SFBC
Sound Financial Bancorp, Inc.Financial Services·Banks - Regional
$41.73
$107M market cap
Revenue
$30.7M
Free Cash Flow
$3.4M
Rev Growth
+0.0%
FCF Margin
11.0%
P/FCF
31.7x
EV/FCF
-2.9x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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; com
2-Year Price History
$41.72-2.3%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 15.4 | 2.0 | 2.0 | 1.6 | 1.5 | 1.5 | -0.0 | 138.0 | 21.2 | 2.6 | 11.0% | 0.4x | -- |
| Act | 2025-Q4 | 15.3 | 2.6 | 2.6 | 2.3 | 2.0 | 1.9 | -0.1 | 140.8 | 21.5 | 2.6 | 15.8% | 0.5x | -- |
Valuation & Metrics
Market Stats
Price$41.73
Market Cap$107M
Enterprise Value$-10M
P/S Ratio3.5x
P/FCF31.7x
EV/FCF-2.9x
FCF Margin (TTM)11.0%
FCF Yield3.2%
Dividend Yield (TTM)1.9%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$30.7M
Net Income$3.8M
Free Cash Flow$3.4M
Revenue Growth (YoY)+0.0%
EBITDA Margin14.8%
Net Margin12.5%
FCF Margin11.0%
CapEx % of Revenue0.4%
SBC % of Revenue0.2%
ROIC13.4%
WC Change % Rev-1.0%
Interest Coverage0.4x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover9.9
Change (vs Prior)-5.0%
Need at least 2 settlement dates for chart
Employees
Headcount108
Revenue / Employee$284,222
Gross Profit / Employee$179,898
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
37.0%(+0.3% YoY)
38 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
13.5%(+7.7% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.3% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| Stilwell Value LLC | $17.9M | $35.33 | +$0 | +$0 | +0.6% | $96.1M |
| ALLIANCEBERNSTEIN L.P. | $7.8M | $41.43 | +$973K | +$1.1M | -0.3% | $307.70B |
| GRAHAM CAPITAL WEALTH MANAGEMENT, LLC | $4.7M | $43.29 | +$795K | +$4.5M | -0.5% | $113M |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $4.5M | $43.49 | +$4.5M | +$4.5M | — | $4.04T |
| BlackRock, Inc.Passive | $4.4M | $46.63 | +$386K | +$3.3M | -0.2% | $5.69T |
| KENNEDY CAPITAL MANAGEMENT LLC | $2.3M | $45.17 | +$0 | +$1.9M | -1.5% | $4.72B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $1.9M | $44.18 | −$257K | +$823K | +2.3% | $1.61T |
| Pacific Sage Partners, LLC | $1.6M | $42.27 | −$0 | +$1.3M | -0.4% | $635M |
| Oppenheimer & Close, LLC | $1.4M | $35.31 | +$0 | +$0 | +1.1% | $159M |
| STATE STREET CORPPassive | $955K | $44.82 | +$11K | +$717K | -0.2% | $2.89T |
| DIMENSIONAL FUND ADVISORS LPPassive | $858K | $41.90 | +$0 | +$52K | -0.4% | $480.92B |
| NORTHERN TRUST CORPPassive | $752K | $43.58 | +$37K | +$449K | -0.2% | $755.34B |
| Financial Insights, Inc. | $651K | $37.35 | +$0 | +$0 | +0.1% | $309M |
| GOLDMAN SACHS GROUP INC | $613K | $43.49 | +$610K | +$613K | -0.2% | $760.93B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $542K | $43.49 | +$539K | +$542K | — | $1.91T |
| VANGUARD FIDUCIARY TRUST COPassive | $493K | $43.49 | +$490K | +$493K | — | $395.83B |
| Empowered Funds, LLC | $282K | $34.66 | +$0 | −$3K | +0.2% | $15.64B |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $282K | $37.57 | +$0 | −$3K | -2.3% | $4.93B |
| MORGAN STANLEY | $256K | $44.99 | +$39K | +$241K | -0.3% | $1.65T |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $255K | $45.17 | −$25K | +$255K | +0.7% | $645.81B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.31%
avg per quarter
Holders (ex-self)
+0.09%
excl. this stock
Buyers (this Q)
-0.31%
23 buyers · $0.01B in
Sellers (this Q)
-0.00%
12 sellers · $0.00B out
alpha coverage: 90% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+43.1%
how holders react when this stock falls
On quiet Qs
-0.4%
−10% to +10% baseline
On rallies (+10%+)
-23.4%
how they react when this stock rises
Holders' portfolio flow this Q
-4.1%
outflows — trims may be forced
Sellers' portfolio flow this Q
+5.0%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-1.5%
Holder mid (any stock)
-2.8%
Holder rally (any stock)
-2.7%
Biggest decreases this quarter
Arcus Capital Partners, LLCexited−$360KGEODE CAPITAL MANAGEMENT, LLC−$257Kα+2.3BANK OF AMERICA CORP /DE/exited−$75KBARCLAYS PLC−$54Kα-0.1CHARLES SCHWAB INVESTMENT MANAGEMENT INC−$25Kα+0.7RENAISSANCE TECHNOLOGIES LLC−$23Kα+1.2CALIFORNIA STATE TEACHERS RETIREMENT SYSTEMexited−$6KAMALGAMATED BANKexited−$3KJONES FINANCIAL COMPANIES LLLPexited−$2KPacific Sage Partners, LLC−$0α-0.4
New buyers this quarter
Top-5 holders · 72.7%
Stilwell Value LLC--
ALLIANCEBERNSTEIN L.P.--
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC--
VANGUARD CAPITAL MANAGEMENT LLC--
BlackRock, Inc.--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
Stilwell Value LLC410KFJ Capital Management LLC—ALLIANCEBERNSTEIN L.P.180KWASATCH ADVISORS INC—M3F, Inc.—GRAHAM CAPITAL WEALTH MANAGEMENT, LLC109KBOOTHBAY FUND MANAGEMENT, LLC—KENNEDY CAPITAL MANAGEMENT LLC52KOppenheimer & Close, LLC33KBHZ CAPITAL MANAGEMENT, LP—
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$40K
1 txn · 1 insider · 900 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-03-31 | SELL | Stewart Laura Lee | director, officer: President and CEO | 900 | $44.13 | $40K | $437K |
Order Flow (FINRA, ~3w lag)
14.9%retail-0.5pp
9.8%dark-0.6pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
SOUND FINANCIAL BANCORP, INC.: Forensic Analysis Inconclusive Due to Limited Metadata
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10