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SFBC

Sound Financial BancorpB
Nasdaq / Banks
Last Price
At close
2026-07-21
View Chart
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
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +2.0.
What can break
Adverse regulatory or capital actions
Momentum
63
Value
51
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $44.28 · Bull $54.69 · Bear $42.75
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-27 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Why
Momentum63 · Δ7d -
Value51 · Δ7d +2.0
Sentiment56 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
63
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
51
39% active weight
Current posture
7d trendImproving
Δ7d
+2.0
Δ21d
+0.1
Sentiment
56
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 63.5 / Value 50.7 / Sentiment 56.0

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$112.27M
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 2026-07-21 • Updated nightlySource: Internal modelMethodology