SFBC · Sound Financial Bancorp, Inc.
Price & Indicators
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Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| Allowance for credit losses on loans to total loans outstanding | 0.94% | Q2 2026 | — |
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| Allowance for credit losses on loans to total nonperforming loans | 104.53% | Q2 2026 | — |
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| Annualized net interest margin | 3.73% | June 30, 2026 | — |
| Annualized return on average assets | 0.94% | June 30, 2026 | — |
| Annualized return on average equity | 9.03% | June 30, 2026 | — |
| Average cost of deposits | 2.15% | Q2 2026 | — |
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| Average cost of FHLB advances | 4.21% | Q2 2026 | — |
| Average cost of subordinated debt | 9.7% | Q2 2026 | — |
| Loans-to-deposits ratio | 96% | Q2 2026 | — |
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| Net interest margin ("NIM"), annualized | 3.73% | Q2 2026 | — |
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| Net interest margin, annualized | 3.73% | Q2 2026 | — |
| Net loan charge-offs | 30K | Q2 2026 | — |
| Noninterest-bearing deposits to total deposits | 13.89% | June 30, 2026 | — |
| Nonperforming loans to total loans | 0.9% | June 30, 2026 | — |
| NPAs to total assets | 0.76% | Q2 2026 | — |
| Total loans to total deposits | 96.04% | June 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SFBC
this stock
Sound Financial Bancorp, Inc.
|
$121.49M | +8.4% | — | 15.2 | 0.3% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SFBC | +2.3% | +5.0% | +10.9% | +0.2% | +8.4% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | +3.7% | +1.4% | -0.7% | -2.3% | -3.9% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.