Sound Financial Bancorp, Inc. (SFBC)
Savings Institution, Federally Chartered · Financial Services · $106M
Intrinsic Value (Consensus)
$65.37
Current Price
$41.42
Margin of Safety
+57.8%
57.8% Below Intrinsic Value
Value: $65
Price: $41
Valuation Model Estimates
Current Price: $41.42
DCF (Discounted Cash Flow)
$127.66
Graham Number
$51.53
Earnings Power Value
$26.89
Relative Value (P/E)
$55.40
Dividend Discount Model
Not applicable
—
Consensus Value
$65.37
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
69
Profitability
15/25
Strength
22/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $2.77
- EPS (Forward)
- $3.32
- Book Value
- $42.60
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 6.5%
- Debt/Equity
- 37%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance