Sound Financial BancorpSFBC -2.26%51 FCF Margin % is 14.80% as of Mar. 2026, which is 27% below its 10-year median of 20.27. 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. Among 1,504 Banks companies, Sound Financial Bancorp ranks worse than 61.57% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of 14.80% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Sound Financial Bancorp and its competitors. This is 27% below median its historical median of 20.27. According to the industry distribution chart, Sound Financial Bancorp ranks #926 out of 1504 companies in the Banks industry, placing it in the top 61.6%.
Is Sound Financial Bancorp's FCF Margin % too high?
Sound Financial Bancorp's current FCF Margin % of 14.80% is 27% below median its 10-year median of 20.27. The Banks industry median FCF Margin % is 26.50. Sound Financial Bancorp's value of 14.80% is 44.2% below this industry median. Based on the distribution chart, Sound Financial Bancorp ranks #926 out of 1504 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to CYVF and CNBB?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #926 out of 1504 companies for FCF Margin %. This places Sound Financial Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.50. Sound Financial Bancorp's value of 14.80% is 44.2% below this benchmark. While the company's 10-year median is 20.27 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sound Financial Bancorp's current FCF Margin % of 14.80% is 44.2% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Sound Financial Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sound Financial Bancorp's current FCF Margin % is 14.80%, which is 27% below median its own 10-year median of 20.27. 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 FCF Margin % is 14.80%, which is 27% below median its 10-year median of 20.27 and 44.2% below the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current FCF Margin % is 14.80% 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:
FCF Margin %: 14.80% (27% below median its 10-year median of 20.27)
GF Value™: $45.31 vs. price of $42.87 (5.4% below fair value)
Industry Position: 44.2% below the Banks median (#926 of 1504)
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.
51GF Score
Get the complete analysis for SFBC
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SFBC has been successfully added to your 
