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Upturn AI SWOT - About
SFBC 
Sound Financial Bancorp Inc (SFBC)
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Upturn Advisory Summary
07/03/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 23.01% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/03/2025 |
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 1937 as Sound Savings and Loan Association. It converted to a stock form of organization in 1988 and became Sound Financial Bancorp, Inc. The company has focused on serving the Puget Sound region of Washington state, evolving into a full-service community bank.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals, families, and businesses, including deposit accounts, loans, and other financial products.
- Commercial Lending: Offers commercial real estate loans, business loans, and other credit facilities to support local businesses.
- Residential Lending: Originates residential mortgages, including conventional, FHA, and VA loans.
Leadership and Structure
The leadership team typically includes a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and other senior executives responsible for various departments. The organizational structure is based on a community bank model, with branch managers reporting to regional or executive management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Limited specific data available on Sound Financial Bancorp's market share. Competitors include larger national and regional banks like U.S. Bank (USB) and KeyCorp (KEY).
- Residential Mortgages: Loans for purchasing or refinancing homes. Market share data is fragmented. Competitors include Rocket Mortgage (RKT) and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. No specific market share data available. Competitors include Chase (JPM) and Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, increased competition from fintech companies, and regulatory changes. Community banks are focusing on personalized service and local expertise.
Positioning
Sound Financial Bancorp is a community bank focused on serving the Puget Sound region. Its competitive advantages include local knowledge, customer relationships, and quick decision-making. It lacks the scale and resources of larger competitors.
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 captures a small portion of this TAM due to its regional focus and size.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused service
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Less diversified revenue streams
Opportunities
- Expanding into new markets within the Puget Sound region
- Developing new products and services
- Leveraging technology to improve efficiency
- Acquiring smaller banks or credit unions
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- U.S. Bancorp (USB)
- KeyCorp (KEY)
- Columbia Banking System Inc (COLB)
Competitive Landscape
Sound Financial Bancorp faces intense competition from larger national and regional banks. Its advantages include local relationships and personalized service, but it lacks the scale and resources of its larger competitors. Smaller market share than USB and KEY puts pressure on organic growth.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires access to past financial statements.
Future Projections: Future projections require analyst reports.
Recent Initiatives: Recent initiatives require company press releases and investor relations information.
Summary
Sound Financial Bancorp is a small community bank with a strong local presence, but it faces challenges from larger competitors. It excels in customer service and local knowledge. However, its smaller scale and limited resources restrict its growth potential. Rising interest rates and economic downturns are threats that will need to be monitored
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Public Financial Statements
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is estimated and may not be precise.
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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