Sound Financial Bancorp has the GF Score of 51, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Sound Financial Bancorp
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Sound Financial Bancorp GF Score Related Terms
SFBC vs CYVF, CNBB, NWPP: GF Score Comparison
For the Banks - Regional subindustry, Sound Financial Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's GF Score distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's GF Score falls into.
Sound Financial Bancorp (SFBC) has a GF Score of 51 as of Jun. 28, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Sound Financial Bancorp and its competitors. This is 34% below median its historical median of 77.00. Over the past decade, Sound Financial Bancorp's GF Score has ranged from 50.00 to 84.00.
Is Sound Financial Bancorp's GF Score too high?
Sound Financial Bancorp's current GF Score of 51 is 34% below median its 10-year median of 77.00. Over the past 10 years, this metric has ranged from a low of 50.00 to a high of 84.00. 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 GF Score compare to CYVF and CNBB?
Sound Financial Bancorp's GF Score of 51 can be compared against companies in the Banks industry. Historically, Sound Financial Bancorp's own GF Score has ranged from 50.00 to 84.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Sound Financial Bancorp and its competitors. Sound Financial Bancorp's current GF Score is 51, which is 34% below median its own 10-year median of 77.00. 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 $45.31, compared to a current price of $43.83 — trading 3.3% below its estimated fair value. The current GF Score is 51, which is 34% below median its 10-year median of 77.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current GF Score is 51 as of Jun. 28, 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 $43.83 is trading 3.3% below its estimated GF Value™ of $45.31.
GuruFocus considers Sound Financial Bancorp to be Fairly Valued.
Key valuation signals for SFBC:
GF Score: 51 (34% below median its 10-year median of 77.00)
GF Value™: $45.31 vs. price of $43.83 (3.3% below 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.
51GF Score
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