Sound Financial Bancorp, Inc. (SFBC) vs SR Bancorp, Inc. (SRBK)

Sound Financial Bancorp, Inc. and SR Bancorp, Inc. are both Banks Regional companies. SR Bancorp, Inc. is the larger, with a market value of $141.4M against $118.1M — 1.2× the size. Sound Financial Bancorp, Inc. trades at the lower P/E: 13.7× against 32.5×. SR Bancorp, Inc. grew revenue faster over the last twelve months: 18.3% against −0.76%. Sound Financial Bancorp, Inc. has the higher net margin (12.8% vs 8.89%) and the higher return on invested capital (1,916.1% vs 2.08%). Across the 19 metrics below, Sound Financial Bancorp, Inc. leads on 12 and SR Bancorp, Inc. on 7.

Valuation

Metric SFBC SRBK Banks Regional median
P/E 13.69 32.53 12.15
P/S 1.76 2.73 2.37
P/B 0.97 0.77 1.21
Price to free cash flow 14.94 18.45 10.80
EV/EBITDA n/m n/m —
EV/Sales (0.04) 2.40 2.27
Earnings yield 7.30% 3.07% 8.11%
Free cash flow yield 6.70% 5.42% 8.98%

Profitability

Metric SFBC SRBK Banks Regional median
Gross margin 64.69% 65.81% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.84% 8.89% 18.66%
Free cash flow margin 11.77% 14.77% 21.18%
Return on equity 7.33% 2.44% 10.64%
Return on assets 0.75% 0.42% 1.13%
Return on invested capital 1,916.08% 2.08% 8.33%

Growth

Metric SFBC SRBK Banks Regional median
Revenue growth (TTM) (0.76%) 18.26% 6.61%
EPS growth (last fiscal year) 53.89% 138.25% —
Revenue growth, 5-year CAGR 7.74% 27.62% 12.30%
Net income growth, 5-year CAGR (4.41%) 22.38% 9.71%

Health

Metric SFBC SRBK Banks Regional median
Debt to equity 0.07 0.27 0.22
Current ratio 1.08 1.04 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SFBC SRBK Banks Regional median
Dividend yield 2.33% — 3.75%
Payout ratio 0.17 — 0.27

Size

Metric SFBC SRBK Banks Regional median
Market cap 118.13m 141.36m 921.07m

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