your badges 52W Range $41–$49 65% of range Analyst Rating · Price Target · P/E 16.7 ROE 6.7% Net Profit Margin 18.4%

SFBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $46.21
Market Cap (MRQ) $119M
P/E 16.7
EPS $2.77
Div Yield 1.6%
ROE 6.7%
52W Range $41–$49

SFBC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
range
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Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.

10-Year Performance Revenue, net income, margins and EPS trends

06
EPS$2.77
2016-12-31 → 2025-12-31
Free Cash Flow$7M
2016-12-31 → 2025-12-31
Net margin18.4%
2016-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend SFBC 5Y avg Peer Median Verdict
P/E 16.75Y avg ≈16.6 ≈16.6 11.4 Overvalued
P/S 3.15Y avg ≈3.0 ≈3.0 3.0 Undervalued
P/B (MRQ) 1.15Y avg ≈1.1 ≈1.1 1.0 Fair value
Price / FCF (TTM) 16.25Y avg ≈19.1 ≈19.1 · ·
Price / Cash Flow (TTM) 15.85Y avg ≈18.5 ≈18.5 10.8 Overvalued
Price / Tangible Book 1.15Y avg ≈1.1 ≈1.1 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield1.6%
Payout Ratio27.2%
Annualized Payout≈$0.84Paid quarterly
5Y Div CAGR≈4.8%Per share, split-adjusted
Ex-dateAmountCurrencyYield
Aug 7, 2026$0.21USD≈1.8%
May 11, 2026$0.21USD≈1.9%
Feb 9, 2026$0.21USD≈1.8%
Nov 7, 2025$0.19USD≈1.7%
Aug 11, 2025$0.19USD≈1.6%
May 9, 2025$0.19USD≈1.5%
Feb 12, 2025$0.19USD≈1.5%
Nov 12, 2024$0.19USD≈1.4%
Aug 9, 2024$0.19USD≈1.7%
May 7, 2024$0.19USD≈1.9%
Feb 6, 2024$0.19USD≈1.9%
Nov 7, 2023$0.19USD≈2.0%
Aug 8, 2023$0.19USD≈1.9%
May 9, 2023$0.19USD≈2.0%
Feb 8, 2023$0.17USD≈2.4%
Nov 8, 2022$0.17USD≈2.0%
Aug 8, 2022$0.17USD≈2.1%
May 9, 2022$0.17USD≈2.1%
Feb 9, 2022$0.27USD≈1.8%
Nov 9, 2021$0.17USD≈1.8%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Next Report Oct 26, 2026
PeriodReportEPS ActualEPS EstSurprise
March 31, 2026 $0.61 — —
Sept. 30, 2025 $0.66 — —
Sept. 30, 2023 $0.45 — —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 11
Metric Trend 202520242023202220212020201920182017201620152014
SG&A Expense $6M$6M$6M$6M$6M$5M$6M$5M$4M$4M$4M$4M
Interest Expense ··$17M$4M$4M$7M$8M$5M$3M$3M$3M$2M
Interest Income $58M$57M$51M$40M$34M$35M$35M$33M$27M$25M$22M$21M
Pretax Income $9M$6M$9M$11M$11M$11M$8M$9M$8M$8M$7M$7M
Income Tax $2M$1M$2M$2M$2M$2M$2M$2M$3M$3M$2M$2M
Net Income $7M$5M$7M$9M$9M$9M$7M$7M$5M$5M$5M$4M
EPS (Basic) $2.79$1.81$2.88$3.39$3.52$3.46$2.63$2.82$2.05$2.16$1.92$1.69
EPS (Diluted) $2.77$1.80$2.86$3.35$3.46$3.42$2.57$2.74$2.00$2.09$1.86$1.63
Shares (Basic) 2,556,2542,542,8052,562,1822,578,4962,582,7752,562,6502,527,3292,498,1612,504,0002,486,9362,491,6832,513,069
Shares (Diluted) 2,576,6812,565,9382,581,7022,613,4142,626,5162,592,5322,583,3122,567,1652,568,0002,566,9802,579,5752,602,146
EBITDA $491.0K$619.0K$717.0K$704.0K$676.0K·$931.0K$989.0K$943.0K$793.0K$620.0K$555.0K
Balance Sheet 16
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents $138M$44M$50M$58M$184M$194M$56M$62M$61M$55M$48M$29M
PP&E (Net) $4M$5M$5M$6M$6M$6M$7M$7M$7M$6M$5M$6M
PP&E (Gross) $14M$15M$15M$14M$14M$14M$13M·····
Accum. Depreciation $10M$10M$9M$9M$8M$7M$6M$5M$5M$4M$3M$2M
Goodwill $777.0K$777.0K$777.0K·········
Total Assets $1.09B$994M$995M$976M$920M$861M$720M$717M$645M$588M$541M$495M
Short-term Debt ·····$0······
Total Liabilities $983M$890M$895M$879M$826M$776M$642M$645M$580M$528M$486M$445M
Long-term Debt ··········$40M·
Common Stock $25.0K$25.0K$25.0K$26.0K$26.0K$25.0K$25.0K$25.0K$25.0K$25.0K$25.0K$25.0K
Paid-in Capital $29M$28M$28M$28M$28M$27M$26M$26M$25M$24M$23M$24M
Retained Earnings $81M$76M$74M$71M$65M$58M$51M$46M$40M$37M$32M$28M
AOCI $-846.0K$-1M$-988.0K$-1M$139.0K$240.0K$175.0K$114.0K$109.0K$81.0K$164.0K$183.0K
Stockholders' Equity $109M$104M$101M$98M$93M$85M$78M$72M$65M$60M$55M$51M
Liabilities + Equity $1.09B$994M$995M$976M$920M$861M$720M$717M$645M$588M$541M$495M
Shares Outstanding 2,567,9532,564,9072,549,4272,583,6192,613,7682,592,5872,567,3892,544,0592,511,1272,498,8042,469,2062,515,664
Cash Flow 15
Metric Trend 202520242023202220212020201920182017201620152014
D&A $491.0K$619.0K$717.0K$704.0K$676.0K$905.0K$931.0K$989.0K$943.0K$793.0K$620.0K$555.0K
Stock-based Comp $303.0K$390.0K$450.0K$475.0K$360.0K$338.0K$267.0K$273.0K$523.0K$525.0K$418.0K$333.0K
Deferred Tax $70.0K$-273.0K$-467.0K$-149.0K$-43.0K$355.0K$-267.0K$69.0K$-203.0K$-23.0K$-359.0K$-137.0K
Other Non-cash $-861.0K$-2M$-1M$220.0K$9M·$3M$2M$439.0K$475.0K$-2M$2M
Operating Cash Flow $7M$3M$7M$10M$19M$-484.0K$11M$10M$7M$7M$4M$7M
CapEx $170.0K$76.0K$444.0K$398.0K$225.0K$407.0K$654.0K$641.0K$2M$1M$1M$4M
Investing Cash Flow $-2M$-4M$-26M$-184M$-78M$4M$-6M$-71M$-36M$-43M··
Stock Repurchased $0$65.0K$2M$2M$152.0K$73.0K$0··$0$1M$904.0K
Net Stock Activity $0$-65.0K$-2M$-2M$-152.0K$-73.0K···$0$-1M$-904.0K
Dividends Paid $2M$2M$2M$2M$2M$2M$1M$1M$2M$745.0K$574.0K$504.0K
Financing Cash Flow $90M$-5M$11M$48M$49M$134M$-11M$62M$35M$42M··
Net Change in Cash $95M$-6M$-8M$-126M$-10M$138M$-6M$1M$6M$6M·$14M
Taxes Paid $2M$831.0K$2M$2M········
Free Cash Flow $7M$3M$6M$10M$19M$-891.0K$10M$10M$4M$6M$3M$3M
Levered FCF ··$-7M$6M$16M$-7M$4M$5M$2M$4M$776.9K$1M
Profitability 5
Metric Trend 202520242023202220212020201920182017201620152014
Net Margin 18.4%13.0%19.1%22.1%24.6%25.6%21.6%21.9%18.3%19.7%19.2%18.2%
Pretax Margin 22.3%15.8%23.2%27.3%30.7%32.4%26.9%27.3%29.3%29.6%28.4%28.2%
EBITDA Margin 1.3%1.7%1.8%1.8%1.8%·3.0%3.1%3.4%2.9%2.5%2.4%
ROA 0.69%0.47%0.75%0.93%1.0%1.1%0.93%1.0%0.83%0.95%0.92%0.90%
ROE 6.7%4.5%7.4%9.1%9.9%10.7%8.7%9.9%8.0%9.1%8.9%8.5%
Efficiency 1
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 0.00.00.00.00.00.00.00.00.00.00.00.0
Per Share 6
Metric Trend 202520242023202220212020201920182017201620152014
Book Value / Share $42.60$40.42$39.48$37.82$35.72$32.97$30.27$28.15$25.95$24.12$22.08$20.06
Revenue / Share $15.09$13.90$15.05$15.26$14.18$13.47$12.00$12.50$10.88$10.61$9.68$8.96
Cash Flow / Share $2.78$1.14$2.67$3.85$7.26$-0.19$4.28$4.02$2.66$2.78$1.45$2.61
Cash / Share $53.92$17.01$19.49$22.39$70.24$74.76$21.72$24.30$24.16$21.84$19.55$11.60
Dividend Paid / Share $0.76$0.76$0.74$0.78$0.78$0.80$0.56$0.54$0.60$0.30$0.20$0.20
EPS (TTM) $2.77$1.80$2.86$3.35$3.46$3.42$2.57$2.74$2.00$2.09$1.86$1.63
Growth Rates 10
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 9.1%-8.2%-2.6%7.1%6.6%·······
Revenue CAGR 3Y -0.83%-1.5%3.6%·········
Revenue CAGR 5Y 2.2%···········
EPS YoY 53.9%-37.1%-14.6%-3.2%1.2%·······
EPS CAGR 3Y -6.1%-19.6%-5.8%·········
EPS CAGR 5Y -4.1%···········
Net Income YoY 54.3%-37.6%-15.5%-3.8%2.5%·······
Net Income CAGR 3Y -6.7%-20.3%-5.9%·········
Net Income CAGR 5Y -4.3%···········
Dividends Paid CAGR 5Y -1.2%···········
Valuation (TTM) 13
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM $39M$36M$39M$40M$37M$35M$31M$32M$28M$27M$25M$23M
Net Income TTM $7M$5M$7M$9M$9M$9M$7M$7M$5M$5M$5M$4M
Market Cap $112M$135M$99M$101M$115M$82M$92M$83M$85M$70M$56M$48M
P/E 15.829.213.611.712.79.314.011.917.013.412.211.6
P/S 2.93.82.62.53.12.43.02.63.12.62.22.0
P/B 1.01.31.01.01.21.01.21.21.31.21.00.9
P / Tangible Book 1.01.31.01.01.21.0······
P / Cash Flow 15.646.114.410.16.0-170.18.48.012.59.814.97.0
P / FCF 16.047.315.410.56.1-92.48.98.619.611.421.216.8
Dividend Yield 1.7%1.4%1.9%2.0%1.8%2.5%1.6%1.7%1.8%1.1%1.0%1.1%
Earnings Yield 6.3%3.4%7.3%8.5%7.9%10.8%7.1%8.4%5.9%7.5%8.2%8.6%
Payout Ratio 27.2%42.0%25.7%23.1%22.3%23.2%21.5%19.4%29.4%13.9%12.0%11.9%
Annual Payout $2M$2M$2M$2M$2M$2M$1M$1M$2M$745.0K$574.0K$504.0K

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $7M $5M $7M $9M $9M
Diluted EPS $2.77 $1.80 $2.86 $3.35 $3.46

Institutional owners (13F) 44 filers · $52.3M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 44
Value held $52.3M
New positions 6
Exited positions 11
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
6 (-2 vs prior Q) 11 (+6 vs prior Q) 12 (-3 vs prior Q) 14 (+2 vs prior Q) -79K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
STILWELL VALUE LLC $17,675,919 410,019 33.77% Shares
ALLIANCEBERNSTEIN L.P. $9,431,744 215,780 18.02% Shares
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC $4,882,489 113,257 9.33% Shares
VANGUARD CAPITAL MANAGEMENT LLC $4,133,818 95,890 7.90% Shares
KENNEDY CAPITAL MANAGEMENT LLC $2,230,641 51,743 4.26% Shares
VANGUARD GROUP INC $2,060,078 47,217 3.94% Shares
BlackRock, Inc. $1,616,452 37,496 3.09% Shares
Pacific Sage Partners, LLC $1,560,194 36,191 2.98% Shares
Oppenheimer & Close, LLC $1,407,326 32,645 2.69% Shares
GEODE CAPITAL MANAGEMENT, LLC $1,022,875 23,720 1.95% Shares
DIMENSIONAL FUND ADVISORS LP $860,811 19,968 1.64% Shares
MILLENNIUM MANAGEMENT LLC $842,025 19,532 1.61% Shares
GOLDMAN SACHS GROUP INC $716,445 16,619 1.37% Shares
Financial Insights, Inc. $642,210 14,897 1.23% Shares
VANGUARD FIDUCIARY TRUST CO $453,819 10,527 0.87% Shares
UBS Group AG $434,161 10,071 0.83% Shares
Empowered Funds, LLC $278,060 6,450 0.53% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $278,060 6,450 0.53% Shares
RENAISSANCE TECHNOLOGIES LLC $258,660 6,000 0.49% Shares
STATE STREET CORP $242,494 5,625 0.46% Shares
MORGAN STANLEY $223,761 5,190 0.43% Shares
WELLINGTON MANAGEMENT GROUP LLP $222,836 5,169 0.43% Shares
NORTHERN TRUST CORP $204,686 4,748 0.39% Shares
Russell Investments Group, Ltd. $180,668 4,191 0.35% Shares
BARCLAYS PLC $129,157 2,996 0.25% Shares
NEW YORK STATE COMMON RETIREMENT FUND $94,842 2,200 0.18% Shares
BNP PARIBAS FINANCIAL MARKETS $81,090 1,881 0.15% Shares
RHUMBLINE ADVISERS $40,911 949 0.08% Shares
Vanguard Global Advisers, LLC $35,997 835 0.07% Shares
UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC $29,548 676 0.06% Shares
ROYAL BANK OF CANADA $17,000 403 0.03% Shares
FMR LLC $14,400 334 0.03% Shares
PNC Financial Services Group, Inc. $9,958 231 0.02% Shares
WELLS FARGO & COMPANY/MN $9,786 227 0.02% Shares
Tower Research Capital LLC (TRC) $6,725 156 0.01% Shares
Arax Advisory Partners $2,285 53 0.00% Shares
GAMMA Investing LLC $1,035 24 0.00% Shares
Physician Wealth Advisors, Inc. $518 12 0.00% Shares
Bogart Wealth, LLC $517 12 0.00% Shares
JPMORGAN CHASE & CO $345 8 0.00% Shares
NISA INVESTMENT ADVISORS, LLC $86 2 0.00% Shares
Transamerica Financial Advisors, LLC $86 2 0.00% Shares
ACADIAN ASSET MANAGEMENT LLC $31 750 0.00% Shares
Avion Wealth $0 12 0.00% Shares

Activists & 5%+ owners 2 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Stilwell Activist Fund, L.P., Stilwell Activist Investments, L.P., Stilwell Partners, L.P., Stilwell Value Partners VII, L.P., Stilwell Value LLC, Joseph Stilwell ×6 filings Feb. 15, 2024 · Initial filing Board campaign SEC
Stilwell Value Partners V, L.P., Stilwell Activist Fund, L.P., Stilwell Activist Investments, L.P., Stilwell Partners, L.P., Stilwell Value LLC, Joseph Stilwell ×4 filings July 2, 2015 · Initial filing Board campaign SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 19 insiders · 11 officers · 9 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Laura Lee Stewart Chief Executive Officer Sept. 30, 2026 S 8,100 0 3 $-119,448
Wes Ochs President and CFO Dec. 4, 2025 M 6,668 0 0 $0
Daphne Kelley EVP/Chief Financial Officer Feb. 24, 2021 S 1,470 0 0 $0
Matthew P Deines EVP / CFO Feb. 23, 2018 S 17,507 0 0 $0
Heidi Sexton Executive Vice President/COO Nov. 13, 2025 M 16,073 0 0 $0
Jennifer L Mallon SVP, Chief Accounting Officer Jan. 26, 2024 A 750 0 0 $0
Charles L Turner SVP, Chief Credit Officer Jan. 27, 2021 A 350 0 0 $0
Elliott Pierce EVP/Chief Credit Officer Jan. 31, 2020 A 3,842 0 0 $0
Christina Jane Gehrke EVP/Chief Admin Officer May 14, 2019 M 1,784 0 0 $0
Kelli Nielsen SVP / Retail & Marketing May 6, 2015 S 3,085 0 0 $0
Matthew F Moran EVP / Chief Credit Officer Aug. 14, 2014 S 12,534 0 0 $0
Debra Jones Director Aug. 18, 2026 G 16,075 0 0 $0
David S Haddad Jr Director Aug. 6, 2025 G 4,368 0 0 $0
Robert F Carney Director Jan. 6, 2025 M 7,796 0 0 $0
James E Sweeney Director Nov. 8, 2024 S 2,942 0 0 $0
Tyler K Myers Director Jan. 26, 2024 A 20,646 0 0 $0
Rogelio Riojas Director Jan. 26, 2024 A 7,427 0 0 $0
Kathleen B Cook Director Feb. 4, 2019 P 4,442 0 0 $0
Milton L Mcmullen Director Jan. 23, 2014 A 2,410 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 9 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.03% 7,571 SH Sept. 11, 2026 Daily
DFAT · Dimensional ETF Trust 0.00% 1,157 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 211 NS July 31, 2026 N-PORT
DFAC · Dimensional ETF Trust 0.00% 3,445 NS July 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 316 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 22,832 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 72,197 SH Aug. 19, 2026 Daily
DCOR · Dimensional ETF Trust 0.00% 7 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
SFBC $112M 15.8 9.1% 18.4% 6.7% ·
RVSB $113M -26.2 -14.8% -10.1% -2.8% ·
BSBK $109M 49.7 44.9% 12.1% 1.5% ·
PNBK $209M -10.7 4.2% -42.9% -15.8% ·
PROV $108M 16.7 2.7% 16.6% 5.2% ·

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 10, 2026