Sound Financial Bancorp, Inc. (SFBC) Financial Ratios
19 years of historical data (2007–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
-1.13
↓-109% vs avg
5yr avg: 11.99
30Y Low3.8·High18.3
P/FCF
↑
15.33
↓-19% vs avg
5yr avg: 18.88
30Y Low2.1·High47.3
P/B Ratio
↓
0.98
↓-11% vs avg
5yr avg: 1.11
30Y Low0.4·High1.3
ROE
↓
6.7%
-12% vs avg
5yr avg: 7.6%
30Y Low-2%·High11%
Debt/EBITDA
↑
2.48
↓-37% vs avg
5yr avg: 3.92
30Y Low1.4·High41.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SFBC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Sound Financial Bancorp, Inc. trades at 15.0x earnings, 9% below its 5-year average of 16.6x, sitting at the 76th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 13%. On a free-cash-flow basis, the stock trades at 15.3x P/FCF, 19% below the 5-year average of 18.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $107M | $112M | $135M | $93M | $101M | $116M | $82M | $93M | $84M | $87M | $72M |
| Enterprise Value | $-9816691 | $-4630216 | $132M | $100M | $104M | $-50147296 | $-92789109 | $53M | $106M | $86M | $72M |
| P/E Ratio → | 15.01 | 15.69 | 29.25 | 13.64 | 11.65 | 12.61 | 9.20 | 13.90 | 11.88 | 17.01 | 13.40 |
| P/S Ratio | 1.74 | 1.82 | 2.18 | 1.67 | 2.29 | 2.80 | 1.94 | 2.41 | 2.24 | 2.80 | 2.38 |
| P/B Ratio | 0.98 | 1.03 | 1.30 | 0.92 | 1.04 | 1.24 | 0.96 | 1.20 | 1.17 | 1.34 | 1.19 |
| P/FCF | 15.33 | 16.07 | 47.30 | 14.41 | 10.51 | 6.13 | — | 8.93 | 8.63 | 20.08 | 11.70 |
| P/OCF | 14.96 | 15.69 | 46.08 | 13.48 | 10.09 | 6.06 | — | 8.41 | 8.09 | 12.80 | 10.06 |
P/E links to full P/E history page with 30-year chart
SFBC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.08 | 2.13 | 1.79 | 2.34 | -1.22 | -2.19 | 1.37 | 2.83 | 2.75 | 2.39 |
| EV / EBITDA | -1.13 | -0.53 | 18.30 | 9.36 | 8.32 | -3.85 | -7.06 | 5.35 | 10.86 | 9.38 | 8.13 |
| EV / EBIT | -1.13 | -0.53 | 23.42 | 11.07 | 9.54 | -4.39 | -8.19 | 6.33 | 12.09 | 10.46 | 8.93 |
| EV / FCF | — | -0.66 | 46.30 | 15.47 | 10.74 | -2.66 | — | 5.07 | 10.92 | 19.70 | 11.74 |
SFBC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Sound Financial Bancorp, Inc. earns an operating margin of 14.1%, below the Financial Services sector average of 21.4%. Operating margins have compressed from 16.2% to 14.1% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 6.7% is modest, trailing the sector median of 9.3%. ROIC of 4.7% represents below-average returns on invested capital versus a sector median of 5.6%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.1% | 63.1% | 57.5% | 70.3% | 87.3% | 89.4% | 80.2% | 80.6% | 84.3% | 87.6% | 88.8% |
| Operating Margin | 14.1% | 14.1% | 9.1% | 16.2% | 24.5% | 27.7% | 26.7% | 21.6% | 23.4% | 26.3% | 26.8% |
| Net Profit Margin | 11.6% | 11.6% | 7.5% | 13.4% | 19.8% | 22.2% | 21.1% | 17.3% | 18.8% | 16.4% | 17.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.7% | 6.7% | 4.5% | 7.5% | 9.2% | 10.2% | 11.0% | 8.9% | 10.3% | 8.2% | 9.4% |
| ROA | 0.7% | 0.7% | 0.5% | 0.8% | 0.9% | 1.0% | 1.1% | 0.9% | 1.0% | 0.8% | 1.0% |
| ROIC | 4.7% | 4.7% | 2.8% | 4.3% | 6.1% | 8.0% | 8.6% | 5.0% | 4.7% | 5.1% | 5.8% |
| ROCE | 5.8% | 5.8% | 3.7% | 6.5% | 8.9% | 9.8% | 10.5% | 6.3% | 6.0% | 6.5% | 7.3% |
SFBC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Sound Financial Bancorp, Inc. carries a Debt/EBITDA ratio of 2.5x, which is manageable (41% below the sector average of 4.2x). The company holds a net cash position — cash of $138M exceeds total debt of $21M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.20 | 0.20 | 0.39 | 0.56 | 0.62 | 0.19 | 0.22 | 0.20 | 1.17 | 0.91 | 0.91 |
| Debt / EBITDA | 2.48 | 2.48 | 5.64 | 5.31 | 4.82 | 1.37 | 1.42 | 1.57 | 8.63 | 6.46 | 6.18 |
| Net Debt / Equity | — | -1.07 | -0.03 | 0.07 | 0.02 | -1.78 | -2.05 | -0.52 | 0.31 | -0.03 | 0.00 |
| Net Debt / EBITDA | -13.49 | -13.49 | -0.40 | 0.64 | 0.18 | -12.73 | -13.31 | -4.09 | 2.28 | -0.18 | 0.02 |
| Debt / FCF | — | -16.73 | -1.00 | 1.06 | 0.24 | -8.79 | — | -3.87 | 2.29 | -0.39 | 0.03 |
| Interest Coverage | 0.38 | 0.38 | 0.21 | 0.54 | 2.42 | 2.89 | 1.52 | 1.09 | 1.63 | 2.43 | 2.77 |
Net cash position: cash ($138M) exceeds total debt ($21M)
SFBC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.15x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.07x to 0.15x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.15 | 0.15 | 0.07 | 0.07 | 0.08 | 0.24 | 0.28 | 0.11 | 0.12 | 0.13 | 0.13 |
| Quick Ratio | 0.15 | 0.15 | 0.07 | 0.07 | 0.08 | 0.24 | 0.28 | 0.11 | 0.12 | 0.13 | 0.13 |
| Cash Ratio | 0.15 | 0.15 | 0.05 | 0.06 | 0.07 | 0.23 | 0.26 | 0.09 | 0.11 | 0.12 | 0.12 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SFBC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Sound Financial Bancorp, Inc. returns 1.9% to shareholders annually — split between a 1.8% dividend yield and 0.1% buyback yield. The payout ratio of 27.2% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.8% | 1.7% | 1.4% | 2.1% | 2.0% | 1.8% | 2.5% | 1.5% | 1.6% | 1.7% | 1.0% |
| Payout Ratio | 27.2% | 27.2% | 42.0% | 25.7% | 23.1% | 22.3% | 23.2% | 21.5% | 19.4% | 29.4% | 13.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.7% | 6.4% | 3.4% | 7.3% | 8.6% | 7.9% | 10.9% | 7.2% | 8.4% | 5.9% | 7.5% |
| FCF Yield | 6.5% | 6.2% | 2.1% | 6.9% | 9.5% | 16.3% | — | 11.2% | 11.6% | 5.0% | 8.5% |
| Buyback Yield | 0.1% | 0.1% | 0.2% | 2.6% | 1.8% | 0.1% | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 1.9% | 1.8% | 1.7% | 4.6% | 3.8% | 1.9% | 2.6% | 1.5% | 1.6% | 1.7% | 1.0% |
| Shares Outstanding | — | $3M | $3M | $2M | $3M | $3M | $3M | $3M | $3M | $3M | $3M |
Peer Comparison
Compare SFBC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SFBCYou | $107M | 15.0 | -1.1 | 15.3 | 63.1% | 14.1% | 6.7% | 4.7% | 2.5 |
 HFWA | $926M | 13.9 | 11.5 | 10.8 | 72.4% | 23.2% | 7.6% | 5.2% | 0.5 |
 WSBF | $340M | 12.5 | 20.6 | 19.0 | 71.2% | 16.6% | 7.7% | 3.2% | 12.3 |
 BSVN | $419M | 9.8 | 3.0 | 9.1 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 CZWI | $196M | 14.0 | 14.5 | 18.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NWBI | $2B | 15.4 | 13.9 | 14.6 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 BANR | $2B | 11.5 | 9.5 | 8.9 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 COLB | $7B | 12.9 | 11.8 | 10.0 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 WAFD | $3B | 13.5 | 13.0 | 13.1 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 EBMT | $177M | 11.7 | 9.1 | 6.2 | 70.9% | 15.0% | 8.1% | 4.4% | 3.2 |
 PFIS | $594M | 10.1 | 11.0 | 13.7 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
| Financial Services Median | — | 13.3 | 11.1 | 10.8 | 63.7% | 21.4% | 9.3% | 5.6% | 4.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 19 years · Updated daily
What if you invested $1,000 in SFBC 10 years ago?
Total return calculator · dividends reinvested
Calculate ReturnsHow much would $100/month in SFBC be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs SFBC Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowSFBC — Frequently Asked Questions
Quick answers to the most common questions about buying SFBC stock.
What is Sound Financial Bancorp, Inc.'s P/E ratio?
Sound Financial Bancorp, Inc.'s current P/E ratio is 15.0x. The historical average is 16.6x. This places it at the 76th percentile of its historical range.
What is Sound Financial Bancorp, Inc.'s EV/EBITDA?
Sound Financial Bancorp, Inc.'s current EV/EBITDA is -1.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.6x.
What is Sound Financial Bancorp, Inc.'s ROE?
Sound Financial Bancorp, Inc.'s return on equity (ROE) is 6.7%. The historical average is 6.9%.
Is SFBC stock overvalued?
Based on historical data, Sound Financial Bancorp, Inc. is trading at a P/E of 15.0x. This is at the 76th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Sound Financial Bancorp, Inc.'s dividend yield?
Sound Financial Bancorp, Inc.'s current dividend yield is 1.81% with a payout ratio of 27.2%.
What are Sound Financial Bancorp, Inc.'s profit margins?
Sound Financial Bancorp, Inc. has 63.1% gross margin and 14.1% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Sound Financial Bancorp, Inc. have?
Sound Financial Bancorp, Inc.'s Debt/EBITDA ratio is 2.5x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.