Stock fact sheet · data as of
Sound Financial Bancorp, Inc. (SFBC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is SFBC undervalued?
At 43.21 (close of 16 Oct 2026), SFBC trades 10% over the GLS average fair value of 39.26. 5 of the 9 models land above the price and 4 below. A negative margin of safety costs Value points in the Wheel Score (8 of 25 here) - the models see no discount, which does not make the business a poor one, only the price a full one.
The 9 models disagree widely: GLS Growth gives 0.4172 while 10 Cap gives 71.47. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files SFBC under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for SFBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 68.98 | +60% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 55.67 | +29% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 50.59 | +17% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 12.54 | -71% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.4172 | -99% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 71.47 | +65% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 46.78 | +8% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 12.07 | -72% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 34.84 | -19% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -326.39 | -855% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - SFBC passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 5.2 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 5.5%, ROE 6.5%, ROA 0.7% - with debt at 0.20 times equity and a free-cash-flow yield of 6.7%.
The dividend yield is 1.90% at a payout ratio of 26%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Debit/ATM Interchange Fees 61%, Transaction based and Overdraft Service… 18%, Account Maintenance Fees 16% (fiscal year FY2025).
Institutional ownership scores 6/10, insider activity 2/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 5.5% |
|---|---|---|---|
| GLS Moat | 5.2 / 10 | ROE | 6.5% |
| Debt / equity | 0.20 | ROA | 0.7% |
| Free-cash-flow yield | 6.7% | Payout ratio | 26% |
| Institutions | 6 / 10 | Insiders · Congress | 2 · 5 / 10 |
Wheel Score 35: No options
SFBC has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (35 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 4k shares a day on a market cap of $111M, with a beta of 0.00 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 8 / 25 | -10% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 8 / 15 | moat 5.2/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 4k shares/day, $111M cap, beta 0.00 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Sound Financial Bancorp, Inc. reports earnings on 27 Oct 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Sound Financial Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| OFED Oconee Federal Financial Corp. | 19.00 | 12.59 | -51% | 26No options | $111M |
| TYBT Trinity Bank, N.A. | 101.00 | 171.87 | +41% | 39No options | $110M |
| PTBS Potomac Bancshares, Inc. | 26.44 | 38.77 | +32% | 39No options | $110M |
| BCTF Bancorp 34, Inc. | 16.05 | 16.82 | +5% | 33No options | $110M |
| UNIB University Bancorp, Inc. | 21.14 | 60.97 | +65% | 39No options | $109M |
| PBNK Pinnacle Bank | 18.30 | 32.56 | +44% | 39No options | $109M |
| OPHC OptimumBank Holdings, Inc. | 8.95 | 35.83 | +75% | 39No options | $113M |
| UBOH United Bancshares, Inc. | 40.10 | 61.44 | +35% | 39No options | $109M |
| PROV Provident Financial Holdings, Inc. | 18.15 | 15.88 | -14% | 39No options | $113M |
| UNB Union Bankshares, Inc. | 22.89 | 44.70 | +49% | 39No options | $113M |
| PFBX Peoples Financial Corporation | 23.47 | 12.33 | -90% | 26No options | $108M |
| OXBC Oxford Bank Corporation | 46.10 | 95.47 | +52% | 39No options | $114M |
⚖ Compare SFBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about SFBC
Is SFBC undervalued right now?
No: at 43.21 the stock trades 10% above the GLS average fair value of 39.26 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of SFBC and what does it mean?
SFBC has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for SFBC?
39.26 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Sound Financial Bancorp, Inc. report earnings next?
The next earnings report is due on 27 Oct 2026, 11 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does SFBC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on SFBC, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.