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Sound Financial Bancorp, Inc. SFBC | NASDAQ

$44.65 -$1.76 | -3.79%

SIGNAL:

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|2026-09-25 |F&G 40 |RSI 40.2

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Company Overview:

Market Cap: $0

Trailing PE: 14.3x

FWD PE: —

Payout Ratio (TTM): 25.5%

52-Week Range: $40.68 - $49.21

10 Year SFBC Performance Metrics:

Total Return (with DRIP): 119.4% (8.17% CAGR)

Total Return (no DRIP): 111.2% (7.76% CAGR)

Share Price: 82.4% (6.19% CAGR)

Yield on Cost (with DRIP): 2.06%

Total Invested: $10,000

Total Value (with DRIP): $21,938

Total Return $ (with DRIP): $11,938

Dividend Increase: 110.0% (7.91% CAGR)

Dividend Yield (FWD): 0.00% ($0.00)

SFBC 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

SFBC Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

SFBC Price CAGR:1Y: -3.06%2Y: -8.64%5Y: -0.13%10Y: 6.19%

SFBC Dividend Charts

SFBC - Dividends

SFBC Dividend CAGR:1Y: 10.53%2Y: 5.13%5Y: 4.32%10Y: 10.84%

SFBC - Dividend Payout Ratio

SFBC Dividend Payout Ratio CAGR:1Y: -10.14%2Y: -40.94%5Y: 1.44%10Y: 3.70%

SFBC - Dividend to Free Cash Flow Ratio

SFBC Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 115.36%10Y: 20.66%

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SFBC Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

SFBC - Revenue

SFBC Revenue CAGR:1Y: -0.79%2Y: 2.22%5Y: 9.44%10Y: 8.03%

SFBC - Earnings Per Share (EPS)

SFBC EPS CAGR:1Y: 24.05%2Y: 77.80%5Y: 2.89%10Y: 7.18%

SFBC - Net Income

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SFBC Net Income CAGR:1Y: 22.71%2Y: 77.97%5Y: 2.27%10Y: 7.22%

SFBC - EBITDA

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SFBC EBITDA CAGR:1Y: 17.07%2Y: 56.97%5Y: 1.27%10Y: 5.05%

SFBC - Free Cash Flow

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SFBC Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: -51.83%10Y: -7.85%

SFBC - Free Cash Flow / Share

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SFBC Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: -51.76%10Y: -8.15%

SFBC - Operating Income

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SFBC Operating Income CAGR:1Y: 22.64%2Y: 78.10%5Y: 1.97%10Y: 5.14%

SFBC - Gross Profit

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SFBC Gross Profit CAGR:1Y: -0.20%2Y: 8.03%5Y: 2.92%10Y: 4.52%

SFBC - Shares Outstanding

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SFBC Shares Outstanding CAGR:1Y: -0.15%2Y: 0.30%5Y: -0.41%10Y: 0.06%

SFBC - Share Buybacks

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SFBC Share Buybacks CAGR:1Y: 0.00%2Y: 202.81%5Y: 78.33%10Y: 0.00%

SFBC - Stock-Based Comp

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SFBC Stock-Based Comp CAGR:1Y: -34.67%2Y: -29.29%5Y: -5.49%10Y: -9.01%

SFBC - Expenses

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SFBC Expenses CAGR:1Y: 141.67%2Y: -81.10%5Y: -6.46%10Y: -21.79%

SFBC - Revenue vs Net Income

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SFBC - EPS vs FCF / Share

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SFBC - EPS vs PE Ratio

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SFBC - FCF vs FCF / Share

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SFBC - FCF vs Stock Based Comp

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SFBC - Cash & Debt

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SFBC - Revenue by Segment

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SFBC Revenue CAGR:1Y: -0.79%2Y: 2.22%5Y: 9.44%10Y: 8.03%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

SFBC - REVENUE: Actual + Estimates

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SFBC Actual Revenue CAGR:1Y: -0.79%2Y: 2.22%5Y: 9.44%10Y: 8.03%

SFBC - EPS: Actual + Estimates

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SFBC Actual EPS CAGR:1Y: 24.05%2Y: 77.80%5Y: 2.89%10Y: 7.18%

SFBC - NET INCOME: Actual + Estimates

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SFBC Actual Net Income CAGR:1Y: 22.71%2Y: 77.97%5Y: 2.27%10Y: 7.22%

SFBC - EBITDA: Actual + Estimates

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SFBC Actual EBITDA CAGR:1Y: 17.07%2Y: 56.97%5Y: 1.27%10Y: 5.05%

Ratios, Profit Margins & Return on Capital:

SFBC - Net Profit Margin

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SFBC Net Profit Margin CAGR:1Y: 23.75%2Y: 74.20%5Y: -6.55%10Y: -0.75%

SFBC - Gross Profit Margin

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SFBC Gross Profit Margin CAGR:1Y: 0.60%2Y: 5.69%5Y: -5.96%10Y: -3.24%

SFBC - Price to Earnings

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SFBC Price to Earnings CAGR:1Y: -23.50%2Y: -43.70%5Y: -3.61%10Y: -0.65%

SFBC - Price To Sales Ratio

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SFBC Price To Sales Ratio CAGR:1Y: -5.32%2Y: -1.66%5Y: -9.94%10Y: -1.51%

SFBC - Return on Capital Employed

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SFBC Return on Capital Employed CAGR:1Y: -83.48%2Y: -32.57%5Y: -34.27%10Y: -17.17%

SFBC - Return on Invested Capital

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SFBC Return on Invested Capital CAGR:1Y: -81.79%2Y: -29.48%5Y: -34.12%10Y: -15.56%

SFBC Dividends Info:

Annual Dividend: $0.84

Forward Yield: 1.88%

Ex-Dividend Date: 2026-08-07

Lifetime Dividends / Share: $8.03

SFBC Dividend History: Dates, Payments & Yield list

Below is a schedule of all SFBC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/07/2026	08/21/2026	$0.210	1.81%	1.78%	$47.31
05/11/2026	05/26/2026	$0.210	2%	2%	$42.05
02/09/2026	02/23/2026	$0.210	1.91%	1.97%	$42.74
11/07/2025	11/21/2025	$0.190	1.69%	1.69%	$44.88
08/11/2025	08/25/2025	$0.190	1.64%	1.57%	$48.54
05/09/2025	05/23/2025	$0.190	1.51%	1.51%	$50.25
02/12/2025	02/26/2025	$0.190	1.48%	1.52%	$50.00
11/12/2024	11/26/2024	$0.190	1.39%	1.42%	$53.50
08/09/2024	08/23/2024	$0.190	1.69%	1.6%	$47.48
05/07/2024	05/22/2024	$0.190	1.94%	1.93%	$39.36
02/06/2024	02/21/2024	$0.190	1.95%	1.91%	$39.75
11/07/2023	11/22/2023	$0.190	2.1%	2.11%	$36.00
08/08/2023	08/23/2023	$0.190	2.05%	2.03%	$37.40
05/09/2023	05/24/2023	$0.190	2.14%	2.03%	$37.40
02/08/2023	02/23/2023	$0.170	1.7%	1.69%	$40.15
11/08/2022	11/23/2022	$0.170	1.71%	1.67%	$40.80
08/08/2022	08/23/2022	$0.170	1.8%	1.68%	$40.55
05/09/2022	05/24/2022	$0.170	1.8%	1.86%	$36.56
02/09/2022	02/24/2022	$0.270	2.52%	2.75%	$39.29
11/09/2021	11/24/2021	$0.170	1.6%	1.56%	$43.55
08/09/2021	08/24/2021	$0.170	1.51%	1.57%	$43.38
05/07/2021	05/24/2021	$0.170	1.71%	1.58%	$42.95
02/09/2021	02/24/2021	$0.270	3.18%	3.01%	$35.83
11/09/2020	11/24/2020	$0.150	2.03%	1.95%	$30.75
08/04/2020	08/19/2020	$0.150	2.31%	2.26%	$26.56
05/07/2020	05/22/2020	$0.150	2.35%	2.4%	$24.95
02/07/2020	02/24/2020	$0.350	3.83%	3.82%	$36.68
11/06/2019	11/21/2019	$0.140	1.61%	1.57%	$35.75
08/07/2019	08/22/2019	$0.140	1.62%	1.6%	$35.05
05/08/2019	05/23/2019	$0.140	1.64%	1.53%	$36.49
02/07/2019	02/22/2019	$0.140	1.67%	1.63%	$34.40
11/06/2018	11/21/2018	$0.140	1.6%	1.59%	$35.25
08/09/2018	08/24/2018	$0.140	1.38%	1.4%	$39.90
05/09/2018	05/25/2018	$0.140	1.44%	1.46%	$38.25
02/09/2018	02/26/2018	$0.120	1.38%	1.37%	$35.05
11/09/2017	11/24/2017	$0.100	1.19%	1.2%	$33.30
08/09/2017	08/25/2017	$0.300	3.73%	3.8%	$31.60
05/10/2017	05/26/2017	$0.100	1.26%	1.35%	$29.61
02/09/2017	02/27/2017	$0.100	1.36%	1.34%	$29.75
11/08/2016	11/25/2016	$0.075	1.21%	1.15%	$26.06
08/10/2016	08/26/2016	$0.075	1.24%	1.22%	$24.50
05/06/2016	05/26/2016	$0.075	1.26%	1.27%	$23.63
02/08/2016	02/26/2016	$0.075	1.36%	1.35%	$22.23
11/06/2015	11/24/2015	$0.060	1.14%	1.07%	$22.40
08/10/2015	08/26/2015	$0.060	1.19%	1.2%	$20.00
05/08/2015	05/26/2015	$0.060	1.2%	1.2%	$20.00
02/10/2015	02/26/2015	$0.050	1.06%	1.06%	$18.95
11/07/2014	11/26/2014	$0.050	1.12%	1.1%	$18.20
08/11/2014	08/27/2014	$0.050	1.11%	1.07%	$18.74
05/09/2014	05/27/2014	$0.050	1.16%	1.18%	$17.00
02/11/2014	02/27/2014	$0.050	1.18%	1.17%	$17.15
11/08/2013	11/27/2013	$0.050	1.21%	1.19%	$16.85
08/09/2013	08/27/2013	$0.050	1.37%	1.34%	$14.95
05/09/2013	05/28/2013	$0.050	1.55%	1.48%	$13.50
02/17/2010	02/25/2010	$0.020	2.01%	1.95%	$4.11
12/02/2009	12/15/2009	$0.020	1.57%	1.76%	$4.55
05/21/2009	06/10/2009	$0.040	2.29%	2.37%	$6.75
02/06/2009	02/25/2009	$0.040	2.27%	2.27%	$7.05
11/26/2008	12/15/2008	$0.040	2.24%	2.24%	$7.15
09/11/2008	09/30/2008	$0.040	1.85%	2.18%	$7.35

Projected Future Returns & Dividends for SFBC

Based on past 10-year performance, here are SFBC growth metrics:

Share price CAGR of +6.19%
Dividend CAGR of +10.86%

Using SFBC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	SFBC (DRIP)	SFBC - No DRIP
Current Price	$44.65	$44.65
Start Shares	223.96	223.96
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	281.71	223.96
Dividends Payment	$0.59	$0.59
Annual Dividends	$664	$528
Yield on cost	6.64%	5.28%
Share Price	$81.44	$81.44
Total Dividends	$3,541	$3,125
Final Value	$22,942	$21,364

Estimated Future Value + Dividends - SFBC

NOTE: Above numbers are our estimate based on SFBC's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Sound Financial Bancorp, Inc. (SFBC) had its IPO on 2008-01-09, and is traded on NASDAQ stock exchange.

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 provides 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, and insurance products and services. Sound Financial Bancorp, Inc. was founded in 1953 and is headquartered in Seattle, Washington.

SFBC website: https://www.soundcb.com

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DCF Model — SFBC

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $44.65

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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