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Sound Financial BancorpSFBC -0.35%61 Shiller PE Ratio is 14.27 as of Sep. 08, 2026, which is 1% below its 10-year median of 14.43. GuruFocus rates SFBC with a GF Score™ of 61/100 and a GF Value™ of $46.31 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,236 Banks companies, Sound Financial Bancorp ranks worse than 52.1% on this metric.
The historical rank and industry rank for Sound Financial Bancorp's Shiller PE Ratio or its related term are showing as below:
SFBC'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 11.39 Med: 14.43 Max: 21.67
Current: 14.27
During the past years, Sound Financial Bancorp's highest Shiller PE Ratio was 21.67. The lowest was 11.39. And the median was 14.43.
SFBC's Shiller PE Ratio is ranked worse than 52.1% of 1236
companies
in the Banks industry
Industry Median: 14.01
vs SFBC: 14.27
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Sound Financial Bancorp's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.980. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $3.33 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Sound Financial Bancorp (NAS:SFBC) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Sound Financial Bancorp Shiller PE Ratio Related Terms
Sound Financial Bancorp Shiller PE Ratio Historical Data
* 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.
SFBC vs FKYS, CMHF, BLHK: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Sound Financial Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's Shiller PE Ratio falls into.
Sound Financial Bancorp Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Sound Financial Bancorp (SFBC) has a Shiller PE Ratio of 14.27 as of Sep. 08, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Sound Financial Bancorp and its competitors. This is near median its historical median of 14.43. Over the past decade, Sound Financial Bancorp's Shiller PE Ratio has ranged from 11.39 to 21.67. According to the industry distribution chart, Sound Financial Bancorp ranks #644 out of 1236 companies in the Banks industry, placing it in the top 52.1%.
Is Sound Financial Bancorp's Shiller PE Ratio too high?
Sound Financial Bancorp's current Shiller PE Ratio of 14.27 is near median its 10-year median of 14.43. Over the past 10 years, this metric has ranged from a low of 11.39 to a high of 21.67. The Banks industry median Shiller PE Ratio is 14.01. Sound Financial Bancorp's value of 14.27 is 1.9% above this industry median. Based on the distribution chart, Sound Financial Bancorp ranks #644 out of 1236 companies in the Banks industry, which is below the industry midpoint. Overall, Sound Financial Bancorp has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sound Financial Bancorp's Shiller PE Ratio compare to FKYS and CMHF?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #644 out of 1236 companies for Shiller PE Ratio. This places Sound Financial Bancorp in the lower half of its industry. The industry median Shiller PE Ratio is 14.01. Sound Financial Bancorp's value of 14.27 is 1.9% above this benchmark. Historically, Sound Financial Bancorp's own Shiller PE Ratio has ranged from 11.39 to 21.67 over the past decade. While the company's 10-year median is 14.43 vs. the industry median of 14.01, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 14.01, based on 1,236 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sound Financial Bancorp's current Shiller PE Ratio of 14.27 is 1.9% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Sound Financial Bancorp and its competitors. For the Banks industry, the median Shiller PE Ratio is 14.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sound Financial Bancorp's current Shiller PE Ratio is 14.27, which is near median its own 10-year median of 14.43. 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 $46.31, compared to a current price of $47.53 — trading 2.6% above its estimated fair value. The current Shiller PE Ratio is 14.27, which is near median its 10-year median of 14.43 and 1.9% above the Banks industry median of 14.01. Sound Financial Bancorp's overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current Shiller PE Ratio is 14.27 as of Sep. 08, 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 overvalued.
The current stock price of $47.53 is trading 2.6% above its estimated GF Value™ of $46.31.
GuruFocus considers Sound Financial Bancorp to be Fairly Valued.
Key valuation signals for SFBC:
Shiller PE Ratio: 14.27 (near median its 10-year median of 14.43)
GF Value™: $46.31 vs. price of $47.53 (2.6% above fair value)
Industry Position: 1.9% above the Banks median (#644 of 1236)
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.
61GF Score
Get the complete analysis for SFBC
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