SFBC (Sound Financial Bancorp) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Sound Financial Bancorp LT-Debt-to-Total-Asset?

Sound Financial Bancorp SFBC +0.05% 51 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Sound Financial Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Sound Financial Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that Sound Financial Bancorp is progressively becoming less dependent on debt to grow their business.

Sound Financial Bancorp (NAS:SFBC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Sound Financial Bancorp LT-Debt-to-Total-Asset Related Terms

Sound Financial Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Sound Financial Bancorp's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

Sound Financial Bancorp Annual Data

Trend

Dec16

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Dec20

Dec21

Dec22

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Dec25

LT-Debt-to-Total-Asset

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0.02

0.04

0.02

Sound Financial Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.03	0.02	0.02	0.02

51GF Score

Sound Financial Bancorp Inc SFBC

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Sound Financial Bancorp LT-Debt-to-Total-Asset Calculation

Sound Financial Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	21.472	/	1092.173
	=	0.02

Sound Financial Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	21.176	/	1112.051
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Sound Financial Bancorp (SFBC) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sound Financial Bancorp and its competitors.

Is Sound Financial Bancorp's LT-Debt-to-Total-Asset too high?

Sound Financial Bancorp's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to CYVF and CNBB?

Sound Financial Bancorp's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sound Financial Bancorp and its competitors. Sound Financial Bancorp's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current LT-Debt-to-Total-Asset is 0.02 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 $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:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $45.31 vs. price of $43.83 (3.3% below fair value)
GF Score™: 51/100 with 1 warning sign

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 Business Description

Industry Financial Services Banks

Comparable Companies CYVF CNBB NWPP BYLB NMBF CMHF PFBX CZBS UBOH PBNK SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 2400 3rd Avenue, Suite 150, Seattle, WA, USA, 98121

Website https://www.soundcb.com

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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$43.83

Price

$45.31

GF Value

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