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Upturn AI SWOT - About
SFBC 
Sound Financial Bancorp Inc (SFBC)
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Upturn Advisory Summary
03/27/2025: SFBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 22.66% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 120.95M USD | Price to earnings Ratio 28.14 | 1Y Target Price - |
Price to earnings Ratio 28.14 | 1Y Target Price - | ||
Volume (30-day avg) 1767 | Beta 0.72 | 52 Weeks Range 38.51 - 55.64 | Updated Date 04/1/2025 |
52 Weeks Range 38.51 - 55.64 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.49% | Basic EPS (TTM) 1.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.97% | Operating Margin (TTM) 26.46% |
Management Effectiveness
Return on Assets (TTM) 0.47% | Return on Equity (TTM) 4.54% |
Valuation
Trailing PE 28.14 | Forward PE - | Enterprise Value 126234104 | Price to Sales(TTM) 3.38 |
Enterprise Value 126234104 | Price to Sales(TTM) 3.38 | ||
Enterprise Value to Revenue 4.55 | Enterprise Value to EBITDA - | Shares Outstanding 2388040 | Shares Floating 1710635 |
Shares Outstanding 2388040 | Shares Floating 1710635 | ||
Percent Insiders 16.69 | Percent Institutions 36.5 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Sound Financial Bancorp Inc
Company Overview
History and Background
Sound Financial Bancorp, Inc. was founded in 1905 and is headquartered in Tacoma, Washington. The company operates as the holding company for Sound Community Bank, providing banking services to individuals, families, and businesses in the Puget Sound region.
Core Business Areas
- Retail Banking: Offers checking, savings, money market, and certificate of deposit accounts to individuals and families.
- Commercial Banking: Provides commercial loans, real estate loans, lines of credit, and other banking services to businesses.
- Mortgage Lending: Originates and services residential mortgage loans.
- Wealth Management: Provides investment and wealth management services.
Leadership and Structure
The company is led by CEO Laurie Stewart. The organizational structure includes various departments such as lending, operations, and finance, overseen by senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Competitors include larger national banks and other regional community banks. Limited market share data available specifically for Sound Financial Bancorp.
- Residential Mortgage Loans: Offers mortgage financing for homebuyers. Competitors include national mortgage lenders and other community banks. Limited market share data available specifically for Sound Financial Bancorp.
- Small Business Loans: Offers loans to small businesses. Competitors include national and regional banks, online lenders, and credit unions. Limited market share data available specifically for Sound Financial Bancorp.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and increased competition from fintech companies.
Positioning
Sound Financial Bancorp is positioned as a community bank focused on providing personalized service and local expertise. Its competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for community banking in the Puget Sound region is estimated to be in the billions of dollars. Sound Financial Bancorp holds a small, but established position within this TAM.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Technology limitations
Opportunities
- Expansion into new markets within the Puget Sound region
- Increased adoption of digital banking technologies
- Growing demand for commercial real estate financing
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WAFD
- Umpqua Holdings Corp (UMPQ)
- Columbia Banking System Inc (COLB)
Competitive Landscape
Sound Financial Bancorp competes with larger regional and national banks, as well as credit unions and fintech companies. Its strengths lie in its local focus and personalized service, but it faces challenges in terms of scale and resources compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Data needed here
Future Projections: Data needed here
Recent Initiatives: Data needed here
Summary
Sound Financial Bancorp is a community bank with a strong focus on the Puget Sound region. Its local market knowledge and customer relationships are key strengths. It faces competition from larger banks and fintech companies, and its growth potential may be limited by its size and geographic reach. Sound Financial should focus on expanding into new markets within the Puget Sound region and investing in digital banking technologies to remain competitive.
Similar Companies
COLB
Columbia Banking System Inc
COLB
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TCBI
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TCBI
Texas Capital Bancshares Inc
WAFD
Washington Federal Inc
WAFD
Washington Federal Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance may change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sound Financial Bancorp Inc
Exchange NASDAQ | Headquaters Seattle, WA, United States | ||
IPO Launch date 2008-01-09 | Interim Chief Credit Officer, President, CEO & Director Ms. Laura Lee Stewart | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 108 | Website https://www.soundcb.com |
Full time employees 108 | Website https://www.soundcb.com | ||
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. The company was founded in 1953 and is headquartered in Seattle, Washington.
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