Sound Financial Bancorp, Inc.
SFBCFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 26, 2026
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Daily timeframeHeadquartered within the financial services sector, Sound Financial Bancorp, Inc. focuses on Banks - Regional services and products. 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. The company carries a $115.0M market cap, placing it firmly in the micro-cap category. It accepts various deposits products comprising savings, money market deposit, NOW, and demand accounts, as well as certificates of deposit.
Market Cap
$115.0M
Beta
0.02
P/E (TTM)
14.36
P/E (Fwd)
—
EPS (TTM)
$3.12
EPS (Fwd)
—
ROE
7.3%
ROA
0.8%
Cash
$120.1M
Total Debt
$10.9M
Free CF
—
52W Change
0.3%
Annual Financials
Cash vs Debt
Where SFBC stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, SFBC finished 0.34% below its 150-day moving average ($44.28) and 0.48% above its 200-day moving average ($43.92). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is SFBC overbought or oversold?
At the October 20, 2026 close, SFBC's RSI(14) was 39.5, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $120.1M in cash comfortably exceeding the $10.9M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. ROE of 7.3% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.8% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $39.9M (2022) to $38.9M (2025).
SFBC's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. With cash comfortably exceeding debt, SFBC has financial flexibility that may help navigate uncertain periods. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing SFBC.