SFBC (Sound Financial Bancorp) Scaled Net Operating Assets: -0.01 (As of Mar. 2026)


SFBC Sound Financial Bancorp Inc SFBC
51 GF Score
Price $43.64
GF Value $45.31
Valuation Fairly Valued
! 1 Warning Sign
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What is Sound Financial Bancorp Scaled Net Operating Assets?

Sound Financial Bancorp SFBC -0.50% 51 Scaled Net Operating Assets is -0.01 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sound Financial Bancorp's operating assets for the quarter that ended in Mar. 2026 was $971.78 Mil. Sound Financial Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $980.46 Mil. Sound Financial Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $1,092.17 Mil. Therefore, Sound Financial Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.01.

SFBC
51GF Score
Sound Financial Bancorp Inc SFBC
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Sound Financial Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sound Financial Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(953.72-961.302)/993.633
=-0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1092.173 - 138.453
=953.72

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=982.774 - 21.472 - 0
=961.302

Sound Financial Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(971.782-980.461)/1092.173
=-0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1112.051 - 140.269
=971.782

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1001.637 - 21.176 - 0
=980.461

* 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.

What does a Scaled Net Operating Assets of -0.01 mean?
Sound Financial Bancorp (SFBC) has a Scaled Net Operating Assets of -0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sound Financial Bancorp and its competitors.
Is Sound Financial Bancorp's Scaled Net Operating Assets too high?
Sound Financial Bancorp's current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets compare to CYVF and CNBB?
Sound Financial Bancorp's Scaled Net Operating Assets of -0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sound Financial Bancorp and its competitors. Sound Financial Bancorp's current Scaled Net Operating Assets is -0.01. 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 $43.64 — trading 3.7% below its estimated fair value. The current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current Scaled Net Operating Assets is -0.01 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 $43.64 is trading 3.7% below its estimated GF Value™ of $45.31. GuruFocus considers Sound Financial Bancorp to be Fairly Valued.

Key valuation signals for SFBC:

  • Scaled Net Operating Assets: -0.01
  • GF Value™: $45.31 vs. price of $43.64 (3.7% 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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$43.64
Price
$45.31
GF Value