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Sound Financial BancorpSFBC -0.60%52 EV-to-OCF is 0.37 as of Aug. 09, 2026, which is 95% below its 10-year median of 7.20. GuruFocus rates SFBC with a GF Score™ of 52/100 and a GF Value™ of $45.29 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,498 Banks companies, Sound Financial Bancorp ranks better than 67.76% on this metric.
The historical rank and industry rank for Sound Financial Bancorp's EV-to-OCF or its related term are showing as below:
SFBC'
s EV-to-OCF Range Over the Past 10 Years
Min: -13.92 Med: 7.2 Max: 190.83
Current: 0.37
During the past 13 years, the highest EV-to-OCF of Sound Financial Bancorp was 190.83. The lowest was -13.92. And the median was 7.20.
SFBC's EV-to-OCF is ranked better than 67.76% of 1498
companies
in the Banks industry
Industry Median: 4.04
vs SFBC: 0.37
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Sound Financial Bancorp's PE Ratio (TTM) for today is calculated as:
Sound Financial Bancorp's share price for today is $46.89.
Sound Financial Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.120.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Sound Financial Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's EV-to-OCF falls into.
Sound Financial Bancorp's current Enterprise Value is $2.49 Mil.
Sound Financial Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.81 Mil.
* 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 (SFBC) has a EV-to-OCF of 0.37 as of Aug. 09, 2026. This is 95% below median its historical median of 7.20. According to the industry distribution chart, Sound Financial Bancorp ranks #483 out of 1498 companies in the Banks industry, placing it in the top 32.2%.
Is Sound Financial Bancorp's EV-to-OCF too high?
Sound Financial Bancorp's current EV-to-OCF of 0.37 is 95% below median its 10-year median of 7.20. The Banks industry median EV-to-OCF is 4.04. Sound Financial Bancorp's value of 0.37 is 90.8% below this industry median. Based on the distribution chart, Sound Financial Bancorp ranks #483 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Sound Financial Bancorp has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sound Financial Bancorp's EV-to-OCF compare to NWPP and PFBX?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #483 out of 1498 companies for EV-to-OCF. This puts Sound Financial Bancorp in the upper half of its industry. The industry median EV-to-OCF is 4.04. Sound Financial Bancorp's value of 0.37 is 90.8% below this benchmark. While the company's 10-year median is 7.20 vs. the industry median of 4.04, Sound Financial Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.04, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sound Financial Bancorp's current EV-to-OCF of 0.37 is 90.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sound Financial Bancorp's current EV-to-OCF is 0.37, which is 95% below median its own 10-year median of 7.20. 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 $45.29, compared to a current price of $46.89 — trading 3.5% above its estimated fair value. The current EV-to-OCF is 0.37, which is 95% below median its 10-year median of 7.20 and 90.8% below the Banks industry median of 4.04. Sound Financial Bancorp's overall GF Score™ is 52/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current EV-to-OCF is 0.37 as of Aug. 09, 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 $46.89 is trading 3.5% above its estimated GF Value™ of $45.29.
GuruFocus considers Sound Financial Bancorp to be Fairly Valued.
Key valuation signals for SFBC:
EV-to-OCF: 0.37 (95% below median its 10-year median of 7.20)
GF Value™: $45.29 vs. price of $46.89 (3.5% above fair value)
Industry Position: 90.8% below the Banks median (#483 of 1498)
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.
52GF Score
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