SFBC (Sound Financial Bancorp) Moat Score: 3/10 (As of Jun. 28, 2026)


SFBC Sound Financial Bancorp Inc SFBC
51 GF Score
Price $43.83
GF Value $45.31
Valuation Fairly Valued
! 1 Warning Sign
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What is Sound Financial Bancorp Moat Score?

Sound Financial Bancorp SFBC +0.05% 51 Moat Score is 3 as of Jun. 28, 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. Among 1,610 Banks companies, Sound Financial Bancorp ranks better than 74.41% on this metric.

Sound Financial Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Sound Financial Bancorp has No Moat: Sound Financial Bancorp Inc operates in a competitive banking industry with limited market share and brand strength. It lacks significant customer switching costs, regulatory barriers, and proprietary technology, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Sound Financial Bancorp might have No Moat - Very weak/transient advantages.

Sound Financial Bancorp  (NAS:SFBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Sound Financial Bancorp Moat Score Related Terms

SFBC vs CYVF, CNBB, NWPP: Moat Score Comparison

For the Banks - Regional subindustry, Sound Financial Bancorp's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Sound Financial Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Sound Financial Bancorp's Moat Score falls into.


SFBC
51GF Score
Sound Financial Bancorp Inc SFBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Sound Financial Bancorp (SFBC) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Sound Financial Bancorp ranks #412 out of 1610 companies in the Banks industry, placing it in the top 25.6%.
Is Sound Financial Bancorp's Moat Score too high?
Sound Financial Bancorp's current Moat Score is 3. Based on the distribution chart, Sound Financial Bancorp ranks #412 out of 1610 companies in the Banks industry, which is above 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 Moat Score compare to CYVF and CNBB?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #412 out of 1610 companies for Moat Score. This puts Sound Financial Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Sound Financial Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current Moat Score is 3 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:

  • Moat Score: 3
  • 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.83
Price
$45.31
GF Value