Sound Financial BancorpSFBC -1.10%51 PS Ratio is 2.82 as of Jun. 29, 2026, which is 0% below its 10-year median of 2.83. 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 1,519 Banks companies, Sound Financial Bancorp ranks better than 53.46% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Sound Financial Bancorp's share price is $43.35.
Sound Financial Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $15.39. Hence, Sound Financial Bancorp's PS Ratio for today is 2.82.
Good Sign:
Sound Financial Bancorp Inc stock PS Ratio (=2.85) is close to 2-year low of 2.69.
The historical rank and industry rank for Sound Financial Bancorp's PS Ratio or its related term are showing as below:
SFBC'
s PS Ratio Range Over the Past 10 Years
Min: 1.46 Med: 2.83 Max: 4.09
Current: 2.82
During the past 13 years, Sound Financial Bancorp's highest PS Ratio was 4.09. The lowest was 1.46. And the median was 2.83.
SFBC's PS Ratio is ranked better than 53.46% of 1519
companies
in the Banks industry
Industry Median: 2.97
vs SFBC: 2.82
Sound Financial Bancorp Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Sound Financial Bancorp was 9.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was -0.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 1.40% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 4.60% per year.
During the past 13 years, Sound Financial Bancorp's highest 3-Year average Revenue per Share Growth Rate was 14.70% per year. The lowest was -0.70% per year. And the median was 7.00% per year.
Back to Basics: PS Ratio
Sound Financial Bancorp (NAS:SFBC) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's PS Ratio distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Sound Financial Bancorp's Share Price of today is $43.35. Sound Financial Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $15.39.
* 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.
It can also be calculated from the numbers for the whole company:
Sound Financial Bancorp (SFBC) has a PS Ratio of 2.82 as of Jun. 29, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Sound Financial Bancorp and its competitors. This is near median its historical median of 2.83. Over the past decade, Sound Financial Bancorp's PS Ratio has ranged from 1.46 to 4.09. According to the industry distribution chart, Sound Financial Bancorp ranks #707 out of 1519 companies in the Banks industry, placing it in the top 46.5%.
Is Sound Financial Bancorp's PS Ratio too high?
Sound Financial Bancorp's current PS Ratio of 2.82 is near median its 10-year median of 2.83. Over the past 10 years, this metric has ranged from a low of 1.46 to a high of 4.09. The Banks industry median PS Ratio is 2.97. Sound Financial Bancorp's value of 2.82 is 5.1% below this industry median. Based on the distribution chart, Sound Financial Bancorp ranks #707 out of 1519 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 PS Ratio compare to CZBS and HARL?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #707 out of 1519 companies for PS Ratio. This puts Sound Financial Bancorp in the upper half of its industry. The industry median PS Ratio is 2.97. Sound Financial Bancorp's value of 2.82 is 5.1% below this benchmark. Historically, Sound Financial Bancorp's own PS Ratio has ranged from 1.46 to 4.09 over the past decade. While the company's 10-year median is 2.83 vs. the industry median of 2.97, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.97, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sound Financial Bancorp's current PS Ratio of 2.82 is 5.1% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Sound Financial Bancorp and its competitors. For the Banks industry, the median PS Ratio is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sound Financial Bancorp's current PS Ratio is 2.82, which is near median its own 10-year median of 2.83. 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 $43.35 — trading 4.3% below its estimated fair value. The current PS Ratio is 2.82, which is near median its 10-year median of 2.83 and 5.1% below the Banks industry median of 2.97. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current PS Ratio is 2.82 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 $43.35 is trading 4.3% below its estimated GF Value™ of $45.31.
GuruFocus considers Sound Financial Bancorp to be Fairly Valued.
Key valuation signals for SFBC:
PS Ratio: 2.82 (near median its 10-year median of 2.83)
GF Value™: $45.31 vs. price of $43.35 (4.3% below fair value)
Industry Position: 5.1% below the Banks median (#707 of 1519)
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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