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Upturn AI Summary - About
Sound Financial Bancorp Inc(SFBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SFBC
11/09/2026: SFBC (1-star) is currently NOT-A-BUY. Pass it for now.
Sound Financial Bancorp Inc is a regional bank holding company centered in the Puget Sound, focusing on providing essential commercial and retail banking services. The company's strengths lie in its long-standing community relationships and a disciplined approach to local lending. The primary growth opportunity involves expanding commercial loan portfolios and enhancing digital banking efficiency. Key risks include the narrow geographic concentration of the bank, sensitivity to interest rate fluctuations, and intense competition from larger regional institutions. The stock may suit dividend-oriented investors looking for exposure to community banking, though potential investors should monitor regional economic health and the impact of the interest rate environment on profitability.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature, slow-growth industry rather than high-growth sectors. |
| Momentum investor | Weak fit | The stock typically exhibits low volatility and lacks the rapid price action momentum investors often seek. |
| Value investor | Mixed fit | Value investors may find the valuation compelling depending on earnings multiples relative to book value. |
| Dividend investor | Strong fit | The bank's history of regular dividend payments makes it potentially suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, banking risks related to credit and interest rates introduce volatility for conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is subject to fluctuations driven by sector-specific economic news and interest rate changes. |
| Valuation risk | Medium | Stock valuation is highly sensitive to the bank's ability to maintain stable earnings and book value growth. |
| Competition risk (Regional Banking) | High | Intense competition from larger regional and national banks limits pricing power. |
| Business quality | Medium | Profitability is dependent on the quality of the loan portfolio and effective risk management. |
| Dividend income | Medium | Dividends are subject to board approval and bank capital adequacy requirements. |
| Execution risk | Medium | Management must effectively navigate the regulatory and economic environment to achieve growth targets. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 21.71% | Avg. Invested days 61 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 107.26M USD | Price to earnings Ratio 13.4 | 1Y Target Price - |
Price to earnings Ratio 13.4 | 1Y Target Price - | ||
Volume (30-day avg) 2.4K shares | Beta 0.04 | 52 Weeks Range 40.11 - 48.76 | Updated Date 11/08/2026 |
52 Weeks Range 40.11 - 48.76 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 1.79% | Basic EPS (TTM) 3.36 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on mortgage and commercial loans minus interest paid on deposits. | The bank profits primarily from the difference between the interest it receives from borrowers and the interest it pays to depositors. |
| Non-Interest Income | Fees from deposit accounts, banking services, and mortgage banking activities. | The bank also earns revenue through service fees and processing charges related to customer banking activities. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When After Market | Estimate - | Actual 0.9 |
Profitability
Profit Margin 20.91% | Operating Margin (TTM) 28.54% |
Management Effectiveness
Return on Assets (TTM) 0.82% | Return on Equity (TTM) 7.82% |
Valuation
Trailing PE 13.4 | Forward PE - | Enterprise Value 11.18M | Price to Sales(TTM) 2.59 |
Enterprise Value 11.18M | Price to Sales(TTM) 2.59 | ||
Enterprise Value to Revenue 2.82 | Enterprise Value to EBITDA - | Shares Outstanding 2.38M | Shares Floating 1.74M |
Shares Outstanding 2.38M | Shares Floating 1.74M | ||
Percent Insiders 15.88 | Percent Institutions 45.71 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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