SFBC

Sound Financial BancorpC

Nasdaq / Banks

At close

2026-07-20

Current thesis

Recovery in regional spreads and above-consensus loan growth drives re-rating toward the analyst high; improving credit metrics and steady deposit trends support upside.

Posture

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.5.

What can break

Adverse regulatory or capital actions

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $44.28 · Bull $54.69 · Bear $42.75

Data freshness

Prices

As of 2026-07-20

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-20 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-27 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-20

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Why

Momentum63 · Δ7d -

Value49 · Δ7d +0.5

Sentiment51 · Δ7d -

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.5

Δ21d

-1.3

Sentiment

34% active weight

Current posture

7d trendTrend unavailable

Trend unavailable

Δ7d

Δ21d

Why this grade

Composite grade C. Momentum 63.5 / Value 49.3 / Sentiment 50.9

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$117.58M

Beta

0.11

Shares Out

2.57M

P/E (TTM)

16.5

P/S (TTM)

2.89

P/FCF (TTM)

34.60

Rev YoY

+4.2%

EPS YoY

+35.6%

Gross Margin

Op Margin

+21.7%

Net Debt

-$116.98M

Current Ratio

0.16

As of 2026-07-20 • Updated nightlySource: Internal modelMethodology