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PROV (64) RVSB (58) BYFC (37) MGYR (73) ⌘ Pro Terminal →

Sound Financial Bancorp Inc. (SFBC) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$44.23 -1.71% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $44.01

Sound Financial Bancorp Inc. (SFBC) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $115.6M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SFBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Sound Financial Bancorp Inc. (NASDAQ: SFBC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $44.23 (-1.71% 1D, market cap $115.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, SFBC ranks #254 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SFBC compare to PROV and RVSB in the Financials sector?
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Within the Financials sector (Savings Institutions), SFBC carries a Roarable C (65/100 RQD), trailing P/E of 16.1x, gross margin of —, and ROIC of 6.5%. By comparison, PROV (Provident Financial Holdings Inc.) holds a C grade (64/100 RQD, P/E 18.0x, ROIC 4.9%, cap $112.6M) and RVSB (Riverview Bancorp Inc) posts a D+ grade (58/100 RQD, P/E N/A, ROIC -2.6%, cap $121.2M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SFBC?
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Per SFBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001541119), Sound Financial Bancorp Inc. generated $458.7M in revenue (+9.9% YoY), $7.2M in net income, and $7.0M in free cash flow against $1.09B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $44.01 (-0.50%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 1.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510065
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B-
Cash (13)Whales (8)SEC (13)Macro (15)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.1% Base Target
$54 Bull$46 Base$36 Bear
📬 FREE SFBC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SFBC)Realized 20D OHLCV Swing Band: ±3.5%
Deterministic 5-Pillar Attribution (65/100 Composite)
🔍 WHY SFBC SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (23% of score)

FRED Regime × Technicals: 42% of 52W Range • RSI-14 at 50.9 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
57
Grade C$42.81+3.9% Next Q
Q2 (-2Q)
60
Grade C$44.50+1.1% Next Q
Q3 (-1Q)
62
Grade C+$45.00-1.7% Next Q
Current
65
Grade C$44.23+1.3% Hist 90D α
Trajectory: C (57) → C (65)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SFBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, SFBC faces multiple-compression risk if 16.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($45.83) or 200D SMA ($44.26) invalidates the momentum regime and cuts Target Base ($45.62) toward Bear Floor ($35.58).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SFBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “SFBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 65%NO 35%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

SFBC Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (SFBC)

No recent open-market Form 4 cluster sales or emergency dumps flagged on SFBC. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SFBC Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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SFBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.89%▲ ASCENDING TRIANGLE
2026-11-03O $45.00H $45.00L $44.23C $44.23VOL 577
RES: $48.72SUP: $42.72SMA50: $45.83SMA200: $44.26
$49.78$47.43$45.08$42.74$40.39RES $48.72SUP $42.72$44.232026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SFBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SFBC Butterfly Map → + Track SFBC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.7%/yr Implied 5Y Growth

vs. +9.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SFBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SFBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for SFBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SFBC)

Financials Rank #254 of 1097 ⚔️ PROV vs SFBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (SFBC vs. PROV, RVSB, BYFC, MGYR)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Sound Financial Bancorp Inc. (SFBC) ranks #254 by composite RQD confidence (65/100, grade C) and #945 by equity capitalization ($115.6M). Within this direct 5-issuer industry benchmark cohort, MGYR leads on earnings valuation at 13.4x trailing P/E, while MGYR leads on capital efficiency and profitability with 8.0% ROIC and — gross margin. MGYR currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with SFBC at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SFBC ACTIVE
Sound Financial Bancorp Inc.
C 65/100 16.1x — 6.5% -1.71% $115.6M Benchmark Subject
PROV
Provident Financial Holdings Inc.
C 64/100 18.0x — 4.9% 0.00% $112.6M /prov-vs-sfbc →
RVSB
Riverview Bancorp Inc
D+ 58/100 — — -2.6% +1.17% $121.2M /rvsb-vs-sfbc →
BYFC
Broadway Financial Corporation (Class A)
D- 37/100 — — -9.4% +1.66% $106.3M /byfc-vs-sfbc →
MGYR
Magyar Bancorp Inc.
B 73/100 13.4x — 8.0% +1.17% $144.0M /mgyr-vs-sfbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001541119 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Sound Financial Bancorp Inc. (SFBC) reported GAAP revenue of $458.7M (+9.9% vs. FY2024 revenue of $417.3M , and +1270.3% cumulative change since FY2023) , GAAP net income of $7.2M, operating cash flow of $7.2M, and free cash flow of $7.0M (+144.8% YoY). On the balance sheet, SFBC closed FY2025 with $1.09B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $458.7M $7.2M $7.2M $7.0M $1.09B —
FY2024 (FY) 2024-12-31 $417.3M $4.6M $2.9M $2.9M $993.6M —
FY2023 (FY) 2023-12-31 $33.5M $7.4M $6.9M $6.9M — —

3. SFBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SFBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Sound Financial Bancorp Inc. (NASDAQ: SFBC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $44.23 (-1.71% 1D, market cap $115.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, SFBC ranks #254 in composite RQD confidence.

How does SFBC compare to PROV and RVSB in the Financials sector?

Within the Financials sector (Savings Institutions), SFBC carries a Roarable C (65/100 RQD), trailing P/E of 16.1x, gross margin of —, and ROIC of 6.5%. By comparison, PROV (Provident Financial Holdings Inc.) holds a C grade (64/100 RQD, P/E 18.0x, ROIC 4.9%, cap $112.6M) and RVSB (Riverview Bancorp Inc) posts a D+ grade (58/100 RQD, P/E N/A, ROIC -2.6%, cap $121.2M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SFBC?

Per SFBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001541119), Sound Financial Bancorp Inc. generated $458.7M in revenue (+9.9% YoY), $7.2M in net income, and $7.0M in free cash flow against $1.09B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SFBC trading relative to its 50-day, 200-day, and 52-week technical levels?

SFBC last traded at $44.23 (-1.71% on volume of 2,704 shares), positioning the stock -3.49% below its 50-day simple moving average ($45.83) and -0.07% below its 200-day simple moving average ($44.26). Across its 52-week range of $40.68 to $49.21, SFBC sits at the 41.6% percentile with a 14-day RSI of 50.9 (NEUTRAL RANGE) and an implied next-earnings move of ±3.5% ($42.68 to $45.78).

Direct Sub-Reports: SFBC RQD Cockpit SFBC 12M Forecast SFBC Earnings & Move SFBC Dividends & DRIP SFBC Insiders & 13F SFBC Whale Options SFBC Profit Sankey SFBC News & Why
ROARABLE RATING BRIEF • RQD 65/100 (C) ✓ SEC XBRL & RQD VERIFIED

SFBC — Sound Financial Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Sound Financial Bancorp Inc. (SFBC) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $44.23 (-1.71% 1D, market capitalization $115.6M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 6.5%, gross margin of —, operating margin of —, and free cash flow yield of 6.05%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Sound Financial Bancorp Inc. Is a NASDAQ-listed issuer classified under the Financials sector and the Savings Institutions industry. Market capitalization is stated as $0.1B in the profile and $115.6M in market data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Sound Financial Bancorp Inc. (SFBC) reported $458.7M in annual revenue (up from $417.3M in FY2024, +9.9% YoY) and $7.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($33.5M revenue, $7.4M net income) through FY2025, SFBC scaled operating cash flow to $7.2M and free cash flow to $7.0M, backed by $1.09B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 65/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.05% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $40.68 – $49.21 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 16.1x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations beyond the stated beta of 1. A prospective investor should note that the absence of mapped links means ripple effects cannot be traced from this dataset.

  • Key Question #1: Can SFBC sustain or expand its — operating margin and 6.5% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $458.7M and free cash flow of $7.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is SFBC's 15.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

SFBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Sound Financial Bancorp Inc. (SFBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SFBC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SFBC Bull vs. Bear Conversation Board — What's Your Call at $44.23?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SFBC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SFBC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $58.50 (+30.0%)
📌 Pinned Debate

Insider conviction (16/20) and a 6.05% FCF yield with forward P/E of 15 versus trailing 16.1 point to a cash-generative balance sheet w

Here is why I am bullish on SFBC here at $45.00: Insider conviction (16/20) and a 6.05% FCF yield with forward P/E of 15 versus trailing 16.1 point to a cash-generative balance sheet with modest valuation support.. Compare SFBC's 0.0% operating margin and 6.5% ROIC against the rest of Savings Institutions. As long as cash conversion holds up, dips toward $42.75 are getting bought.

EarningsSniper 🐂 BULL

@BearTrap_Alert Shorting a 8/20 institutional whale-flow stock at $45.00 is dangerous when funds are rotating into Financials.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $33.75 (-25.0%)
Spot @ $45.00

Whale/13F flow scores only 8/20 and revenue, operating income, and EPS are unpopulated in the financials, leaving institutional support

I respect the product at Sound Financial Bancorp Inc., but the stock at $45.00 is a different story. Whale/13F flow scores only 8/20 and revenue, operating income, and EPS are unpopulated in the financials, leaving institutional support and core earnings quality largely unverified.. FCF yield is 6.05% and RQD sits at 65/100 (C) — why pay up here when you can wait for next quarter's numbers?

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