Stocktoria

Sound Financial Bancorp, Inc. SFBC

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 2012-08-23

Sound Financial Bancorp, Inc. statistics & valuation

Market cap$111.2M
P / E15.5×
P / B1.0×
P / FCF15.9×
Dividend yield1.75%
Return on equity6.5%
Graham number +10.2%$51.44

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($51.44); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.90% 7.90% 9.80% 8.60% 10.50% 9.80% 9.00% 7.40% 4.50% 6.50% 2016201720182019202020212022202320242025
Shares outstanding
2.6M 2.6M 2.6M 2.6M 2.6M 2.6M 2.6M 2.6M 2.6M 2.6M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.80% 1.00% 0.90% 1.00% 1.00% 0.90% 0.70% 0.50% 0.70% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$2.09 $2.00 $2.74 $2.57 $3.42 $3.46 $3.35 $2.86 $1.80 $2.77 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Sound Financial Bancorp, Inc. trades at about 16.8× earnings — above its 10-year norm (10-year range 9.6×–29.4×, median 13.9×).

9.6× 29.4×

Shaded band = 10-year range (9.6×–29.4×); dot = today's 16.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.7%0.5%0.7%0.9%1.0%1.0%0.9%1.0%0.8%0.9%
Return on equity6.5%4.5%7.4%9.0%9.8%10.5%8.6%9.8%7.9%8.9%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.