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Sound Financial BancorpSFBC -0.60%52 Equity-to-Asset is 0.10 as of Mar. 2026, which is at its 10-year median of 0.10. 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 1,524 Banks companies, Sound Financial Bancorp ranks better than 64.17% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Sound Financial Bancorp Equity-to-Asset Related Terms
Sound Financial Bancorp Equity-to-Asset Historical Data
* 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.
SFBC vs NWPP, PFBX, GSBX: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Sound Financial Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Sound Financial Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Sound Financial Bancorp and its competitors. This is near median its historical median of 0.10. Over the past decade, Sound Financial Bancorp's Equity-to-Asset has ranged from 0.09 to 0.11. According to the industry distribution chart, Sound Financial Bancorp ranks #546 out of 1524 companies in the Banks industry, placing it in the top 35.8%.
Is Sound Financial Bancorp's Equity-to-Asset too high?
Sound Financial Bancorp's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Sound Financial Bancorp's value of 0.10 is 0% at this industry median. Based on the distribution chart, Sound Financial Bancorp ranks #546 out of 1524 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 Equity-to-Asset compare to NWPP and PFBX?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #546 out of 1524 companies for Equity-to-Asset. This puts Sound Financial Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Sound Financial Bancorp's value of 0.10 is 0% at this benchmark. Historically, Sound Financial Bancorp's own Equity-to-Asset has ranged from 0.09 to 0.11 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Sound Financial Bancorp has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sound Financial Bancorp's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Sound Financial Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sound Financial Bancorp's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. 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 $46.50 — trading 2.7% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current Equity-to-Asset is 0.10 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 overvalued.
The current stock price of $46.50 is trading 2.7% above its estimated GF Value™ of $45.29.
GuruFocus considers Sound Financial Bancorp to be Fairly Valued.
Key valuation signals for SFBC:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: $45.29 vs. price of $46.50 (2.7% above fair value)
Industry Position: 0% at the Banks median (#546 of 1524)
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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