SFBC — Stock Film
STOCK FILMSCENE 1/11SFBC · $47.75
Stock Expert AI presents
SFBC
Sound Financial Bancorp, Inc
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Sound Financial Bancorp, Inc. A quick introduction.

On the stock market since 2008, it operates in the world of money and finance. It has 107 employees. Now — the numbers.

on the stock market since 2008
107 employees
$111.2M market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $12 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 12%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
61%Debit/ATM Interchange Fees
Debit/ATM Interchange Fees 61%Transaction-based and Overdraft Service Charges 18%Account Maintenance Fees 16%Credit Card and Interchange Fees 4%
61% of all revenue comes from a single line: Debit/ATM Interchange Fees.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 11% a year over the last 4 years. Every year shown ended in profit.

$41.2M
2021
$44.4M
2022
$55.6M
2023
$62.1M
2024
$61.6M
2025
INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
56
average

Profit indicators sit around the sector average.

FINANCIAL STRENGTH
72
strong

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
88
very strong

The price looks reasonable next to what the company earns.

GROWTH
92
very strong

Sales are growing strongly for its sector.

PRICE MOMENTUM
78
strong

Clearly above the class average — a step short of the very top.

No real weak spot in any of the five subjects — a balanced report card.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Few are betting against it10/10
WEAK SPOTS
Executives aren’t buying3/10
WORTH WATCHING

Executive Buying: The trades send no strong signal of confidence.

THE FIVE-YEAR JOURNEY
Trading below its recent peak.

The stock trades below its recent peak — about 15% off the top. A pullback, not a collapse.

1
THE BRIGHT SIDE · 1/2
Sales keep climbing

Over the last 3 years, sales grew about 12% a year on average.

2
THE BRIGHT SIDE · 2/2
Pays a steady dividend

It pays out $0.80 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/2
Executives lean toward selling

Over the last 12 months, executives reported 9 sells against just 2 buys. Not an alarm bell by itself, but a number worth watching.

2
THE RISKS · 2/2
Executives aren’t buying

No clear buy-side message is coming from the executive floor. Council score: 3/10.

FINALE · THE GRADE
B
0 / 100 · MoonshotScore

On our five-subject report card, SFBC sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”

The takeaway: SFBC is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film