Sound Financial Bancorp, Inc. — Earnings Quality Grade A
SFBC · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 35 days, change -0 days YoY
AR growth 8.6% vs revenue growth 8.9%
Revenue 8.9%, CFFO 144.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 123.7% is >2x revenue growth 8.9%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.00. Profits backed by cash
FCF $0.0B, FCF/NI = 0.98
Accruals ratio = -0.0%. Low accruals
Cash $0.1B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 4% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -12% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor SFBC continuously
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Altman Z-Score — Not Applicable
Sound Financial Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25