A Business at a Glance
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Special Note Regarding Forward-Looking Statements Certain matters discussed in this Form 10-K constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements relate to our financial condition, results of operations, plans, objectives, future performance or business. Forward-looking statements are not statements of historical fact but are based on certain assumptions and are generally identified by use of the words "believes," "expects," "anticipates," "estimates," "forecasts," "intends," "plans," "targets," "potentially," "probably," "projects," "outlook" or similar expressions, or future or conditional verbs such as "may," "will," "should," "would" and "could.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 39M | 36M | 39M | 40M | 37M | 35M |
| Net Income | 6.8M | 4.6M | 7.4M | 8.8M | 9.2M | 8.9M |
| EPS | $2.65 | $1.80 | $2.86 | $3.35 | $3.46 | $3.42 |
| Free Cash Flow | 5.2M | 2.9M | 6.4M | 9.7M | 19M | -891K |
| ROIC | 0.0% | 44.0% | 37.5% | 31.2% | 13.2% | 17.3% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 8.58 | 8.89 | 8.99 | 8.85 | 9.08 |
| Dividends/Share | $0.76 | $0.76 | $0.74 | $0.77 | $0.77 | $0.79 |
| Operating Income | 0 | 30M | 23M | 15M | 15M | 19M |
| Operating Margin | 0.0% | 83.4% | 59.5% | 38.6% | 41.3% | 53.8% |
| ROE | 6.4% | 4.5% | 7.4% | 9.0% | 9.8% | 10.5% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 3M | 3M |
Sound Financial Bancorp, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
Sound Financial Bancorp, Inc. trades at 17.1x trailing earnings, compared to its 15-year median P/E of 11.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 22.4x vs a median of 10.1x. The company's 5-year average ROIC is 28.7%. Total shareholder yield (dividends) is 1.7%. At current prices, the estimated annualized return to fair value is -2.0%.
Sound Financial Bancorp, Inc. (SFBC) has a current P/E ratio of 17.1, compared to its historical median P/E of 11.7. The stock is currently considered Fair based on its historical valuation range.
Sound Financial Bancorp, Inc. (SFBC) has a 5-year average return on invested capital (ROIC) of 28.7%. This indicates strong capital allocation and a potential competitive advantage.
Sound Financial Bancorp, Inc. (SFBC) has a market capitalization of $116M. It is classified as a small-cap stock.
Yes, Sound Financial Bancorp, Inc. (SFBC) pays a dividend with a trailing twelve-month yield of 1.68%. The company also returns capital through share buybacks, with a buyback yield of 0.06%.
Based on historical P/E analysis, Sound Financial Bancorp, Inc. (SFBC) appears fair. The current P/E of 17.1 is 45% above its historical median of 11.7. The estimated fair value CAGR (P/E method) is -2.9%.
Sound Financial Bancorp, Inc. (SFBC) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
Sound Financial Bancorp, Inc. (SFBC) reported annual revenue of $36 million in its most recent fiscal year, based on SEC EDGAR filings.
Sound Financial Bancorp, Inc. (SFBC) has a net profit margin of 13.0%. This is a healthy margin.
Sound Financial Bancorp, Inc. (SFBC) generated $3 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Sound Financial Bancorp, Inc. (SFBC) has a debt-to-equity ratio of 8.58. This indicates higher leverage, which may increase financial risk.
Sound Financial Bancorp, Inc. (SFBC) reported earnings per share (EPS) of $1.80 in its most recent fiscal year.
Sound Financial Bancorp, Inc. (SFBC) has a return on equity (ROE) of 4.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 14 years of financial data for Sound Financial Bancorp, Inc. (SFBC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Sound Financial Bancorp, Inc. (SFBC) has a book value per share of $40.22, based on its most recent annual SEC filing.