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Sound Financial Bancorp Inc (SFBC)

Upturn stock ratingUpturn stock rating
$45.14
Last Close (24-hour delay)
Profit since last BUY-7.23%
upturn advisory
WEAK BUY
BUY since 15 days
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

09/12/2025: SFBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Analysis of Past Performance

Type Stock
Historic Profit 14.18%
Avg. Invested days 50
Today’s Advisory WEAK BUY
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 09/12/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 109.85M USD
Price to earnings Ratio 23.59
1Y Target Price -
Price to earnings Ratio 23.59
1Y Target Price -
Volume (30-day avg) -
Beta 0.23
52 Weeks Range 41.36 - 55.43
Updated Date 06/29/2025
52 Weeks Range 41.36 - 55.43
Updated Date 06/29/2025
Dividends yield (FY) 1.65%
Basic EPS (TTM) 1.95

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 13.78%
Operating Margin (TTM) 17.95%

Management Effectiveness

Return on Assets (TTM) 0.47%
Return on Equity (TTM) 4.9%

Valuation

Trailing PE 23.59
Forward PE -
Enterprise Value 26354596
Price to Sales(TTM) 3
Enterprise Value 26354596
Price to Sales(TTM) 3
Enterprise Value to Revenue 4.14
Enterprise Value to EBITDA -
Shares Outstanding 2388040
Shares Floating 1695495
Shares Outstanding 2388040
Shares Floating 1695495
Percent Insiders 17.42
Percent Institutions 36.61

ai summary icon Upturn AI SWOT

Sound Financial Bancorp Inc

stock logo

Company Overview

overview logo History and Background

Sound Financial Bancorp, Inc. was founded in 1953 as Sound Savings and Loan Association. It has evolved from a savings and loan to a full-service community bank, focusing on serving the Puget Sound region of Washington state. Significant milestones include its conversion to a stock company and its growth through organic expansion and strategic acquisitions.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of lending and deposit products tailored to businesses, including commercial real estate loans, lines of credit, and business checking accounts.
  • Retail Banking: Offers personal banking services such as checking and savings accounts, mortgage loans, and consumer loans to individuals and families.
  • Wealth Management: Provides wealth management and investment advisory services through Sound Investment Services

leadership logo Leadership and Structure

The company is led by its President and CEO, Laurie Stewart. The organizational structure includes various departments such as lending, retail banking, finance, and operations, reporting to the executive management team and Board of Directors.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Commercial Real Estate loans are offered as part of the company's Commercial Banking segment. CRE lending accounts for a significant portion of their loan portfolio. The market is highly competitive with other banks and credit unions in the Puget Sound region, such as KeyCorp (KEY) and Umpqua Holdings Corporation (UMPQ). Reliable market share data is difficult to obtain.
  • Residential Mortgages: Residential Mortgages are offered through the company's Retail Banking segment and can be a source of revenue. Competitors in this space include larger national banks and mortgage lenders, such as Wells Fargo (WFC) and Rocket Companies (RKT). Reliable market share data is difficult to obtain.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing a changing interest rate environment, increased regulatory scrutiny, and heightened competition from both traditional and non-traditional players, including fintech companies.

Positioning

Sound Financial Bancorp Inc. is positioned as a community bank focused on serving the Puget Sound region. Its competitive advantages include its local market expertise, personalized customer service, and strong community relationships.

Total Addressable Market (TAM)

The TAM for banking services in the Puget Sound region is estimated to be in the billions of dollars. Sound Financial Bancorp Inc. is positioned to capture a share of this TAM through its branch network, online banking platform, and business development efforts. More precise TAM figures are dependent on geographic boundaries of the Puget Sound region and the specific segment in question

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Experienced management team
  • Customer relationships
  • Well-capitalized

Weaknesses

  • Limited geographic footprint
  • Smaller scale compared to larger competitors
  • Reliance on traditional banking model

Opportunities

  • Expansion into new markets within the Puget Sound region
  • Adoption of new technologies to improve efficiency and customer service
  • Strategic acquisitions of smaller banks or credit unions
  • Growing wealth management business

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturns
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • WAFD
  • UMPQ
  • COLB

Competitive Landscape

SFBC faces competition from larger regional and national banks. Its advantages include local market expertise and customer service. Its disadvantages include its smaller scale and limited geographic footprint.

Growth Trajectory and Initiatives

Historical Growth: Historical growth has been achieved through organic expansion of the branch network and strategic acquisitions.

Future Projections: Future growth projections from analysts depend on multiple factors. These factors include the economic climate, market trends and the companies strategic decisions. Specific analyst estimates are not readily available.

Recent Initiatives: Recent initiatives may include expansion of digital banking services, investment in new technologies, and efforts to improve customer experience.

Summary

Sound Financial Bancorp Inc. is a well-established community bank with a strong presence in the Puget Sound region. The company benefits from its local market expertise and customer relationships. However, it faces challenges from larger competitors and economic conditions. Strategic initiatives focused on technology and expansion are crucial for future growth.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Financial News Outlets
  • Analyst Reports

Disclaimers:

The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. Financial data is subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Sound Financial Bancorp Inc

Exchange NASDAQ
Headquaters Seattle, WA, United States
IPO Launch date 2008-01-09
President, CEO & Director Ms. Laura Lee Stewart
Sector Financial Services
Industry Banks - Regional
Full time employees 108
Full time employees 108

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 offers 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. Sound Financial Bancorp, Inc. was founded in 1953 and is headquartered in Seattle, Washington.