Stocks · Financial Services · Banks - Regional
Sound Financial Bancorp, Inc. SFBC
$46.21 +3.49% Close, Oct 2, 2026 · NASDAQ · Market cap $110.0M
Inexpensive vs sector
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.12, up 28.4% year over year.
- The company holds net cash of $106.0M (cash above total debt).
- Revenue over the last four quarters was $62.1M, down 1.1% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 24%
- EPS growth (TTM, YoY)Top 39%
- FCF growth (TTM, YoY)Top 28%
- Revenue growth, 3-year CAGRBottom 35%
- Revenue growth accelerationBottom 39%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 39%
- Gross marginBottom 45%
- Operating marginBottom 35%
- Cash conversion (OCF / net income)Bottom 34%
- Accruals (lower is better)Bottom 32%
- Net debt / EBITDA (lower is better)Top 4%
- Interest coverBottom 24%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 49%
- Free-cash-flow yieldBottom 43%
- EBITDA / enterprise valueTop 1%
- Sales / enterprise valueTop 1%
- P/E vs own 5-year history (lower is better)Bottom 49%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 34%
- 6-month returnTop 39%
- 1-year return vs S&P 500Bottom 36%
- Distance from 52-week highTop 30%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 22%
- Maximum drawdown, 3 yearsTop 42%
- Beta vs S&P 500 (lower is better)Top 17%
- Net debt / EBITDA (lower is better)Top 4%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 0.4% | -1.1% | ↓ |
| EPS growth (YoY) | 50.3% | 28.4% | ↓ |
| Gross margin | 60.6% | 63.4% | ↑ |
| Operating margin | 12.3% | 15.7% | ↑ |
| FCF margin | 7.4% | 11.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -1.1% | 0.4% | ↓ | Bottom 24% |
| EPS growth (TTM, YoY) | 28.4% | 50.3% | ↓ | Top 39% |
| Gross margin | 63.4% | 60.6% | ↑ | Bottom 45% |
| Operating margin | 15.7% | 12.3% | ↑ | Bottom 35% |
| Net margin | 12.9% | 10.0% | ↑ | — |
| Free-cash-flow margin | 11.9% | 7.4% | ↑ | — |
| Return on invested capital | 0.8% | — | Bottom 39% | |
| Revenue growth, 3-year CAGR | 11.6% | — | Bottom 35% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.94×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +3.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -8.79×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.86%
- Net buyback yield (TTM)
- -0.61%
- Shareholder yield
- 1.25%
- Share count change, 1 year
- -0.1%
- Share count change, 3-year CAGR
- -0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 4 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | — | -1.8% | +4.2% | +4.8% | — |
| Apr 28, 2026 | — | +0.7% | -0.2% | +1.4% | +8.9% |
| Jan 27, 2026 | — | -0.1% | -0.0% | -3.0% | -1.6% |
| Oct 28, 2025 | — | -0.2% | -1.1% | -0.6% | -0.6% |
| Jul 29, 2025 | — | -1.9% | -4.2% | +1.1% | -5.3% |
| Apr 29, 2025 | — | -0.0% | -0.4% | -2.1% | -10.4% |
| Jan 29, 2025 | — | +0.0% | -1.0% | -5.3% | -3.1% |
| Oct 30, 2024 | — | +0.4% | +0.8% | +0.8% | -0.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.98 | — | — | $15.9M |
| Apr 28, 2026 | $0.61 | — | — | $15.4M |
| Jan 27, 2026 | $0.87 | — | — | $15.3M |
| Oct 28, 2025 | $0.66 | — | — | $15.5M |
| Jul 29, 2025 | $0.79 | — | — | $16.0M |
| Apr 29, 2025 | $0.45 | — | — | $14.8M |
| Jan 29, 2025 | $0.74 | — | — | $15.9M |
| Oct 30, 2024 | $0.45 | — | — | $16.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.8× | 14.3× | 57th | Top 49% |
| EV / EBITDA | 0.3× | — | — | Top 1% |
| EV / Sales | 0.06× | — | — | Top 1% |
| Free-cash-flow yield | 6.73% | — | — | Bottom 43% |
| Earnings yield | 6.75% | — | — | Top 49% |
P/E over the past five years
Range 9.3× – 35.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +0.9%
- Earnings per share growth (TTM)
- +28.4%
- Change in P/E multiple
- -22.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 5
- 50-day average slope (20 days)
- +2.1%
- 200-day average slope (20 days)
- +0.6%
- Distance from 50-day average
- -1.4%
- Distance from 200-day average
- +4.5%
- RSI (14)
- 47.8
- Relative volume
- 0.66×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 33.7%
- Volatility vs own 5-year history
- 97th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.11
- Correlation with S&P 500
- 0.08
- Current drawdown from 1-year high
- -5.5%
- Maximum drawdown, 3 years
- -26.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Sep 21, 2021 | Jun 21, 2023 | -29.3% | 439 days | 289 days (Aug 14, 2024) |
| Aug 30, 2024 | Mar 13, 2026 | -26.6% | 383 days | Not yet recovered |
| Mar 24, 2021 | May 4, 2021 | -10.6% | 28 days | 15 days (May 25, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $110.0M
- P/E (TTM)
- 14.8
- EPS, diluted (TTM)
- $3.12
- Revenue (TTM)
- $62.1M
- Dividend yield
- 1.77%
- 52-week range
- $40.68 – $49.21
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $41.2M | $44.4M | $55.6M | $62.1M | $61.6M |
| Gross profit | $36.8M | $38.7M | $39.1M | $35.7M | $38.9M |
| Operating income | $11.4M | $10.9M | $9.0M | $5.6M | $8.7M |
| Net income | $9.2M | $8.8M | $7.4M | $4.6M | $7.2M |
| EPS (diluted) | $3.49 | $3.37 | $2.86 | $1.80 | $2.78 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $16.1M | $15.9M | $14.8M | $16.0M | $15.5M | $15.3M | $15.4M | $15.9M |
| Net income | $1.2M | $1.9M | $1.2M | $2.1M | $1.7M | $2.2M | $1.6M | $2.5M |
| EPS (diluted) | $0.45 | $0.74 | $0.45 | $0.79 | $0.66 | $0.87 | $0.61 | $0.98 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $19.1M | $10.1M | $6.9M | $2.9M | $7.2M |
| Capital expenditure | -$225,000 | -$398,000 | -$444,000 | -$76,000 | -$170,000 |
| Free cash flow | $18.8M | $9.7M | $6.4M | $2.9M | $7.0M |
| Dividends paid | -$1.8M | -$2.0M | -$1.9M | -$1.9M | -$1.9M |
| Net share buybacks | -$152,000 | -$1.9M | -$2.4M | -$283,000 | $21,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $134.5M
- Total assets
- $1.07B
- Total liabilities
- $953.2M
- Total debt
- $14.0M
- Net debt
- -$106.0M
- Shareholders’ equity
- $112.6M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.21 | Aug 21, 2026 |
| May 11, 2026 | $0.21 | May 26, 2026 |
| Feb 9, 2026 | $0.21 | Feb 23, 2026 |
| Nov 7, 2025 | $0.19 | Nov 21, 2025 |
| Aug 11, 2025 | $0.19 | Aug 25, 2025 |
| May 9, 2025 | $0.19 | May 23, 2025 |
| Feb 12, 2025 | $0.19 | Feb 26, 2025 |
| Nov 12, 2024 | $0.19 | Nov 26, 2024 |
Short interest
- Shares sold short
- 5,410
- Days to cover
- 1.00
- Change vs previous report
- -13.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 23, 2012
- 437-for-500