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Sound Financial Bancorp, Inc (SFBC) Fair Value & Analysis

Financial Services · US · Market cap $102M

Price$44.08
Fair Value$39.12
Upside-11.3%
Quality95/100
Evidence: High Range $29.34 – $48.90

Fair value as of: Jun 26, 2026

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Analysis

Sound Financial Bancorp, Inc (SFBC) currently trades at $44.08, while our model-based Fair Value estimate is $39.12 — implying the stock looks roughly 11.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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…

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Frequently asked questions

Is Sound Financial Bancorp, Inc (SFBC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $39.12 versus a price of $44.08 — about −11% (overvalued). Model-based estimate, not financial advice.
What is the fair value of SFBC?
Our 21-model fair value for Sound Financial Bancorp, Inc is $39.12 (as of Jun 26, 2026), built from audited fundamentals. The current price is $44.08.
What is the quality score of SFBC?
Sound Financial Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.