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During the past 12 months, Sound Financial Bancorp's average EPS without NRI Growth Rate was 29.20% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -6.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -8.70% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 2.70% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Sound Financial Bancorp was 53.70% per year. The lowest was -19.70% per year. And the median was 7.70% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Sound Financial Bancorp 3-Year EPS without NRI Growth Rate Related Terms
SFBC vs FKYS, CMHF, BLHK: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Sound Financial Bancorp's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's 3-Year EPS without NRI Growth Rate falls into.
Sound Financial Bancorp 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -6.00% mean?
Sound Financial Bancorp (SFBC) has a 3-Year EPS without NRI Growth Rate of -6.00% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Sound Financial Bancorp and its competitors. According to the industry distribution chart, Sound Financial Bancorp ranks #1156 out of 1402 companies in the Banks industry, placing it in the top 82.5%.
Is Sound Financial Bancorp's 3-Year EPS without NRI Growth Rate too high?
Sound Financial Bancorp's current 3-Year EPS without NRI Growth Rate is -6.00%. Based on the distribution chart, Sound Financial Bancorp ranks #1156 out of 1402 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sound Financial Bancorp has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sound Financial Bancorp's 3-Year EPS without NRI Growth Rate compare to FKYS and CMHF?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #1156 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places Sound Financial Bancorp in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Sound Financial Bancorp and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sound Financial Bancorp's current 3-Year EPS without NRI Growth Rate is -6.00%. 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 $46.31, compared to a current price of $48.00 — trading 3.6% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -6.00%. Sound Financial Bancorp's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current 3-Year EPS without NRI Growth Rate is -6.00% as of Jun. 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 overvalued.
The current stock price of $48.00 is trading 3.6% above its estimated GF Value™ of $46.31.
GuruFocus considers Sound Financial Bancorp to be Fairly Valued.
Key valuation signals for SFBC:
3-Year EPS without NRI Growth Rate: -6.00%
GF Value™: $46.31 vs. price of $48.00 (3.6% above fair value)
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 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.
63GF Score
Get the complete analysis for SFBC
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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