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Sound Financial BancorpSFBC -1.02%52 3-Year Share Buyback Ratio is 2.70 as of Mar. 2026, which is 1250% above its 10-year median of 0.20. GuruFocus rates SFBC with a GF Score™ of 52/100 and a GF Value™ of $45.29 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,041 Banks companies, Sound Financial Bancorp ranks better than 91.64% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Sound Financial Bancorp's current 3-Year Share Buyback Ratio was 2.70%.
The historical rank and industry rank for Sound Financial Bancorp's 3-Year Share Buyback Ratio or its related term are showing as below:
SFBC'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -1.1 Med: 0.2 Max: 3
Current: 2.7
During the past 13 years, Sound Financial Bancorp's highest 3-Year Share Buyback Ratio was 3.00%. The lowest was -1.10%. And the median was 0.20%.
SFBC's 3-Year Share Buyback Ratio is ranked better than 91.64% of 1041
companies
in the Banks industry
Industry Median: -0.2
vs SFBC: 2.70
Sound Financial Bancorp (NAS:SFBC) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Sound Financial Bancorp 3-Year Share Buyback Ratio Related Terms
SFBC vs NWPP, PFBX, GSBX: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Sound Financial Bancorp's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's 3-Year Share Buyback Ratio falls into.
Sound Financial Bancorp 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 2.70 mean?
Sound Financial Bancorp (SFBC) has a 3-Year Share Buyback Ratio of 2.70 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Sound Financial Bancorp and its competitors. This is 1250% above median its historical median of 0.20. According to the industry distribution chart, Sound Financial Bancorp ranks #87 out of 1041 companies in the Banks industry, placing it in the top 8.4%.
Is Sound Financial Bancorp's 3-Year Share Buyback Ratio too high?
Sound Financial Bancorp's current 3-Year Share Buyback Ratio of 2.70 is 1250% above median its 10-year median of 0.20. Based on the distribution chart, Sound Financial Bancorp ranks #87 out of 1041 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 3-Year Share Buyback Ratio compare to NWPP and PFBX?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #87 out of 1041 companies for 3-Year Share Buyback Ratio. This places Sound Financial Bancorp in the top 8% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Sound Financial Bancorp and its competitors. Sound Financial Bancorp's current 3-Year Share Buyback Ratio is 2.70, which is 1250% 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 $45.29, compared to a current price of $46.41 — trading 2.5% above its estimated fair value. The current 3-Year Share Buyback Ratio is 2.70, which is 1250% above median its 10-year median of 0.20. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current 3-Year Share Buyback Ratio is 2.70 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 overvalued.
The current stock price of $46.41 is trading 2.5% above its estimated GF Value™ of $45.29.
GuruFocus considers Sound Financial Bancorp to be Fairly Valued.
Key valuation signals for SFBC:
3-Year Share Buyback Ratio: 2.70 (1250% above median its 10-year median of 0.20)
GF Value™: $45.29 vs. price of $46.41 (2.5% above fair value)
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.
52GF Score
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