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Upturn AI SWOT - About
SFBC 
Sound Financial Bancorp Inc (SFBC)
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Upturn Advisory Summary
09/15/2025: SFBC (1-star) is a SELL. SELL since 1 days. Simulated Profits (-6.31%). Updated daily EoD!
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 SELL |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
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 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.
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 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
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
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
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.
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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