Stock Ratings / Financials / SFBC / insiders

PROV (64) RVSB (56) BYFC (37) MGYR (68) ⌘ Pro Terminal →

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

$45.00 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $44.91

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.

📊 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) →

ROARABLE C • HOLD / WATCH Cap $115.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SFBC Below — or Connect Your Own ChatGPT / Claude

🤖 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 2026-11-02, 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 $45.00 (0.00% 1D, market cap $115.6M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SFBC ranks #297 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 $112.8M) and RVSB (Riverview Bancorp Inc) posts a D+ grade (56/100 RQD, P/E N/A, ROIC -2.6%, cap $119.4M). 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 $0 in revenue, $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: $44.91 (-0.19%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 0.2% 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

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-

Each axis scored 0–20

12M PRICE TARGET CONE+3.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SFBC)Realized 20D OHLCV Swing Band: ±4%

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: 51% 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)

Grade C$42.52+3.8% Next Q

Q2 (-2Q)

Grade C$44.13+2% Next Q

Q3 (-1Q)

Grade C+$45.00+0% Next Q

Current

Grade C$45.00+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 ($45.88) or 200D SMA ($44.25) invalidates the momentum regime and cuts Target Base ($46.42) toward Bear Floor ($36.21).

🎲 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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SFBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.75%▲ ASCENDING TRIANGLE

2026-11-02O $45.00H $45.00L $45.00C $45.00VOL 824

RES: $48.72SUP: $42.70SMA50: $45.88SMA200: $44.25

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

8.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #297 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, Sound Financial Bancorp Inc. (SFBC) ranks #297 by composite RQD confidence (65/100, grade C) and #947 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 68/100 (C+) 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%	0.00%	$115.6M	Benchmark Subject
PROV Provident Financial Holdings Inc.	C	64/100	18.0x	—	4.9%	-0.16%	$112.8M	/prov-vs-sfbc →
RVSB Riverview Bancorp Inc	D+	56/100	—	—	-2.6%	+1.52%	$119.4M	/rvsb-vs-sfbc →
BYFC Broadway Financial Corporation (Class A)	D-	37/100	—	—	-9.4%	-0.17%	$106.5M	/byfc-vs-sfbc →
MGYR Magyar Bancorp Inc.	C+	68/100	13.4x	—	8.0%	+10.18%	$130.7M	/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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$7.2M	$7.2M	$7.0M	$1.09B	—
FY2024 (FY)	2024-12-31	$0	$4.6M	$2.9M	$2.9M	$993.6M	—
FY2023 (FY)	2023-12-31	$0	$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?

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

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

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

SFBC last traded at $45.00 (0.00% on volume of 577 shares), positioning the stock -1.92% below its 50-day simple moving average ($45.88) and +1.69% above its 200-day simple moving average ($44.25). Across its 52-week range of $40.68 to $49.21, SFBC sits at the 50.6% percentile with a 14-day RSI of 50.9 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($43.20 to $46.80).

SFBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are SFBC insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies SFBC leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

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) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:43:33Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, SFBC scores 65 out of 100, a letter grade of C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." Across the five pillars, the fundamental cash engine scores 13 of 20, reflecting an ROIC of 6.5% and an FCF yield of 6.05%. Whale/13F flow scores 8 of 20, the weakest pillar, indicating limited institutional accumulation and options positioning support in the rating's framework. Insider conviction scores 16 of 20, the strongest pillar, reflecting SEC Form 4 and Congressional PTR cluster flow. Macro regime fit scores 15 of 20, consistent with a beta of 1.0 and the sector sensitivity the rating captures. Forensic balance sheet scores 13 of 20, reflecting an Altman Z of 2.5, a Piotroski F of 5/9, and a Debt/Equity of 0.5.

For a prospective investor, the implication is a balanced profile: the cash-generation and insider-flow pillars offer the clearest upside support, while thin institutional-flow evidence and only moderate forensic strength temper conviction. The rating's own verdict is "Hold" rather than an accumulation signal. Valuation context per the market data: a P/E (TTM) of 16.1 versus a forward P/E of 15 implies modestly lower expected earnings-based multiples, and the FCF yield of 6.05% is the primary cash-based valuation anchor in the source set. These are analytical observations, not personalized advice.

Business

Sound Financial Bancorp Inc. is a NASDAQ-listed issuer classified under the Financials sector and the Savings Institutions industry, per the company profile. The source data does not describe its products, customer base, or revenue model. Market capitalization is stated as $0.1B in the profile and $115.6M in market data.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$7.2M	N/A	$7.0M	$138.5M	N/A
FY 2024	$0.0M	$0.0M	$4.6M	N/A	$2.9M	$43.6M	N/A
FY 2023	$0.0M	$0.0M	$7.4M	N/A	$6.9M	N/A	N/A

Per the SEC financials, reported net income was $7.2M for FY 2025, $4.6M for FY 2024, and $7.4M for FY 2023, with FCF of $7.0M, $2.9M, and $6.9M respectively. Revenue and operating income are reported as $0.0M across all periods, so margin analysis is not available in source data. Gross, operating, and net margins are each stated as 0% in market data, which should be read as unpopulated rather than as a verified result. ROIC is 6.5% per market data. The Altman Z-Score (2.5), Piotroski F-Score (5/9), and Debt/Equity (0.5) appear in the Roarable RQD rating; the source does not provide a separate balance sheet breakdown beyond the cash figures listed above.

Recent Catalysts & News Wire Analysis

Per the recent news feed, the headlines center on Q3 results. One item states that profit was $2.3 million, higher than a year ago but lower than the prior quarter. Other headlines describe the stock as stalling despite improved Q3 earnings, and a MarketBeat item covers Q3 2026 earnings results. A separate item reports a cash dividend declaration payable on November 20, 2026. All news items carry a YELLOW light and a MARKET WIRE impact label, indicating moderate rather than high-severity signals. The source does not supply full earnings figures beyond the $2.3 million quarterly profit reference. The butterfly supply-chain graph reports no supply-chain links and no proprietary signals.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply-chain classification is NONE, with no butterfly links and no proprietary signals recorded. Upstream and downstream dependencies, sector correlations beyond the stated beta of 1.0, and second-order bottlenecks are not available in source data. A prospective investor should note that the absence of mapped links means ripple effects cannot be traced from this dataset.

Open Questions

What are the reported revenue and operating income figures, given that the financials show $0.0M across all periods?
What are the diluted EPS and debt figures for the reported fiscal years, which are listed as N/A?
What drove the stall in the share price despite improved Q3 earnings, and how does the $2.3 million quarterly profit compare with the annual net income figures?
What is the composition of the 13F institutional holder base and recent insider transaction history behind the whale and insider pillar scores?
What is the EV/EBITDA, and how do the margin fields reported as 0% reconcile with the stated ROIC of 6.5%?

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) ↓

🟡 MARKET WIRE Yahoo Finance • 13h ago

Sound Financial Bancorp (SFBC) Stock Stalls As Q3 Earnings Improve

Yahoo Finance report covering Sound Financial Bancorp Inc. (SFBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 16h ago

Sound Financial Bancorp, Inc. Estimates – NASDAQ:SFBC

TradingView report covering Sound Financial Bancorp Inc. (SFBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 19h ago

Sound Financial Bancorp, Inc. Declares Cash Dividend on the Common Stock, Payable on November 20, 2026

www.marketscreener.com report covering Sound Financial Bancorp Inc. (SFBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 22h ago

Profit was $2.3 million, higher than a year ago but lower than last quarter at Sound Financial.

Stock Titan report covering Sound Financial Bancorp Inc. (SFBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Sound Financial Bancorp (SFBC) Stock Stalls Despite Stronger Q3 Earnings

Simply Wall St report covering Sound Financial Bancorp Inc. (SFBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Sound Financial Bancorp Q3 2026 Earnings Results and Report

MarketBeat report covering Sound Financial Bancorp Inc. (SFBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

Sound Financial Bancorp Reports $2.3 Million Q3 2026 Net Income

Quiver Quantitative report covering Sound Financial Bancorp Inc. (SFBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 1d ago

Sound Financial Bancorp (SFBC) Slips 2.55% to $42.46, Holding Mid-Range Between Key Levels - Cash Secured Put

https://www.siam.in/ report covering Sound Financial Bancorp Inc. (SFBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SFBC Bull vs. Bear Conversation Board — What's Your Call at $45.00?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SFBC 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $48.60 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is SFBC (C • RQD 65/100) a Buy at $45.00?

Welcome to the SFBC (Sound Financial Bancorp Inc.) Roar Pit. Current RQD Composite is 65/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $35.55 (-21.0%)

Spot @ $45.00

Pump the brakes on SFBC — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on SFBC, but look at what you are paying: 16.1x trailing P/E with tightening sector spreads. Unless Sound Financial Bancorp Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH 🎯 Target: $51.30 (+14.0%)

Spot @ $45.00

SFBC cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on SFBC, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $45.00 (52-wk range $40.68 - $49.21), any beat on forward guidance forces shorts and underweight funds to chase.