Sound Financial Bancorp IncSFBC
Price$44.65Intrinsic value$40.888% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $40.88median of 2 methodsbased on filings through 30 Jun 2026
Market Price $44.65Price as of 1 Oct 2026
Margin of Safety -8.4%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.0% (near-term consensus, capped) · years 2–5: -1.0%/yr (balance of the path).0.2% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 6-0.2%Yr 70.6%Yr 81.4%Yr 92.2%Yr 103.0%
-1.0% → 3.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 113.0%Yr 123.0%Yr 133.0%Yr 143.0%Yr 153.0%Yr 163.0%Yr 173.0%Yr 183.0%Yr 193.0%Yr 203.0%
3.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)0.2%
Discount rate (cost of equity) 6.4%
Volatility vs market (adjusted beta)0.33

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

Search any company to compare valuation, profitability, returns, growth, and financial strength side by side.

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Best in rowHigher is betterLower is better—Data not available
TargetSound Financial Bancorp IncSFBCFinancials
Valuation
P/E14.3×
P/S3.2×
P/B1.1×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin22.3%
Net margin18.5%
FCF margin18.9%
Returns
ROE7.1%
ROA0.8%
ROIC1,619.0%
Growth
Revenue growth (YoY)8.3%
5-yr fwd EPS growth—
Financial strength
Debt / Equity0.07×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield3.2%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.