XNASSFBC
Market cap136mUSD
Jan 17, Last price
53.33USD
1D
-1.19%
1Q
-1.24%
Jan 2017
90.46%
IPO
430.12%
Name
Sound Financial Bancorp Inc
Chart & Performance
Profile
Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It accepts various deposits products comprising savings, money market deposit, NOW, and demand accounts, as well as certificates of deposit. The company also offers loans secured by first and second mortgages on one-to four-family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats, and recreational vehicle loans, and loans secured by deposit accounts. It operates eight branch offices, including four branches in Seattle Metropolitan Statistical Area, three branches in Clallam County, and one branch in Jefferson County; and a loan production office in the Madison Park neighborhood of Seattle. The company was founded in 1953 and is headquartered in Seattle, Washington.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
Income | |||||||||
Revenues | 50,609 26.91% | 39,877 7.06% | |||||||
Cost of revenue | 17,135 | 16,805 | |||||||
Unusual Expense (Income) | |||||||||
NOPBT | 33,474 | 23,072 | |||||||
NOPBT Margin | 66.14% | 57.86% | |||||||
Operating Taxes | 1,561 | 2,072 | |||||||
Tax Rate | 4.66% | 8.98% | |||||||
NOPAT | 31,913 | 21,000 | |||||||
Net income | 7,439 -15.50% | 8,804 -3.84% | |||||||
Dividends | (1,913) | (2,031) | |||||||
Dividend yield | 1.90% | 1.98% | |||||||
Proceeds from repurchase of equity | (2,137) | (1,645) | |||||||
BB yield | 2.12% | 1.60% | |||||||
Debt | |||||||||
Debt current | 15,000 | 5,448 | |||||||
Long-term debt | 46,359 | 65,572 | |||||||
Deferred revenue | |||||||||
Other long-term liabilities | 848,208 | 813,074 | |||||||
Net debt | 1,216 | (9,429) | |||||||
Cash flow | |||||||||
Cash from operating activities | 6,886 | 10,054 | |||||||
CAPEX | (444) | (398) | |||||||
Cash from investing activities | (26,324) | (185,575) | |||||||
Cash from financing activities | 11,292 | 49,767 | |||||||
FCF | 22,244 | 27,191 | |||||||
Balance | |||||||||
Cash | 49,690 | 68,043 | |||||||
Long term investments | 10,453 | 12,406 | |||||||
Excess cash | 57,613 | 78,455 | |||||||
Stockholders' equity | 72,664 | 69,701 | |||||||
Invested Capital | 947,787 | 906,650 | |||||||
ROIC | 3.44% | 2.38% | |||||||
ROCE | 3.33% | 2.36% | |||||||
EV | |||||||||
Common stock shares outstanding | 2,582 | 2,613 | |||||||
Price | 39.00 -0.69% | 39.27 -10.75% | |||||||
Market cap | 100,686 -1.89% | 102,629 -11.20% | |||||||
EV | 101,902 | 93,200 | |||||||
EBITDA | 35,126 | 24,671 | |||||||
EV/EBITDA | 2.90 | 3.78 | |||||||
Interest | 16,759 | 4,500 | |||||||
Interest/NOPBT | 50.07% | 19.50% |