Sound Financial Bancorp, Inc. cash flow to debt ratio of 33.35% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Sound Financial Bancorp, Inc.'s free cash flow has increased 144.78% from $2.86M last year to $6.99M, signaling increasing performance

Sound Financial Bancorp, Inc.'s debt to equity ratio is 0.10, which means that the company's assets are healthy financed, signaling financial stability.

Sound Financial Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.39 last year to 0.10 today, signaling strengthened financials

Sound Financial Bancorp, Inc. has a net cash position, so leverage is healthy.

Sound Financial Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Sound Financial Bancorp, Inc.'s profit margin has increased (73.00%) in the last year from 7.48% to 12.93%, signaling increasing performance

Sound Financial Bancorp, Inc.'s short-term liabilities of $949.55M exceed its short-term assets of $144.59M, signaling financial risk

Sound Financial Bancorp, Inc.'s return on assets of 0.75% is lower than the 5.00% threshold, indicating inefficient asset utilization

Sound Financial Bancorp, Inc.'s return on equity of 7.31%, is lower than 15.00%, indicating bad performance

Sound Financial Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Sound Financial Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Sound Financial Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Sound Financial Bancorp, Inc. has a free cash flow yield of 6.33%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Sound Financial Bancorp, Inc.'s yearly earnings has increased 54.27% since last year from $4.64M to $7.16M, signaling increasing performance

Sound Financial Bancorp, Inc.'s yearly revenue has decreased 0.71% since last year from $62.06M to $61.62M, signaling decreasing performance

ROIC 0.75% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Sound Financial Bancorp, Inc.'s 3-year revenue CAGR of 11.56% is positive, indicating growing revenue over the past 3 years

Sound Financial Bancorp, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Sound Financial Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Sound Financial Bancorp, Inc. has insufficient data to evaluate this check.

Sound Financial Bancorp, Inc. has an earnings yield of 6.76%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Sound Financial Bancorp, Inc. is undervalued relative to its fair value price of 72.87 based on EBITDA multiple model

Sound Financial Bancorp, Inc. has insufficient data to compute enterprise value.

Sound Financial Bancorp, Inc. is undervalued relative to its fair value price of 76.56 based on Earnings Fair Value model

Sound Financial Bancorp, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Sound Financial Bancorp, Inc. has a price-to-book ratio of 1.06x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Sound Financial Bancorp, Inc. has a price-to-sales ratio of 1.91x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue