.450 319.799 0.465
202506 0.790 322.561 0.809
202509 0.660 324.800 0.671
202512 0.870 324.054 0.887
202603 0.610 330.213 0.610

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $3.26 mean?
Sound Financial Bancorp (SFBC) has a E10 of $3.26 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sound Financial Bancorp and its competitors.
Is Sound Financial Bancorp's E10 too high?
Sound Financial Bancorp's current E10 is $3.26. Overall, Sound Financial Bancorp has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sound Financial Bancorp's E10 compare to CYVF and CNBB?
Sound Financial Bancorp's E10 of $3.26 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sound Financial Bancorp and its competitors. Sound Financial Bancorp's current E10 is $3.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sound Financial Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sound Financial Bancorp (SFBC) is currently considered Fairly Valued. The stock's GF Value™ is $45.31, compared to a current price of $42.87 — trading 5.4% below its estimated fair value. The current E10 is $3.26. Sound Financial Bancorp's overall GF Score™ is 51/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current E10 is $3.26 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Sound Financial Bancorp (SFBC) Overvalued in 2026?

Based on GuruFocus' analysis, Sound Financial Bancorp stock appears to be undervalued. The current stock price of $42.87 is trading 5.4% below its estimated GF Value™ of $45.31. GuruFocus considers Sound Financial Bancorp to be Fairly Valued.

Key valuation signals for SFBC:

  • E10: $3.26
  • GF Value™: $45.31 vs. price of $42.87 (5.4% below fair value)
  • GF Score™: 51/100 with 1 warning sign

No single metric tells the full story. See the SFBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Sound Financial Bancorp Business Description

Address 2400 3rd Avenue, Suite 150, Seattle, WA, USA, 98121
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.
51GF Score

Get the complete analysis for SFBC

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$42.87
Price
$45.31
GF Value