Stocktoria
Sound Financial Bancorp, Inc. SFBC
Sound Financial Bancorp, Inc. (SFBC) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 1.75% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SFBC | Sound Financial Bancorp, Inc. | 4/9 | — | 15.5 | — |
| NRIM | NORTHRIM BANCORP INC | 6/9 | — | 9.6 | +30.4% |
| EBC | Eastern Bankshares, Inc. | 3/9 | — | 57.9 | +19.1% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | 5/9 | — | 10.6 | +7.1% |
| AX | Axos Financial, Inc. | 5/9 | — | 12.6 | +1.8% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
All Finance, Insurance & Real Estate companies →
About Sound Financial Bancorp, Inc.
Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It accepts various deposits products comprising savings, money market deposit, NOW, and demand accounts, as well as certificates of deposit. The company also provides loans secured by first and second mortgages on one-to-four family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats and recreational vehicle loans, and loans secured by deposit accounts, and insurance products and services. Sound Financial Bancorp, Inc. was founded in 1953 and is headquartered in Seattle, Washington.
FAQ
Is SFBC financially healthy?
Sound Financial Bancorp, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does SFBC pay a dividend, and is it safe?
Yes. Sound Financial Bancorp, Inc. pays a dividend yielding about 1.75% with a 27.2% payout ratio, rated “safe” for safety.
How profitable is SFBC?
In FY2025, Sound Financial Bancorp, Inc. had a return on equity of 6.5%.
Is SFBC overvalued or undervalued?
Sound Financial Bancorp, Inc. trades at about 16.8× trailing earnings — above its 10-year norm (10-year range 9.6×–29.4×, median 13.9×). Stocktoria reports the data, not buy/sell advice.
Is SFBC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Sound Financial Bancorp, Inc.: a Piotroski F-score of 4/9, a P/E of about 15.5×, a dividend yield of 1.75%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.