SFBC

Sound Financial Bancorp, Inc.

Financial Services · $102M market cap

Share price

$46.21

close of Oct 3, 2026

Fair value

$24.69

Sticker Price

Payback Price

$9.88

buy price

Overpriced

SFBC is Overpriced: at $46.21 it trades 87% above its fair value of $24.69. Its buy price (Payback Price) is $9.88, 79% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth11.5% a year✓

Equity per share growth8.8% a year✗

Sales growth7.3% a year✗

Free cash flow growth2.6% a year✗

Return on invested capital4.1%✗

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Insider activity

Since Jun 30, 2026: no open-market purchases, 1 sale worth $38K and 1 other filing (stock awards, tax withholding and similar). Why purchases matter

Sales

Stewart Laura Lee

President and CEO · 2026-06-30

Sold

$38K

Other filings

Jones Debra

director · 2026-08-18

G-Gift

4,920 shares

About Sound Financial Bancorp, Inc.

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 provides loans secured by first and second mortgages on one-to-four family residences…

Banks - Regional