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SFBC

Sound Financial BancorpC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 showed improved earnings, NIM expansion, stronger saleable residential production, and continued capital/liquidity management. If these trends persist, SFBC could support a modest re-rating.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Commercial production slowed during Q2, while held-for-portfolio loans declined 3.2% sequentially.
Momentum
63
Value
50
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $46.00 · Bull $57.00 · Bear $39.00Analysis 2026-08-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Why
Momentum63 · Δ7d -
Value50 · Δ7d -0.1
Sentiment59 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Commercial production slowed during Q2, while held-for-portfolio loans declined 3.2% sequentially.
  • • Economic uncertainty, inflation, and interest rates may continue to temper loan demand.
  • • Commercial production slowed, held-for-portfolio loans and deposits declined sequentially, and part of the improved loan yield reflected a non-recurring prepayment penalty.

Catalyst clock

2026-11-01

Quarterly dividend record and payment dates

Lead driver: Sentiment · See AI snapshot
Momentum
63
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
50
28% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.1
Sentiment
59
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 63.5 / Value 49.6 / Sentiment 59.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
20%
Probability
Target price
$57.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$46.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$39.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$118.9M
Beta
0.11
Shares Out
2.57M
P/E (TTM)
16.5
P/S (TTM)
2.89
P/FCF (TTM)
34.60
Rev YoY
+1.5%
EPS YoY
+23.1%
Gross Margin
-
Op Margin
+15.6%
Net Debt
-$116.98M
Current Ratio
0.16
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data