Sound Financial Bancorp, Inc. (SFBC) vs Union Bankshares, Inc. (UNB)

Sound Financial Bancorp, Inc. and Union Bankshares, Inc. are both Banks Regional companies. Sound Financial Bancorp, Inc. and Union Bankshares, Inc. are of similar size ($118.1M and $116.2M). Union Bankshares, Inc. trades at the lower P/E: 9.0× against 13.7×. Union Bankshares, Inc. grew revenue faster over the last twelve months: 9.68% against −0.76%. Union Bankshares, Inc. has the higher net margin (13.4% vs 12.8%) and the lower return on invested capital (12.4% vs 1,916.1%). Both pay a dividend; Union Bankshares, Inc. yields more (4.93% vs 2.33%). Across the 20 metrics below, Union Bankshares, Inc. leads on 13 and Sound Financial Bancorp, Inc. on 7.

Valuation

Metric SFBC UNB Banks Regional median
P/E 13.69 9.04 12.15
P/S 1.76 1.25 2.37
P/B 0.97 1.25 1.21
Price to free cash flow 14.94 5.30 10.80
EV/EBITDA n/m n/m —
EV/Sales (0.04) 1.00 2.27
Earnings yield 7.30% 11.06% 8.11%
Free cash flow yield 6.70% 18.85% 8.98%

Profitability

Metric SFBC UNB Banks Regional median
Gross margin 64.69% 63.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.84% 13.40% 18.66%
Free cash flow margin 11.77% 23.57% 21.18%
Return on equity 7.33% 14.98% 10.64%
Return on assets 0.75% 0.80% 1.13%
Return on invested capital 1,916.08% 12.37% 8.33%

Growth

Metric SFBC UNB Banks Regional median
Revenue growth (TTM) (0.76%) 9.68% 6.61%
EPS growth (last fiscal year) 53.89% 25.26% —
Revenue growth, 5-year CAGR 7.74% 10.59% 12.30%
Net income growth, 5-year CAGR (4.41%) (2.85%) 9.71%

Health

Metric SFBC UNB Banks Regional median
Debt to equity 0.07 0.18 0.22
Current ratio 1.08 0.80 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SFBC UNB Banks Regional median
Dividend yield 2.33% 4.93% 3.75%
Payout ratio 0.17 0.50 0.27

Size

Metric SFBC UNB Banks Regional median
Market cap 118.13m 116.23m 921.07m

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