Superworth

Sound Financial Bancorp SFBC

Banks - Regional, Financial Services
$44.80
−1.30%
Market cap
$115M
PE
14.4×
10y median 13.7×
Forward PE
n/m
not a meaningful number
Revenue, 12 months
$40.3M
+6% on a year ago
Net margin
19.9%

Sound Financial Bancorp trades at 14.4× trailing earnings, near its ten-year median. Revenue was $40.3M over the last twelve months, up 6% on a year earlier with a 20% net margin.

Charts

Financials

Income statement for SFBC, by quarter
Income statementQ3 FY23Q4 FY23Q1 FY24Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
$9.2M−13%$8.6M−19%$8.6M−17%$8.6M−19%$9.1M−2%$9.4M+9%$9.2M+7%$10.4M+21%$9.8M+8%$9.5M+2%$10M+9%$11M+6%
SG&A$1.6M+1%$1.5M+0%$1.5M+1%$1.6M+5%$1.5M−5%$1.3M−14%$1.4M−6%$1.4M−8%$1.5M−4%$1.7M+27%$1.5M+10%$1.6M+12%
Interest expense$4.5M+283%$5.8M+171%$6.3M+125%$6.6M+80%$7M+54%$6.5M+13%$5.6M−11%$5.7M−14%$5.7M−18%$5.6M−14%$5.4M−4%$5.3M−7%
Pre-tax income$1.5M−54%$1.4M−61%$933K−66%$982K−72%$1.4M−3%$2.3M+71%$1.5M+56%$2.5M+159%$2.1M+47%$2.6M+12%$2M+34%$3.1M+23%
$295K−56%$142K−74%$163K−70%$187K−68%$267K−10%$389K+174%$291K+79%$488K+161%$395K+48%$339K−13%$384K+32%$597K+22%
Net income$1.2M−54%$1.2M−59%$770K−65%$795K−73%$1.2M−1%$1.9M+59%$1.2M+52%$2.1M+158%$1.7M+47%$2.2M+17%$1.6M+35%$2.5M+23%
$0.45−54%$0.47−58%$0.30−64%$0.31−72%$0.45+0%$0.74+57%$0.45+50%$0.79+155%$0.66+47%$0.87+18%$0.61+36%$0.98+24%
2.6M−1%2.6M−2%2.6M−2%2.6M−1%2.6M−0%2.6M+1%2.6M+1%2.6M+1%2.6M+0%2.6M−0%2.6M−0%2.6M−0%

EPS, diluted: 15 periods, Q4 FY11 to Q4 FY25: quarter's net income to common over its shares, to the cent.

Diluted shares: 15 periods, Q4 FY11 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days.

From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.

Peers

Companies in Banks - Regional nearest Sound Financial Bancorp's size, closest first.

CompanyMarket capPEIts 10y median PEFwd PEP/SRevenue growthNet margin
SFBCSound Financial Bancorp$115M14.4×13.7×n/m+6%19.9%
BSBKBogota Financial$116.1M41.4×26.4×n/m+25%14.4%
UNBUnion Bankshares$113.9M8.9×10.7×n/m+14%21.2%
PROVProvident Financial$113.5M17.7×17.2×n/m+3%16.6%
WSBKWinchester Bancorp$121.7M26.2×25.8×n/m+36%16.8%
MGYRMagyar Bancorp$128.5M10.6×12.5×n/mn/mn/m
BOTJBank of the James Financial$135.1M11.8×9.9×n/m+12%22.2%
AUBNAuburn National Bancorporation$93.6M11.1×15.8×n/m+9%24.5%
FUSBFirst US Bancshares$91.9M12.7×14.9×n/m+5%18.6%
FNWBFirst Northwest Bancorp$91.8M60.3×17.6×n/m+4%2.2%
FDSBFifth District Bancorp$91.3M51.3×20.5×n/m−8%11.1%
Peer median$113.7M15.2×16.5×n/a+9%16.8%

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Industry
Banks - Regional
Sector
Financial Services

Valuation data, not investment advice. Prices as of .