Sound Financial BancorpSFBC -1.42%51 OCF Margin % is 15.12% as of Mar. 2026, which is 39% below its 10-year median of 24.87. 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 1,500 Banks companies, Sound Financial Bancorp ranks worse than 65.73% 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's OCF 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 OCF Margin % of 15.12% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Sound Financial Bancorp and its competitors. This is 39% below median its historical median of 24.87. According to the industry distribution chart, Sound Financial Bancorp ranks #986 out of 1500 companies in the Banks industry, placing it in the top 65.7%.
Is Sound Financial Bancorp's OCF Margin % too high?
Sound Financial Bancorp's current OCF Margin % of 15.12% is 39% below median its 10-year median of 24.87. The Banks industry median OCF Margin % is 29.44. Sound Financial Bancorp's value of 15.12% is 48.6% below this industry median. Based on the distribution chart, Sound Financial Bancorp ranks #986 out of 1500 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 OCF Margin % compare to CYVF and CNBB?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #986 out of 1500 companies for OCF Margin %. This places Sound Financial Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.44. Sound Financial Bancorp's value of 15.12% is 48.6% below this benchmark. While the company's 10-year median is 24.87 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sound Financial Bancorp's current OCF Margin % of 15.12% is 48.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Sound Financial Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sound Financial Bancorp's current OCF Margin % is 15.12%, which is 39% below median its own 10-year median of 24.87. 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 $43.24 — trading 4.6% below its estimated fair value. The current OCF Margin % is 15.12%, which is 39% below median its 10-year median of 24.87 and 48.6% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current OCF Margin % is 15.12% 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 $43.24 is trading 4.6% below its estimated GF Value™ of $45.31.
GuruFocus considers Sound Financial Bancorp to be Fairly Valued.
Key valuation signals for SFBC:
OCF Margin %: 15.12% (39% below median its 10-year median of 24.87)
GF Value™: $45.31 vs. price of $43.24 (4.6% below fair value)
Industry Position: 48.6% below the Banks median (#986 of 1500)
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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