SFBC (Sound Financial Bancorp) Dividend Payout Ratio: 0.34 (As of Mar. 2026) — 70% Above Median

What is Sound Financial Bancorp Dividend Payout Ratio?

Sound Financial Bancorp SFBC +0.50% 52 Dividend Payout Ratio is 0.34 as of Mar. 2026, which is 70% above its 10-year median of 0.20. GuruFocus rates SFBC with a GF Score™ of 52/100 and a GF Value™ of $45.31 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,168 Banks companies, Sound Financial Bancorp ranks better than 63.27% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Sound Financial Bancorp's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.34.

The historical rank and industry rank for Sound Financial Bancorp's Dividend Payout Ratio or its related term are showing as below:

SFBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.14 Med: 0.2 Max: 0.43
Current: 0.27

During the past 13 years, the highest Dividend Payout Ratio of Sound Financial Bancorp was 0.43. The lowest was 0.14. And the median was 0.20.

SFBC's Dividend Payout Ratio is ranked better than
63.27% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs SFBC: 0.27

As of today (2026-06-26), the Dividend Yield % of Sound Financial Bancorp is 1.85%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Sound Financial Bancorp was 3.33%. The lowest was 0.97%. And the median was 1.60%.

Sound Financial Bancorp's Dividends per Share for the months ended in Mar. 2026 was $0.21.

During the past 12 months, Sound Financial Bancorp's average Dividends Per Share Growth Rate was 2.60% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 3.80% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 4.70% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 11.70% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Sound Financial Bancorp was 32.90% per year. The lowest was 3.80% per year. And the median was 11.25% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Sound Financial Bancorp (NAS:SFBC) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Sound Financial Bancorp Dividend Payout Ratio Related Terms

Sound Financial Bancorp Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Sound Financial Bancorp's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

Sound Financial Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.20

0.26

0.43

0.27

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
Dividend Payout Ratio	Get a 7-Day Free Trial															0.42	0.24	0.29	0.22	0.34

SFBC vs CYVF, CNBB, NWPP: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where Sound Financial Bancorp's Dividend Payout Ratio falls into.

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52GF Score

Sound Financial Bancorp Inc SFBC

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Sound Financial Bancorp Dividend Payout Ratio Calculation

Sound Financial Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0.76	/	2.782
	=	0.27

Sound Financial Bancorp's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.21	/	0.611
	=	0.34

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.34 mean?

Sound Financial Bancorp (SFBC) has a Dividend Payout Ratio of 0.34 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Sound Financial Bancorp and its competitors. This is 70% above median its historical median of 0.20. Over the past decade, Sound Financial Bancorp's Dividend Payout Ratio has ranged from 0.14 to 0.43. According to the industry distribution chart, Sound Financial Bancorp ranks #429 out of 1168 companies in the Banks industry, placing it in the top 36.7%.

Is Sound Financial Bancorp's Dividend Payout Ratio too high?

Sound Financial Bancorp's current Dividend Payout Ratio of 0.34 is 70% above median its 10-year median of 0.20. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.43. The Banks industry median Dividend Payout Ratio is 0.32. Sound Financial Bancorp's value of 0.34 is 6.3% above this industry median. Based on the distribution chart, Sound Financial Bancorp ranks #429 out of 1168 companies in the Banks industry, which is above the industry midpoint. Overall, Sound Financial Bancorp has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Sound Financial Bancorp's Dividend Payout Ratio compare to CYVF and CNBB?

According to the Banks industry distribution chart, Sound Financial Bancorp ranks #429 out of 1168 companies for Dividend Payout Ratio. This puts Sound Financial Bancorp in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Sound Financial Bancorp's value of 0.34 is 6.3% above this benchmark. Historically, Sound Financial Bancorp's own Dividend Payout Ratio has ranged from 0.14 to 0.43 over the past decade. While the company's 10-year median is 0.20 vs. the industry median of 0.32, Sound Financial Bancorp has consistently been above 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 Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sound Financial Bancorp's current Dividend Payout Ratio of 0.34 is 6.3% above 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Sound Financial Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sound Financial Bancorp's current Dividend Payout Ratio is 0.34, which is 70% above median its own 10-year median of 0.20. 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 $43.33 — trading 4.4% below its estimated fair value. The current Dividend Payout Ratio is 0.34, which is 70% above median its 10-year median of 0.20 and 6.3% above the Banks industry median of 0.32. Sound Financial Bancorp's overall GF Score™ is 52/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current Dividend Payout Ratio is 0.34 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 $43.33 is trading 4.4% below its estimated GF Value™ of $45.31. GuruFocus considers Sound Financial Bancorp to be Fairly Valued.

Key valuation signals for SFBC:

Dividend Payout Ratio: 0.34 (70% above median its 10-year median of 0.20)
GF Value™: $45.31 vs. price of $43.33 (4.4% below fair value)
GF Score™: 52/100 with 1 warning sign
Industry Position: 6.3% above the Banks median (#429 of 1168)

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.

52GF Score

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

$43.33

Price

$45.31

GF Value

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