Sound Financial Bancorp Inc. (SFBC) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 51% of 52W Range • RSI-14 at 50.9 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)
Even with a 67/100 (C+) score, SFBC faces multiple-compression risk if 16.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($45.92) or 200D SMA ($44.25) invalidates the momentum regime and cuts Target Base ($46.82) toward Bear Floor ($36.52).
Sound Financial Bancorp Inc. (SFBC) slipped 0.00% to $45.00, trading at 51% of its 52-week range ($40.68 – $49.21). Solid steady margins (7% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
Sound Financial Bancorp has just posted its Q3 2026 report and the market’s verdict so far is silence. The stock is flat at about US$45, even after a quarter where basic earnings per share came in near US$0.91 and net in
SEATTLE, Oct. 27, 2026 (GLOBE NEWSWIRE) -- Sound Financial Bancorp, Inc. (the "Company") (Nasdaq: SFBC), the holding company for Sound Community Bank (the "Bank"), today reported net income of $2.3 million for the quarte
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on SFBC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for SFBC. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Sound Financial Bancorp Inc. (SFBC) ranks #264 by composite RQD confidence (67/100, grade C+) and #947 by equity capitalization ($115.6M). Within this direct 5-issuer industry benchmark cohort, MGYR leads on earnings valuation at 13.4x trailing P/E, while MGYR leads on capital efficiency and profitability with 8.0% ROIC and — gross margin. SFBC currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| SFBC
ACTIVE
Sound Financial Bancorp Inc. | C+ | 67/100 | 16.1x | — | 6.5% | 0.00% | $115.6M | Benchmark Subject |
| PROV Provident Financial Holdings Inc. | C- | 60/100 | 18.0x | — | 4.9% | 0.00% | $112.8M | /prov-vs-sfbc → |
| RVSB Riverview Bancorp Inc | D | 49/100 | — | — | -2.6% | -1.82% | $119.4M | /rvsb-vs-sfbc → |
| BYFC Broadway Financial Corporation (Class A) | E | 31/100 | — | — | -9.4% | +0.26% | $106.5M | /byfc-vs-sfbc → |
| MGYR Magyar Bancorp Inc. | C | 63/100 | 13.4x | — | 8.0% | +0.45% | $130.7M | /mgyr-vs-sfbc → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Sound Financial Bancorp Inc. (SFBC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $7.2M, operating cash flow of $7.2M, and free cash flow of $7.0M (+144.8% YoY). On the balance sheet, SFBC closed FY2025 with $1.09B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $7.2M | $7.2M | $7.0M | $1.09B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $4.6M | $2.9M | $2.9M | $993.6M | — |
| FY2023 (FY) | 2023-12-31 | $0 | $7.4M | $6.9M | $6.9M | — | — |
As of 2026-11-01, Sound Financial Bancorp Inc. (NASDAQ: SFBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $45.00 (0.00% 1D, market cap $115.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SFBC ranks #264 in composite RQD confidence.
Within the Financials sector (Savings Institutions), SFBC carries a Roarable C+ (67/100 RQD), trailing P/E of 16.1x, gross margin of —, and ROIC of 6.5%. By comparison, PROV (Provident Financial Holdings Inc.) holds a C- grade (60/100 RQD, P/E 18.0x, ROIC 4.9%, cap $112.8M) and RVSB (Riverview Bancorp Inc) posts a D grade (49/100 RQD, P/E N/A, ROIC -2.6%, cap $119.4M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).
Per SFBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001541119), Sound Financial Bancorp Inc. generated $0 in revenue, $7.2M in net income, and $7.0M in free cash flow against $1.09B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
SFBC last traded at $45.00 (0.00% on volume of 824 shares), positioning the stock -2.00% below its 50-day simple moving average ($45.92) and +1.69% above its 200-day simple moving average ($44.25). Across its 52-week range of $40.68 to $49.21, SFBC sits at the 50.6% percentile with a 14-day RSI of 50.9 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($42.98 to $47.02).
Why SFBC Stock Traded Steady Today — RQD Quant Desk Flash. Solid steady margins (7% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.