US · SFBC
Sound Financial Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Seattle, WA 98121
- Website
- soundcb.com
Price · as of 2024-12-31
$41.42
Market cap 108.98M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $193.66 | +367.55% |
| Intrinsic Value(DCF) | $45.65 | +10.21% |
| Graham-Dodd Method(GD) | $38.40 | -7.29% |
| Graham Formula(GF) | $35.08 | -15.3% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $5.65 | $568.31 | $7.47 | $11.48 | $4.80 |
| 2011 | $6.33 | $34.44 | $8.57 | $12.62 | $0.00 |
| 2012 | $10.22 | $51.72 | $15.80 | $21.91 | $20.21 |
| 2013 | $13.99 | $146.40 | $17.46 | $23.49 | $20.96 |
| 2014 | $15.57 | $80.08 | $20.01 | $25.58 | $27.60 |
| 2015 | $18.76 | $224.02 | $21.28 | $28.04 | $29.24 |
| 2016 | $25.06 | $34.65 | $23.68 | $30.56 | $38.27 |
| 2017 | $30.44 | $38.56 | $24.86 | $27.24 | $23.29 |
| 2018 | $30.66 | $39.04 | $27.51 | $34.55 | $76.27 |
| 2019 | $30.07 | $24.96 | $30.12 | $35.46 | $29.57 |
| 2020 | $35.34 | $423.70 | $18.88 | $38.22 | $60.34 |
| 2021 | $34.77 | $19,741.00 | $58.52 | $41.53 | $19.10 |
| 2022 | $37.47 | $163.97 | $41.26 | $43.15 | $52.58 |
| 2023 | $38.34 | $97.40 | $47.43 | $45.87 | $100.76 |
| 2024 | $48.90 | $193.66 | $50.12 | $38.40 | $35.08 |
AI valuation
Our deep-learning model estimates Sound Financial Bancorp, Inc.'s (SFBC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $193.66
- Current price
- $41.42
- AI upside
- +367.55%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$45.65
+10.21% upside
Graham-Dodd
$38.40
-7.29% upside
Graham Formula
$35.08
-15.3% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SFBC | Sound Financial Bancorp, … | $41.42 | 108.98M | +368% | +10% | -7% | -15% | 26.80 | 1.20 | 2.00 | 15.73 | — | 1.26 | 57.51% | 9.10% | 7.48% | 4.54% | 4.83% | 0.47% | 0.39 | 0.21 | 0.07 | 0.07 | -0.40 | -3706.00% | 1161.00% | -5567.00% | 2.30% | 0.00 | 2.97% | 1.57% | 42.00% | 9.61% | 20.13 | 39.80 | 1.83 | -0.67 |
| AFBI | Affinity Bancshares, Inc. | $19.90 | 122.74M | +217% | -4% | +22% | -22% | 21.58 | 0.91 | 2.35 | 17.67 | — | 1.06 | 61.50% | 13.97% | 10.88% | 4.34% | 5.16% | 0.64% | 0.47 | 0.37 | 0.06 | 0.06 | 2.25 | -1531.00% | 1068.00% | -1328.00% | 5.42% | 0.01 | 6.04% | 0.00% | 0.00% | 0.00% | 19.54 | 21.42 | 2.73 | -0.57 |
| FGBI | First Guaranty Bancshares… | $8.81 | 139.14M | +779% | -54% | — | +400% | -2.15 | 0.53 | 0.62 | -4.17 | — | 0.54 | -6.18% | -34.99% | -28.59% | -23.28% | -3719.92% | -1.39% | 0.82 | -0.54 | 0.01 | 0.01 | -2.41 | -61481.00% | -1995.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -4.17 | — | 1.46 | -0.45 |
| LSBK | Lake Shore Bancorp, Inc. | $15.48 | 121.14M | +713% | -17% | -17% | -47% | 17.74 | 0.97 | 2.30 | 1.23 | 270.53 | 0.98 | 67.82% | 15.39% | 12.94% | 5.60% | 55.27% | 0.70% | 0.11 | 0.43 | 0.16 | 0.16 | -3.46 | 656.00% | 472.00% | -5686.00% | 2.87% | 0.00 | 28.11% | 1.24% | 21.90% | 6.29% | 1.38 | 3.23 | 0.21 | -0.50 |
| MGYR | Magyar Bancorp, Inc. | $17.52 | 113.49M | +149% | +23% | +28% | +75% | 10.76 | 0.88 | 1.80 | 8.89 | 40.12 | 0.89 | 60.27% | 23.64% | 16.71% | 8.51% | 8.04% | 1.00% | 0.41 | 0.61 | 0.03 | 0.04 | 2.85 | 2683.00% | 1208.00% | 7826.00% | 9.34% | 0.01 | 8.08% | 1.74% | 18.70% | 2.54% | 9.50 | 13.36 | 2.24 | -0.68 |
| PNBK | Patriot National Bancorp,… | $1.25 | 134.66M | +11,398% | -54% | — | — | -0.39 | 3.65 | 0.26 | 8.05 | -0.05 | 3.78 | 26.12% | -26.58% | -65.86% | -163.96% | -76.19% | -3.79% | 7.75 | -0.50 | 0.18 | 0.18 | 7.77 | 85524.00% | -641.00% | -12362.00% | 16.90% | 0.00 | 12.44% | 0.00% | 0.00% | 1691.96% | 7.38 | -45.18 | -1.96 | -1.04 |
| PROV | Provident Financial Holdi… | $16.00 | 102M | +124% | +4% | -4% | -38% | 16.35 | 0.80 | 1.70 | 21.21 | — | 0.80 | 65.94% | 14.75% | 10.40% | 4.84% | 2.07% | 0.50% | 1.66 | 0.42 | 0.06 | 0.06 | 12.94 | -1226.00% | 253.00% | 9910.00% | 7.97% | 0.01 | 2.70% | 3.68% | 60.20% | 34.57% | 29.55 | 32.15 | 4.36 | -0.44 |
| RBKB | Rhinebeck Bancorp, Inc. | $16.00 | 178.33M | +1,014% | -60% | +7% | +167% | 17.10 | 1.26 | 2.27 | 1.70 | — | 1.28 | 68.17% | 16.72% | 13.24% | 7.77% | 53.49% | 0.79% | 0.22 | 0.56 | 5.00 | 5.00 | 0.99 | -21500.00% | 3979.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 24.66% | 1.81 | — | 0.30 | 1.13 |
| RVSB | Riverview Bancorp, Inc. | $5.35 | 110.8M | +484% | +34% | +5% | -26% | 23.69 | 0.73 | 1.59 | 18.64 | 85.28 | 0.87 | 68.97% | 8.52% | 6.70% | 3.11% | 2.99% | 0.32% | 0.66 | 0.28 | 0.04 | 0.04 | 7.96 | 2778.00% | 961.00% | -2219.00% | 4.78% | 0.01 | 3.38% | 2.18% | 51.70% | 19.11% | 28.58 | 32.08 | 2.43 | -0.71 |
| SBFG | SB Financial Group, Inc. | $20.76 | 130.76M | +977% | +29% | +39% | +105% | 9.44 | 0.93 | 1.45 | 7.34 | 34.54 | 1.33 | 70.91% | 23.86% | 15.35% | 10.40% | 27.15% | 0.96% | 0.53 | 0.85 | — | — | 0.16 | 2733.00% | 1187.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 26.57% | 5.83 | — | 1.39 | 0.34 |
| UNB | Union Bankshares, Inc. | $23.25 | 106.54M | +22% | -17% | -87% | +94% | 14.43 | 1.90 | 1.62 | 19.90 | — | 1.95 | 60.84% | 11.71% | 11.24% | 13.25% | 98.59% | 0.58% | 4.15 | 0.31 | 0.16 | 0.16 | 24.37 | -2258.00% | 1586.00% | 5293.00% | 8.77% | 0.01 | 124.68% | 5.10% | 73.60% | 5.10% | 23.38 | 19.26 | 2.74 | -0.56 |
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 offers loans secured by first and second mortgages on one-to four-family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats, and recreational vehicle loans, and loans secured by deposit accounts. It operates eight branch offices, including four branches in Seattle Metropolitan Statistical Area, three branches in Clallam County, and one branch in Jefferson County; and a loan production office in the Madison Park neighborhood of Seattle. The company was founded in 1953 and is headquartered in Seattle, Washington.
- CEO
- Laura Lee Stewart
- Employees
- 108
- Beta
- 0.10
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($45.65 ÷ $41.42) − 1 = +10.21% (DCF, example).