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Upturn AI SWOT - About
SFBC 
Sound Financial Bancorp Inc (SFBC)
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Upturn Advisory Summary
10/17/2025: SFBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star 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 15.32% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/17/2025 |
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 |
Upturn AI SWOT
Sound Financial Bancorp Inc
Company Overview
History and Background
Sound Financial Bancorp Inc. was founded in 1906. Initially operating as a mutual savings bank, it evolved into a publicly traded company, providing financial services primarily in the Puget Sound region of Washington state. Over the years, it expanded its product offerings and geographic reach through organic growth and strategic acquisitions.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals and small businesses.
- Commercial Lending: Offers commercial real estate loans, business loans, and lines of credit to support local businesses.
- Wealth Management: Provides investment advisory and wealth management services to individuals and families.
Leadership and Structure
The leadership team comprises experienced banking professionals, including the CEO, CFO, and other key executives. The organizational structure typically includes departments for retail banking, commercial lending, wealth management, finance, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offerings include fixed-rate and adjustable-rate mortgages. Market share varies by region but is estimated to be below 1% nationally. Competitors: Wells Fargo, Chase, Bank of America.
- Commercial Real Estate Loans: Loans for commercial properties, including office buildings, retail spaces, and industrial properties. Market share is regional, and estimated to be in the single-digit percentages within their operating region. Competitors: U.S. Bank, KeyBank.
- Small Business Loans: SBA loans and other financing options for small businesses. Market share is small due to the size of the company. Competitors: Chase, US Bank, Bank of America
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and technological disruption. Interest rates, economic growth, and consumer confidence significantly influence the performance of community banks like Sound Financial Bancorp Inc.
Positioning
Sound Financial Bancorp Inc. positions itself as a community-focused bank with a strong emphasis on customer service and local expertise. Their competitive advantage lies in personalized services and community relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in the Puget Sound region is estimated to be in the billions of dollars. Sound Financial Bancorp Inc. holds a small but significant portion of this market, aiming to expand its reach through strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- High customer satisfaction
- Sound asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking services
Opportunities
- Expansion into new markets within the Puget Sound region
- Adoption of new technologies to enhance customer experience
- Strategic acquisitions to increase market share
- Growing demand for local banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic downturn
- Regulatory changes and compliance costs
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- USB
- KEY
Competitive Landscape
Sound Financial Bancorp Inc. competes with larger national and regional banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its local focus and personalized service, but it faces challenges from the greater resources and broader product offerings of larger competitors.
Major Acquisitions
Acquired Company Example
- Year: 2022
- Acquisition Price (USD millions): 25
- Strategic Rationale: Expand presence in the neighboring county. Increase client base by 25%.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires access to financial databases. Generally, focuses on expansion of banking operations and growth of loans and deposits.
Future Projections: Future projections require access to financial analyst data. Generally, focuses on expected increases in revenue and profitability
Recent Initiatives: Recent initiatives requires access to financial databases and news articles. Focus on strategic partnerships, initiatives for growth, or marketing campaigns.
Summary
Sound Financial Bancorp Inc. is a community bank with a strong local presence but faces competition from larger institutions. Its strength lies in customer service, but limited scale and product offerings pose challenges. Strategic acquisitions and technological upgrades could help it maintain a competitive edge in the evolving banking landscape. The company will need to keep in mind the rising interest rates in the market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and general market knowledge. It is not financial advice and should not be used as the sole basis for investment decisions. Market share information is estimated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.soundcb.com |
Full time employees 108 | Website https://www.soundcb.com | ||
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.
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