Sound Financial BancorpSFBC -0.78%51 5-Year Yield-on-Cost % is 2.26 as of Jul. 07, 2026, which is 12% above its 10-year median of 2.01. 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 1,255 Banks companies, Sound Financial Bancorp ranks worse than 78.41% on this metric.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Sound Financial Bancorp 5-Year Yield-on-Cost % Related Terms
SFBC vs CZBS, HARL, CMHF: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Sound Financial Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Sound Financial Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Sound Financial Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Sound Financial Bancorp (SFBC) has a 5-Year Yield-on-Cost % of 2.26 as of Jul. 07, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sound Financial Bancorp and its competitors. This is 12% above median its historical median of 2.01. Over the past decade, Sound Financial Bancorp's 5-Year Yield-on-Cost % has ranged from 1.22 to 4.19. According to the industry distribution chart, Sound Financial Bancorp ranks #984 out of 1255 companies in the Banks industry, placing it in the top 78.4%.
Is Sound Financial Bancorp's 5-Year Yield-on-Cost % too high?
Sound Financial Bancorp's current 5-Year Yield-on-Cost % of 2.26 is 12% above median its 10-year median of 2.01. Over the past 10 years, this metric has ranged from a low of 1.22 to a high of 4.19. The Banks industry median 5-Year Yield-on-Cost % is 3.90. Sound Financial Bancorp's value of 2.26 is 42.1% below this industry median. Based on the distribution chart, Sound Financial Bancorp ranks #984 out of 1255 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to CZBS and HARL?
According to the Banks industry distribution chart, Sound Financial Bancorp ranks #984 out of 1255 companies for 5-Year Yield-on-Cost %. This places Sound Financial Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.90. Sound Financial Bancorp's value of 2.26 is 42.1% below this benchmark. Historically, Sound Financial Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.22 to 4.19 over the past decade. While the company's 10-year median is 2.01 vs. the industry median of 3.90, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.90, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sound Financial Bancorp's current 5-Year Yield-on-Cost % of 2.26 is 42.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sound Financial Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sound Financial Bancorp's current 5-Year Yield-on-Cost % is 2.26, which is 12% above median its own 10-year median of 2.01. 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 $44.34 — trading 2.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 2.26, which is 12% above median its 10-year median of 2.01 and 42.1% below the Banks industry median of 3.90. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Sound Financial Bancorp (SFBC), the current 5-Year Yield-on-Cost % is 2.26 as of Jul. 07, 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 $44.34 is trading 2.1% below its estimated GF Value™ of $45.31.
GuruFocus considers Sound Financial Bancorp to be Fairly Valued.
Key valuation signals for SFBC:
5-Year Yield-on-Cost %: 2.26 (12% above median its 10-year median of 2.01)
GF Value™: $45.31 vs. price of $44.34 (2.1% below fair value)
Industry Position: 42.1% below the Banks median (#984 of 1255)
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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