Sound Financial Bancorp (SFBC)


Market Price (11/6/2026): $45.07 | Market Cap: $107.4 MilSector: Financials | Industry: Regional Banks

Sound Financial Bancorp (SFBC)


Market Price (11/6/2026): $45.07
Market Cap: $107.4 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.5%, FCF Yield is 6.4%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -97%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 19%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 18%

Low stock price volatility
Vol 12M is 26%

Weak multi-year price returns
2Y Excs Rtn is -47%, 3Y Excs Rtn is -54%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.9%

Key risks
SFBC key risks include [1] the sustainability of its recent sharp earnings turnaround following years of average declines and [2] a significant quarterly increase in nonperforming loans.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.5%, FCF Yield is 6.4%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -97%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 19%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 18%
3 Low stock price volatility
Vol 12M is 26%
4 Weak multi-year price returns
2Y Excs Rtn is -47%, 3Y Excs Rtn is -54%
5 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.9%
6 Key risks
SFBC key risks include [1] the sustainability of its recent sharp earnings turnaround following years of average declines and [2] a significant quarterly increase in nonperforming loans.

SFBC in ETFs

Weight = SFBC's share of each fund

VTI0.00%
DFAC0.00%
DFAS0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/1/2026

Sound Financial Bancorp (SFBC) stock has lost about 5% since 7/31/2026 because of the following key factors:

1. Sequential decline in fiscal Q3 2026 net income and diluted earnings per share (EPS). Sound Financial Bancorp reported net income of $2.3 million for fiscal Q3 2026, a decrease from $2.5 million in the prior fiscal quarter. Diluted EPS also fell to $0.90 in fiscal Q3 2026, down from $0.98 in fiscal Q2 2026.

2. Significant surge in nonperforming loans in fiscal Q3 2026. The company experienced a notable increase in credit quality concerns, with nonperforming loans rising to $8.5 million in fiscal Q3 2026. This represents a 5.5% increase from the prior quarter and a substantial 212.7% increase compared to fiscal Q3 2025.

Show more
Updated on 11/1/2026

Sound Financial Bancorp (SFBC) stock has lost about 5% since 7/31/2026 because of the following key factors:

1. Sequential decline in fiscal Q3 2026 net income and diluted earnings per share (EPS). Sound Financial Bancorp reported net income of $2.3 million for fiscal Q3 2026, a decrease from $2.5 million in the prior fiscal quarter. Diluted EPS also fell to $0.90 in fiscal Q3 2026, down from $0.98 in fiscal Q2 2026.

2. Significant surge in nonperforming loans in fiscal Q3 2026. The company experienced a notable increase in credit quality concerns, with nonperforming loans rising to $8.5 million in fiscal Q3 2026. This represents a 5.5% increase from the prior quarter and a substantial 212.7% increase compared to fiscal Q3 2025.

3. Contraction in total assets and loans held-for-portfolio during fiscal Q3 2026. Sound Financial Bancorp's total assets decreased by $23.1 million to $1.04 billion from $1.07 billion in the previous fiscal quarter. Loans held-for-portfolio also declined by 1.6% to $878 million at the end of fiscal Q3 2026, reflecting reduced lending activity and a modest sequential balance-sheet pullback.

4. Broader macroeconomic headwinds impacting regional banks. Economic uncertainty and rising interest rates adversely affected loan demand for the company. The general sentiment for regional banks during this period included concerns about "higher for longer rates" structurally impacting commercial real estate economics and potentially pressuring book values.

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Stock Movement Drivers

Fundamental Drivers

The -4.6% change in SFBC stock from 7/31/2026 to 11/5/2026 was primarily driven by a -10.1% change in the company's P/E Multiple.
(LTM values as of)731202611052026Change
Stock Price ($)47.0244.85-4.6%
Change Contribution By: 
Total Revenues ($ Mil)40401.6%
Net Income Margin (%)19.1%19.9%4.5%
P/E Multiple15.914.3-10.1%
Shares Outstanding (Mil)33-0.1%
Cumulative Contribution-4.6%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
SFBC-4.6% 
Market (SPY)-1.9%-0.2%
Sector (XLF)1.0%-6.4%

Fundamental Drivers

The 10.0% change in SFBC stock from 4/30/2026 to 11/5/2026 was primarily driven by a 8.3% change in the company's Net Income Margin (%).
(LTM values as of)430202611052026Change
Stock Price ($)40.7644.8510.0%
Change Contribution By: 
Total Revenues ($ Mil)39403.7%
Net Income Margin (%)18.4%19.9%8.3%
P/E Multiple14.614.3-1.7%
Shares Outstanding (Mil)33-0.3%
Cumulative Contribution10.0%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
SFBC10.0% 
Market (SPY)2.3%2.8%
Sector (XLF)10.7%3.8%

Fundamental Drivers

The 2.4% change in SFBC stock from 10/31/2025 to 11/5/2026 was primarily driven by a 20.5% change in the company's Net Income Margin (%).
(LTM values as of)1031202511052026Change
Stock Price ($)43.8244.852.4%
Change Contribution By: 
Total Revenues ($ Mil)38405.9%
Net Income Margin (%)16.5%19.9%20.5%
P/E Multiple17.814.3-19.6%
Shares Outstanding (Mil)33-0.3%
Cumulative Contribution2.4%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
SFBC2.4% 
Market (SPY)8.4%3.1%
Sector (XLF)11.1%12.1%

Fundamental Drivers

The 29.6% change in SFBC stock from 10/31/2023 to 11/5/2026 was primarily driven by a 69.1% change in the company's P/E Multiple.
(LTM values as of)1031202311052026Change
Stock Price ($)34.6144.8529.6%
Change Contribution By: 
Total Revenues ($ Mil)4240-4.8%
Net Income Margin (%)24.9%19.9%-19.9%
P/E Multiple8.514.369.1%
Shares Outstanding (Mil)330.4%
Cumulative Contribution29.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
SFBC29.6% 
Market (SPY)81.3%11.3%
Sector (XLF)85.5%17.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
SFBC Return41%-9%1%37%-16%4%57%
Peers Return16%12%-7%14%6%20%76%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
SFBC Win Rate58%17%50%67%33%55% 
Peers Win Rate58%47%43%53%48%62% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
SFBC Max Drawdown-14%-18%-18%-11%-20%-13% 
Peers Max Drawdown-21%-19%-39%-22%-19%-13% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: COLB, BANR, HFWA, FSBW, TSBK.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventSFBCS&P 500
2023 SVB Regional Banking Crisis
  % Loss-17.1%-6.7%
  % Gain to Breakeven20.6%7.1%
  Time to Breakeven183 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-17.8%-24.5%
  % Gain to Breakeven21.7%32.4%
  Time to Breakeven64 days427 days
2020 COVID-19 Crash
  % Loss-54.0%-33.7%
  % Gain to Breakeven117.6%50.9%
  Time to Breakeven332 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-17.9%-19.2%
  % Gain to Breakeven21.8%23.8%
  Time to Breakeven798 days105 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-28.6%-15.4%
  % Gain to Breakeven40.0%18.2%
  Time to Breakeven260 days125 days
2008-2009 Global Financial Crisis
  % Loss-33.1%-53.4%
  % Gain to Breakeven49.5%114.4%
  Time to Breakeven1238 days1085 days

Compare to COLB, BANR, HFWA, FSBW, TSBK

In The Past

Sound Financial Bancorp's stock fell -3.8% during the 2025 US Tariff Shock. Such a loss loss requires a 4.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventSFBCS&P 500
2020 COVID-19 Crash
  % Loss-54.0%-33.7%
  % Gain to Breakeven117.6%50.9%
  Time to Breakeven332 days140 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-28.6%-15.4%
  % Gain to Breakeven40.0%18.2%
  Time to Breakeven260 days125 days
2008-2009 Global Financial Crisis
  % Loss-33.1%-53.4%
  % Gain to Breakeven49.5%114.4%
  Time to Breakeven1238 days1085 days

Compare to COLB, BANR, HFWA, FSBW, TSBK

In The Past

Sound Financial Bancorp's stock fell -3.8% during the 2025 US Tariff Shock. Such a loss loss requires a 4.0% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Sound Financial Bancorp (SFBC)

Sound Financial Bancorp, Inc. (SFBC) is the bank holding company for Sound Community Bank, providing traditional banking and financial services to consumers and businesses. The company primarily operates through its branch network and a loan production office, focusing on specific regions within Washington State.

Sound Community Bank offers a comprehensive suite of deposit products, including savings, money market, checking accounts, and certificates of deposit. For lending, the bank provides a wide array of options for both consumers and businesses. This includes residential mortgages, home equity loans, and various commercial loans covering real estate, construction, and business financing for equipment or working capital. It also offers consumer loans for items like vehicles, boats, and recreational vehicles.

The company's primary customer base consists of consumers and businesses within its operational footprint. Its branch network is strategically located across the Seattle Metropolitan Statistical Area, Clallam County, and Jefferson County in Washington, enabling it to serve local communities effectively with its diverse financial offerings.

AI Analysis | Feedback

Think of it as a regional, community-focused Bank of America for specific parts of Washington State.

It's like your local Wells Fargo, but an independent company serving consumers and businesses in the Puget Sound area.

A full-service neighborhood bank, similar to an independent Chase Bank for its local Washington communities.

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  • Deposit Accounts: Provides various savings, checking, and certificate accounts for individuals and businesses to store and manage their funds.
  • Residential Real Estate Loans: Offers financing for purchasing, refinancing, or accessing equity on one-to four-family residences.
  • Commercial & Multifamily Real Estate Loans: Provides funding for commercial properties, multi-unit residential developments, construction projects, and land acquisition.
  • Commercial Business Loans: Delivers financing solutions for businesses, including equipment, vehicles, and working capital needs.
  • Consumer Loans: Offers secured and unsecured loans for personal use, such as vehicles, manufactured homes, and recreational vehicles.

AI Analysis | Feedback

Sound Financial Bancorp (SFBC) operates Sound Community Bank, which provides banking and financial services to both individual consumers and businesses. As a bank, its major customers fall into broad categories rather than specific named companies. Based on the services described, its primary customer categories are:

  1. Individual Consumers: This category includes individuals seeking personal banking services such as savings, money market, NOW, and demand deposit accounts, certificates of deposit, loans secured by first and second mortgages on one-to four-family residences, home equity loans (fixed-rate and variable-rate lines of credit), and secured and unsecured consumer loans (e.g., for manufactured homes, floating homes, automobiles, boats, and recreational vehicles).
  2. Commercial Businesses: This category encompasses various businesses requiring financing for their operations and assets. Services include commercial business loans to finance commercial vehicles and equipment, and loans secured by accounts receivable and/or inventory, as well as business deposit accounts.
  3. Real Estate Investors and Developers: This category focuses on customers involved in property development and investment. It includes those seeking commercial and multifamily real estate loans, construction loans secured by single-family residences, commercial and multifamily real estate, and land loans.

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Laura Lee Stewart, Chief Executive Officer, Director

Laurie Stewart has served as CEO since January 2008 and has over 35 years of experience with Sound Community Bank. She led the conversion of the organization from a $38 million credit union to a commercial bank, which has grown to over $1 billion in assets. Stewart has held prominent roles in the banking industry, including Chair of the American Bankers Association and a position on the board of directors for the Federal Reserve Bank of San Francisco's Head Office Board. She also served as Chair of the Washington Bankers Association (WBA) Board of Directors and helped establish the WBA's Executive Development Program. Additionally, she was selected for the inaugural FDIC Advisory Board in 2009 and the Community Bank Advisory Council of the Consumer Financial Protection Bureau in 2012. Stewart was named Community Banker of the Year by American Banker in 2019 and has been consistently recognized as one of the Most Powerful Women in Banking.

Wesley Ochs, President, Chief Financial Officer and Chief Strategy Officer

Wesley Ochs was appointed President of Sound Financial Bancorp and Sound Community Bank, effective October 1, 2025, while continuing in his role as Chief Financial Officer, a position he has held since 2021. He joined the Bank in 2009 as a Commercial Loan Officer and has progressed through various roles, including Senior Vice President/Credit Administration Manager and Chief Strategy Officer. Ochs brings over 23 years of banking experience, covering retail banking, mortgage banking, commercial lending, credit administration, and management. He is a graduate of the Pacific Coast Banking School and holds degrees in Economics and Accounting.

Heidi Sexton, Executive Vice President and Chief Operating Officer

Heidi Sexton serves as the Executive Vice President and Chief Operating Officer of Sound Community Bank and as Corporate Secretary for the company. She is recognized as a top executive, as indicated by amendments to her change in control agreement in November 2024.

Brandon Lance, Senior Vice President and Director of Credit Officer

Brandon Lance is the Senior Vice President and Director of Credit Officer. He possesses over 17 years of banking experience, with a primary focus on commercial and industrial lending and commercial real estate credit risk management. Lance is an alumnus of Western Washington University and the Pacific Coast Banking School.

AI Analysis | Feedback

The key risks to Sound Financial Bancorp's business operations include credit risk, interest rate risk, and cybersecurity risk.

  1. Credit Risk and Asset Quality: As a bank that provides a variety of loans, including residential, commercial, multifamily real estate, construction, land, and commercial business loans, Sound Financial Bancorp is significantly exposed to credit risk. Increases in nonperforming assets and nonperforming loans indicate a potential challenge in the quality of its loan portfolio. For example, nonperforming assets to total assets rose to 0.75% at December 31, 2024, from 0.42% at December 31, 2023, and nonperforming loans increased by 110.7% over the same period. The inherent nature of commercial and industrial (C&I) loans, which Sound Financial Bancorp also offers, generally carries higher loss rates compared to commercial real estate-secured loans, further contributing to this risk.
  2. Interest Rate Risk: Sound Financial Bancorp's financial performance is sensitive to fluctuations in interest rates. Changes in interest rates can significantly impact the bank's net interest income, which is the difference between the interest earned on assets (like loans) and the interest paid on liabilities (like deposits). Unfavorable interest rate movements can reduce profitability and affect the value of its loan and investment portfolios.
  3. Cybersecurity Risk and Information Technology System Disruptions: The company faces the risk of disruptions, security breaches, or other adverse events affecting its information technology systems or those of its third-party vendors. A specific data breach involving Sound Community Bank was reported on October 29, 2025, where sensitive personal identifiable information in its systems may have been accessed by an unauthorized third party, underscoring the tangible nature of this risk. Such incidents can lead to financial losses, reputational damage, and regulatory penalties.

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The rise of digital-only banks and online lenders represents a clear emerging threat to Sound Financial Bancorp's traditional, branch-based banking model. These digital competitors offer comparable deposit and loan products through highly convenient mobile and online platforms, often with lower overhead and potentially more competitive rates, thereby challenging the necessity and appeal of SFBC's physical branch network and established local presence.

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Addressable Market Sizes for Sound Financial Bancorp (SFBC)

For the public company Sound Financial Bancorp (SFBC), specific addressable market sizes for its main products and services within its precise operating regions (Seattle Metropolitan Statistical Area, Clallam County, and Jefferson County in Washington state) are not readily available in public data. Information found tends to be either too broad (state or national level for banking and lending), focused on specific niches that don't encompass all of SFBC's offerings, or provides market activity and pricing rather than total addressable market size figures.

While the overall Commercial Banking industry in Washington state has shown growth, and there are projections for mortgage market activity in the broader Greater Seattle Area, these do not translate into specific, quantifiable addressable market sizes for Sound Financial Bancorp's diverse loan and deposit products within its defined local service areas.

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Here are 3-5 expected drivers of future revenue growth for Sound Financial Bancorp (SFBC) over the next 2-3 years:
  • Loan Growth: Sound Financial Bancorp anticipates continued loan growth, which is expected to drive future revenue. The company saw loans held for portfolio increase by 2% quarter-over-quarter in Q2 2025, with broad-based category growth. This growth has also led to provisions for credit losses, indicating an expanding loan book. Management explicitly expects continued loan growth in 2026.
  • Net Interest Margin (NIM) Expansion: The company has demonstrated a focus on improving its net interest margin. In Q2 2025, NIM expanded by 42 basis points sequentially and 75 basis points year-over-year. Management also noted a 15-basis-point increase in net interest margin in Q4 2024, largely due to progress in reducing deposit costs. This trend of NIM tailwind from lower funding costs is expected to continue.
  • Deposit Growth and Cost Reduction: Sound Financial Bancorp is focused on attracting and managing deposits effectively. Strong deposit growth was observed in Q4 2025. Efforts to reduce deposit costs, such as the 16-basis-point decrease in Q4 2024, directly contribute to NIM expansion and, consequently, revenue growth by improving the profitability of lending activities.
  • Technology-Driven Efficiency Gains: The bank is leveraging technology investments to drive efficiencies. These ongoing benefits from prior technology investments have reduced expenses and are anticipated to lead to further efficiencies as the company continues to grow. While primarily impacting profitability through cost control, enhanced efficiency can free up resources for revenue-generating initiatives and improve the overall financial performance.

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Share Repurchases

  • During the nine months ended September 28, 2024, Sound Financial Bancorp repurchased 915,504 shares of common stock for $27.0 million.
  • In the year ended December 31, 2023, the company repurchased 899,011 shares of its common stock for a total cost of $14.6 million.
  • As of September 27, 2025, approximately $22.8 million remained available for future stock repurchases under its share repurchase program.

Share Issuance

  • No significant share issuances were identified over the last 3-5 years. The number of shares outstanding for Sound Financial Bancorp has remained relatively stable or slightly decreased during this period.

Peer Outperformance in Regional Banks

SFBC has trailed 74% of its 262 Regional Banks peers over 5Y. Among the peers that beat it are FBP, BPOP and IBOC. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that SFBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
6%
of 281 industry peers · 1.5% return
3Y
8%
of 273 industry peers · 28.7% return
5Y
26%
of 262 industry peers · 17.0% return
Regional Banks peers with revenue growth within 4pp of SFBC's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
SFBC Sound Financial Bancorp -0.9% 14.3x 1.5%28.7%17.0% —
FBP First BanCorp 2.9% 10.7x 33.9%101.1%117.2% +100pp
BPOP Popular 2.8% 10.3x 41.4%144.6%117.1% +100pp
IBOC International Bancshares 2.2% 10.3x 1.5%57.4%69.1% +52pp
CATY Cathay General Bancorp 2.0% 12.4x 41.7%91.0%67.5% +50pp
MTB M&T Bank 0.8% 10.5x 23.3%98.8%65.8% +49pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is SFBC's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Latest Trefis Analyses

Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

SFBCCOLBBANRHFWAFSBWTSBKMedian
NameSound Fi.Columbia.Banner Heritage.FS Banco.Timberla. 
Mkt Price45.0730.4370.1328.5643.9147.7344.49
Mkt Cap0.18.72.41.20.30.40.8
Rev LTM402,63967929415383223
Op Inc LTM-------
FCF LTM71,26423980982989
FCF 3Y Avg584627079652672
CFO LTM81,3062519011831104
CFO 3Y Avg687928186732780

Growth & Margins

SFBCCOLBBANRHFWAFSBWTSBKMedian
NameSound Fi.Columbia.Banner Heritage.FS Banco.Timberla. 
Rev Chg LTM5.9%33.1%4.9%30.2%0.5%10.1%8.0%
Rev Chg 3Y Avg-0.9%18.8%2.3%5.1%4.6%3.6%4.1%
Rev Chg Q6.1%30.3%3.5%48.9%3.7%7.0%6.6%
QoQ Delta Rev Chg LTM1.6%6.2%0.9%10.4%0.9%1.7%1.6%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM18.7%49.5%36.9%30.6%77.1%37.7%37.3%
CFO/Rev 3Y Avg14.8%38.8%44.1%35.5%49.5%35.7%37.2%
FCF/Rev LTM18.2%47.9%35.2%27.3%64.3%35.0%35.1%
FCF/Rev 3Y Avg12.7%37.3%42.3%32.7%44.3%33.5%35.4%

Valuation

SFBCCOLBBANRHFWAFSBWTSBKMedian
NameSound Fi.Columbia.Banner Heritage.FS Banco.Timberla. 
Mkt Cap0.18.72.41.20.30.40.8
P/S2.93.33.64.02.14.53.4
P/Op Inc-------
P/EBIT-------
P/E14.412.212.115.19.711.812.1
P/CFO15.36.79.713.02.711.910.8
Total Yield8.8%12.8%11.2%9.6%13.7%10.8%11.0%
Dividend Yield1.8%4.6%2.9%2.9%3.2%2.4%2.9%
FCF Yield 3Y Avg4.4%13.0%12.2%9.6%20.5%9.7%10.9%
D/E0.10.50.00.21.20.00.1
Net D/E-1.00.3-0.2-0.80.6-0.7-0.4

Returns

SFBCCOLBBANRHFWAFSBWTSBKMedian
NameSound Fi.Columbia.Banner Heritage.FS Banco.Timberla. 
1M Rtn4.7%5.3%5.2%4.0%-0.5%4.6%4.6%
3M Rtn-3.2%-0.8%0.2%-2.8%2.2%5.1%-0.3%
6M Rtn7.7%5.5%8.5%5.9%7.0%16.8%7.4%
12M Rtn2.0%20.6%19.7%31.5%18.9%48.0%20.2%
3Y Rtn29.3%69.0%74.2%83.9%65.9%78.2%71.6%
1M Excs Rtn4.8%9.1%8.2%7.2%1.0%7.8%7.5%
3M Excs Rtn-2.2%-0.5%0.8%-1.4%2.9%7.1%0.2%
6M Excs Rtn2.9%0.7%3.7%1.1%2.2%12.0%2.5%
12M Excs Rtn-8.8%7.3%6.9%19.4%3.5%37.7%7.1%
3Y Excs Rtn-53.5%0.7%2.3%14.8%-17.4%3.3%1.5%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Banking Segment3936394037
Total3936394037


Price Behavior

Price Behavior
Market Price$44.85 
Market Cap ($ Bil)0.1 
First Trading Date01/09/2008 
Distance from 52W High-8.3% 
   50 Days200 Days
DMA Price$45.73$44.04
DMA Trenddownindeterminate
Distance from DMA-1.9%1.8%
 3M1YR
Volatility32.8%25.8%
Downside Capture-22.06-1.55
Upside Capture-32.916.05
Correlation (S&P 500)-11.8%0.1%
SFBC Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta-0.11-0.65-0.46-0.10-0.010.16
Up Beta-2.77-0.52-0.330.310.240.26
Down Beta0.29-0.81-1.00-0.52-0.330.16
Up Capture-11%-73%-40%4%2%3%
Bmk +ve Days12182862130427
Stock +ve Days12223165121310
Down Capture-22%-44%-24%-26%-2%11%
Bmk -ve Days10253664121325
Stock -ve Days4152754121325

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with SFBC
SFBC4.3%25.8%0.12-
Sector ETF (XLF)11.1%15.2%0.4712.1%
Equity (SPY)9.5%13.6%0.412.8%
Gold (GLD)3.6%28.7%0.11-15.8%
Commodities (DBC)37.7%21.2%1.40-5.4%
Real Estate (VNQ)12.0%14.2%0.554.9%
Bitcoin (BTCUSD)-20.8%43.3%-0.42-2.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with SFBC
SFBC8.6%26.0%0.44-
Sector ETF (XLF)9.1%18.4%0.3614.1%
Equity (SPY)11.3%17.3%0.489.8%
Gold (GLD)17.5%19.1%0.74-9.2%
Commodities (DBC)8.0%19.6%0.29-2.0%
Real Estate (VNQ)1.2%18.9%-0.058.9%
Bitcoin (BTCUSD)5.9%51.5%0.290.9%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with SFBC
SFBC11.3%30.0%0.48-
Sector ETF (XLF)13.3%22.1%0.5416.8%
Equity (SPY)14.9%18.0%0.7015.6%
Gold (GLD)12.0%16.5%0.59-3.5%
Commodities (DBC)7.6%18.1%0.333.7%
Real Estate (VNQ)5.7%20.7%0.2318.7%
Bitcoin (BTCUSD)61.3%66.2%1.013.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.0 Mil
Short Interest: % Change Since 9302026-5.3%
Average Daily Volume0.0 Mil
Days-to-Cover Short Interest1.4 days
Basic Shares Quantity2.6 Mil
Short % of Basic Shares0.1%

Earnings Returns History

Updated 11/5/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/27/20260.0%0.0% 
7/29/20264.0%6.5%7.7%
4/28/2026-1.4%0.8%4.2%
1/28/2026-0.0%-0.4%-3.0%
10/28/2025-1.1%-1.7%-0.3%
7/29/2025-1.2%-0.5%2.3%
4/30/20250.0%-0.4%-1.2%
1/30/20250.1%-1.4%-6.0%
...
SUMMARY STATS   
# Positive131112
# Negative111311
Median Positive0.1%0.6%3.8%
Median Negative-0.7%-1.0%-2.7%
Max Positive4.0%6.5%14.5%
Max Negative-2.6%-3.7%-12.5%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/27/20260.0%0.0% 
7/29/20264.0%6.5%7.7%
4/28/2026-1.4%0.8%4.2%
1/28/2026-0.0%-0.4%-3.0%
10/28/2025-1.1%-1.7%-0.3%
7/29/2025-1.2%-0.5%2.3%
4/30/20250.0%-0.4%-1.2%
1/30/20250.1%-1.4%-6.0%
10/31/20243.3%0.6%3.4%
7/29/2024-0.2%0.5%13.8%
4/30/20240.0%-1.3%0.4%
1/29/2024-0.1%-1.0%2.3%
10/25/20230.0%0.3%-0.9%
7/26/2023-0.5%0.7%2.6%
4/25/20233.0%0.2%2.3%
1/30/2023-0.7%-0.5%-0.3%
10/26/2022-2.6%-3.7%-2.7%
7/27/20220.0%-0.5%13.5%
4/27/20220.1%0.9%-1.0%
1/31/20221.9%-1.4%-12.5%
10/27/2021-0.3%0.0%-4.5%
7/29/20210.0%-0.0%-2.8%
4/28/2021-1.5%-3.3%11.3%
1/28/20211.7%2.3%14.5%
SUMMARY STATS   
# Positive131112
# Negative111311
Median Positive0.1%0.6%3.8%
Median Negative-0.7%-1.0%-2.7%
Max Positive4.0%6.5%14.5%
Max Negative-2.6%-3.7%-12.5%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/10/202610-Q
03/31/202605/12/202610-Q
12/31/202503/18/202610-K
09/30/202511/12/202510-Q
06/30/202508/12/202510-Q
03/31/202505/13/202510-Q
12/31/202403/18/202510-K
09/30/202411/13/202410-Q
06/30/202408/13/202410-Q
03/31/202405/14/202410-Q
12/31/202303/22/202410-K
09/30/202311/14/202310-Q
06/30/202308/14/202310-Q
03/31/202305/15/202310-Q
12/31/202203/14/202310-K
09/30/202211/10/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/10/202610-Q
03/31/202605/12/202610-Q
12/31/202503/18/202610-K
09/30/202511/12/202510-Q
06/30/202508/12/202510-Q
03/31/202505/13/202510-Q
12/31/202403/18/202510-K
09/30/202411/13/202410-Q
06/30/202408/13/202410-Q
03/31/202405/14/202410-Q
12/31/202303/22/202410-K
09/30/202311/14/202310-Q
06/30/202308/14/202310-Q
03/31/202305/15/202310-Q
12/31/202203/14/202310-K
09/30/202211/10/202210-Q
06/30/202208/12/202210-Q
03/31/202205/10/202210-Q
12/31/202103/15/202210-K
09/30/202111/09/202110-Q
06/30/202108/13/202110-Q
03/31/202105/13/202110-Q
12/31/202003/30/202110-K
09/30/202011/09/202010-Q
06/30/202008/10/202010-Q
03/31/202005/11/202010-Q
12/31/201903/12/202010-K
09/30/201911/08/201910-Q

Recent Forward Guidance

Updated 11/2/2026

Latest: Q3 2026 Earnings Reported 10/27/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
Q4 2026 DividendsReported 0.21    

null

Insider Activity

Updated 9/30/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Stewart, Laura LeeChief Executive OfficerCRTSell930202645.9990041,391372,519Form
2Stewart, Laura LeePresident and CEOCRTSell630202642.6090038,340383,400Form
3Stewart, Laura LeePresident and CEOCRTSell331202644.1390039,717436,887Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Stewart, Laura LeeChief Executive OfficerCRTSell930202645.9990041,391372,519Form
2Stewart, Laura LeePresident and CEOCRTSell630202642.6090038,340383,400Form
3Stewart, Laura LeePresident and CEOCRTSell331202644.1390039,717436,887Form
Core Cache Last Updated: 11/5/2026