SFBC (Sound Financial Bancorp) Margin of Safety % (DCF Dividends Based): 7.69% (As of Jun. 29, 2026)


SFBC Sound Financial Bancorp Inc SFBC
51 GF Score
Price $43.83
GF Value $45.31
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Sound Financial Bancorp Margin of Safety % (DCF Dividends Based)?

Sound Financial Bancorp SFBC +0.05% 51 Margin of Safety % (DCF Dividends Based) is 7.69% as of Jun. 29, 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.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-06-29), Sound Financial Bancorp's Predictability Rank is 3.5-Stars. Sound Financial Bancorp's intrinsic value calculated from the Discounted Dividend model is $33.96 and current share price is $43.83. Consequently,

Sound Financial Bancorp's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 7.69%.

SFBC vs CZBS, HARL, CMHF: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Sound Financial Bancorp's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Sound Financial Bancorp's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Sound Financial Bancorp's Margin of Safety % (DCF Dividends Based) falls into.


SFBC
51GF Score
Sound Financial Bancorp Inc SFBC
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sound Financial Bancorp Margin of Safety % (DCF Dividends Based) Calculation

Sound Financial Bancorp's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(47.48-43.83)/47.48
=7.69 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 7.69% mean?
Sound Financial Bancorp (SFBC) has a Margin of Safety % (DCF Dividends Based) of 7.69% as of Jun. 29, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Sound Financial Bancorp.
Is Sound Financial Bancorp's Margin of Safety % (DCF Dividends Based) too high?
Sound Financial Bancorp's current Margin of Safety % (DCF Dividends Based) is 7.69%. 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 Margin of Safety % (DCF Dividends Based) compare to CZBS and HARL?
Sound Financial Bancorp's Margin of Safety % (DCF Dividends Based) of 7.69% 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 Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Sound Financial Bancorp. Sound Financial Bancorp's current Margin of Safety % (DCF Dividends Based) is 7.69%. 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 Margin of Safety % (DCF Dividends Based) is 7.69%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current Margin of Safety % (DCF Dividends Based) is 7.69% as of Jun. 29, 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:

  • Margin of Safety % (DCF Dividends Based): 7.69%
  • 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

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

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.83
Price
$45.31
GF Value