Sound Financial Bancorp Inc
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Let's analyse Sound Financial Bancorp Inc together

Penke I guess you are interested in Sound Financial Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Sound Financial Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Sound Financial Bancorp Inc (30 sec.)

What can you expect buying and holding a share of Sound Financial Bancorp Inc? (30 sec.)

How much money do you get?

$0.74

When do you have the money?

1 year

How often do you get paid?

100.0%

What is your share worth?

Current worth

$39.31

Expected worth in 1 year

$41.05

How sure are you?

100.0%

+ What do you gain per year?

Total Gains per Share

$2.48

Return On Investment

6.3%

For what price can you sell your share?

Current Price per Share

$39.15

Expected price per share

$39.00 - $40.06

How sure are you?

50%

1. Valuation of Sound Financial Bancorp Inc (5 min.)

Live pricePrice per Share (EOD)

$39.15

Book Value per Share

$39.31

Intrinsic Value Per Share

$-118.44 - $29.22

Total Value Per Share

$-79.14 - $68.53

My calculation of the intrinsic value of Sound Financial Bancorp Inc is based how much money is coming from the company's main activities (Free Cash Flow).

The following numbers are based on moving averages and per share and per quarter.
I use a 6% discount rate for the low estimation and 3% for the high estimation.
The current Free Cash Flow Per Share is 10Y: ($0.68) 3Y: ($1.10) TTM: ($0.57)
The change per quarter (trend) of the Free Cash Flow Per Share is 10Y: ($-0.01) 3Y: ($-0.25) TTM: ($-0.30)

Years	Total Low est.	Total High est.	Added Free Cash Flow
1	$0.25	$4.18	$-1.25 - $4.18
2	$-3.13	$8.04	$-5.23 - $3.98
3	$-9.74	$11.60	$-9.21 - $3.77
4	$-19.20	$14.88	$-13.19 - $3.57
5	$-31.15	$17.88	$-17.17 - $3.36
6	$-45.30	$20.62	$-21.14 - $3.16
7	$-61.36	$23.11	$-25.12 - $2.95
8	$-79.05	$25.37	$-29.10 - $2.75
9	$-98.15	$27.40	$-33.08 - $2.55
10	$-118.44	$29.22	$-37.06 - $2.34

2. Growth of Sound Financial Bancorp Inc (5 min.)

Is Sound Financial Bancorp Inc growing?

	Current year	Previous year	Grow	Grow %
How rich?	$100.6m	$94.8m	$4.9m	5.0%

How much money is Sound Financial Bancorp Inc making?

	Current year	Previous year	Grow	Grow %
Making money	$1.8m	$2.2m	-$341.5k	-18.4%
Net Profit Margin	17.3%	21.8%	-	-

How much money comes from the company's main activities?

Quarterly Yearly

3. Financial Health of Sound Financial Bancorp Inc (5 min.)

4. Comparing to competitors in the Banks - Regional industry (5 min.)

Industry Rankings (Banks - Regional)

What can you expect buying and holding a share of Sound Financial Bancorp Inc? (5 min.)

Welcome investor! Sound Financial Bancorp Inc's management wants to use your money to grow the business. In return you get a share of Sound Financial Bancorp Inc.

What can you expect buying and holding a share of Sound Financial Bancorp Inc?

First you should know what it really means to hold a share of Sound Financial Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of Sound Financial Bancorp Inc is $39.15. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

The fundamentals: the financial health trends of Sound Financial Bancorp Inc.
The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Sound Financial Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $39.31. Based on the TTM, the Book Value Change Per Share is $0.44 per quarter. Based on the YOY, the Book Value Change Per Share is $0.52 per quarter.
You may receive quarterly/yearly dividend in the form of additional shares.
You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.19 per quarter.

Based on historical numbers we can estimate the returns while holding a share of Sound Financial Bancorp Inc.

How much money are you going to get?

	MRQ		TTM		YOY		5Y		10Y
	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share
Usd Eps	0.47	1.2%	0.72	1.8%	0.84	2.2%	0.79	2.0%	0.65	1.7%
Usd Book Value Change Per Share	0.33	0.8%	0.44	1.1%	0.52	1.3%	0.57	1.5%	0.52	1.3%
Usd Dividend Per Share	0.19	0.5%	0.19	0.5%	0.19	0.5%	0.18	0.5%	0.13	0.3%
Usd Total Gains Per Share	0.52	1.3%	0.62	1.6%	0.72	1.8%	0.75	1.9%	0.66	1.7%
Usd Price Per Share	39.00	-	37.12	-	38.96	-	36.38	-	31.20	-
Price to Earnings Ratio	20.62	-	15.00	-	12.26	-	12.52	-	12.66	-
Price-to-Total Gains Ratio	74.60	-	63.66	-	91.19	-	58.38	-	65.63	-
Price to Book Ratio	0.99	-	0.96	-	1.07	-	1.07	-	1.11	-
Price-to-Total Gains Ratio	74.60	-	63.66	-	91.19	-	58.38	-	65.63	-

When do you get the money?

Usd Investment	$.00
Usd Price Per Share	39.1501
Number of shares	25

Gains per Quarter	Trailing 12 Months	5 Year
Usd Dividend Per Share	0.19	0.18
Usd Book Value Change Per Share	0.44	0.57
Usd Total Gains Per Share	0.62	0.75
Gains per Quarter (25 shares)	15.52	18.81
Gains per Year (25 shares)	62.08	75.23

Years	Return on Investment (TTM)			Return on Investment (5Y)
	Dividend	Book Value gain	Total gains	Dividend	Book Value gain	Total gains
Broker costs	-	-	-10	-	-	-10
1	19	44	52	18	57	65
2	37	87	114	37	114	140
3	56	131	176	55	171	215
4	74	174	238	73	228	290
5	93	218	300	91	285	365
6	111	261	362	110	342	440
7	130	305	424	128	399	515
8	148	348	486	146	456	590
9	167	392	548	164	513	665
10	185	436	610	183	570	740

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %

	Trailing 12 Months				3Y				5 Year				10 Year				ALLTIME
				%				%				%				%				%
Earnings Per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	41.0	0.0	0.0	100.0%	54.0	0.0	0.0	100.0%
Book Value Change Per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	40.0	0.0	1.0	97.6%	50.0	2.0	2.0	92.6%
Dividend per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	41.0	0.0	0.0	100.0%	45.0	0.0	9.0	83.3%
Total Gains per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	41.0	0.0	0.0	100.0%	51.0	2.0	1.0	94.4%

Fundamentals of Sound Financial Bancorp Inc

About Sound Financial Bancorp Inc

https://www.soundcb.com
Banks - Regional
128
2400 3rd Avenue, Seattle, WA, United States, 98121
Google Maps Bing Maps

Sound Financial Bancorp, Inc. operates as the bank holding company for Sound Community Bank that provides banking and other financial services for consumers and businesses. It accepts various deposits products comprising savings, money market deposit, NOW, and demand accounts, as well as certificates of deposit. The company also offers loans secured by first and second mortgages on one-to four-family residences; home equity loans, including fixed-rate loans and variable-rate lines of credit; commercial and multifamily real estate loans; construction loans secured by single-family residences, and commercial and multifamily real estate; land loans; commercial business loans to finance commercial vehicles and equipment, as well as loans secured by accounts receivable and/or inventory; and secured and unsecured consumer loans, such as new and used manufactured homes, floating homes, automobiles, boats, and recreational vehicle loans, and loans secured by deposit accounts. It operates branch offices in Seattle, Tacoma, Mountlake Terrace, Sequim, Port Angeles, Port Ludlow, and University Place; and loan production office in the Madison Park neighborhood of Seattle, Washington. The company was founded in 1953 and is headquartered in Seattle, Washington.

Fundamental data was last updated by Penke on 2024-04-12 18:05:05.

Financial Health

Profitability Details

	Compared to previous year	Compared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.

Operating Efficiency Details

	Compared to previous year	Compared to industry
The company is operating efficient.

Liquidity Details

	Compared to previous year	Compared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.

Solvency Details

	Compared to previous year	Compared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details

	Compared to previous year	Compared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Sound Financial Bancorp Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Measures how much net profit Sound Financial Bancorp Inc earns for each $1 of revenue.

Above 10% is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
A Net Profit Margin of 8.4% means that $0.08 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Sound Financial Bancorp Inc:

The MRQ is 8.4%. The company is making a profit. +1
The TTM is 17.3%. The company is making a huge profit. +2

Trends

Current period		Compared to		+/-
MRQ	8.4%	TTM	17.3%	-8.9%
TTM	17.3%	YOY	21.8%	-4.5%
TTM	17.3%	5Y	22.0%	-4.7%
5Y	22.0%	10Y	20.7%	+1.3%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	8.4%	18.4%	-10.0%
TTM	17.3%	28.0%	-10.7%
YOY	21.8%	25.2%	-3.4%
5Y	22.0%	22.8%	-0.8%
10Y	20.7%	19.8%	+0.9%

Measures how much net profit Sound Financial Bancorp Inc earns for each $1 of revenue.

Revenue is the amount of profit Sound Financial Bancorp Inc generates before taxes and all other costs. For example, when you buy a cup of coffee it will cost you $3. The company does not earn $3 in profit but also has to pay various costs and taxes to create that cup of coffee. Let's assume the cost of creating a cup of coffee is $1.5.

The $3 you pay for a cup of coffee is called revenue.
The $1.5 that’s left over when all costs to create that cup of coffee (including taxes) are deduced from the revenue is called net profit.

The net profit margin looks at how much net profit Sound Financial Bancorp Inc earns for each $1 in revenue.

How to use net profit margin

Higher profit margin is better (more profit).
Above 10% is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
Can be used to compare companies within the Banks - Regional industry.

You typically want a high profit margin. This means that for each $1 in sales, Sound Financial Bancorp Inc makes more profit. This shows the investor how efficiently Sound Financial Bancorp Inc is operating in general and compared to other companies in the same industry. Sound Financial Bancorp Inc operates in the Banks - Regional industry.

Why do investors use net profit margin in their analysis

It helps investors to determine the efficiency of Sound Financial Bancorp Inc. If profit margins remain low (compared to the Banks - Regional industry mean) and there are no improvements to make in production costs or other areas that might be a warning sign. If profit margins are high that means the company has low overhead costs and is efficiently using its resources to generate profit.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Net Profit Margin of Sound Financial Bancorp Inc is 0.08. This means that Sound Financial Bancorp Inc earned $0.08 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Net Profit Margin of the Banks - Regional industry is 18.4%.
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare Sound Financial Bancorp Inc with other companies in the same industry (Banks - Regional).
Net profit margin should rise over the years.
Can be influenced when Sound Financial Bancorp Inc sells assets (profit will increase while costs remain the same).
It won’t show what part of Sound Financial Bancorp Inc is doing great or needs improvement (it only looks at total revenue and total net income).

How to calculate net profit margin

Net profit margin = net income / total revenue * 100%

Real example of Sound Financial Bancorp Inc

You need the following data to determine net profit margin:

Income statement from the period you want to calculate (for example, MRQ or TTM).

Net income MRQ Sound Financial Bancorp Inc = 1,211
Total revenue MRQ Sound Financial Bancorp Inc = 14,403
$1,211 / $14,403 = 0.08 or 8.4%

Higher is better

The higher the net profit margin, the more efficient the company is generating income. This helps investors to determine how the company is managing money. The net profit margin is an important indicator when diving into the financial health of a company. Overall, you want to see the net profit margin rising over the years. That means the company improved their production and made it more efficient (if possible).

You can use the net profit margin to compare companies within the same industry. If there are two companies where one is much bigger but the smaller one has a higher net profit margin, that means the smaller company is more efficiently using operational costs.

Important: Profit margins can be very different between industries. Companies with assembly lines or transports are much more prone to see shifting in prices for fuel, ingredients and maintenance compared to companies that only provide services. You should never compare net profit margin between different industries.

1.1.2. Return on Assets

Shows how efficient Sound Financial Bancorp Inc is using its assets to generate profit.

Above 5% is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
0.1% Return on Assets means that Sound Financial Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Sound Financial Bancorp Inc:

The MRQ is 0.1%. Using its assets, the company is inefficient in making profit. -1
The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	0.1%	TTM	0.2%	-0.1%
TTM	0.2%	YOY	0.2%	0.0%
TTM	0.2%	5Y	0.2%	0.0%
5Y	0.2%	10Y	0.2%	0.0%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	0.1%	0.1%	+0.0%
TTM	0.2%	0.2%	0.0%
YOY	0.2%	0.2%	+0.0%
5Y	0.2%	0.2%	+0.0%
10Y	0.2%	0.2%	+0.0%

Shows how efficient Sound Financial Bancorp Inc is using its assets to generate profit.

For a farm, a tractor is considered an asset. The tractor helps ploughing the land making it possible to plant and harvest crops. But the tractor might be old and needing maintenance all the time reducing its efficiency. Return on assets indicates how effectively the farm is using the tractor (and other assets that help the core business) to plough the land.

How to use return on assets

Higher is better.
Above 5% is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on assets in their analysis

Shows the investor how effectively Sound Financial Bancorp Inc is using its resources to generate profit. If the return on assets (0.1%) from Sound Financial Bancorp Inc are higher than the Banks - Regional mean (0.1%) that means Sound Financial Bancorp Inc is using its resources better than their competitors. If not, that means their competitors are more efficient in using their resources to generate profit.

An investor should always look at:

What is the current return on assets?
The current most recent quarter (MRQ) Return on Assets of Sound Financial Bancorp Inc is 0.1%. This means the company generated $0.00 for each $1 in assets.
How does it compare to the industry?
The mean MRQ Return on Assets of the Banks - Regional industry is 0.1%.
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
If a company has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

How to calculate return on assets

Return on assets = net income / total assets * 100%

Real example Sound Financial Bancorp Inc

You need the following data to determine return on assets (ROA):

Income statement
Balance sheet

Net income MRQ (income statement) from Sound Financial Bancorp Inc = 1,211
Total assets MRQ (balance sheet) from Sound Financial Bancorp Inc = 995,221
1,211 / 995,221 = 0.00 or 0.1%

ROA is an important ratio as it will tell you how effectively Sound Financial Bancorp Inc is using its resources to generate profits. Example:

Bob and Kristin both sell ice cream in the summer. They both have an ice cream truck. The truck Bob owes cost him $20.000 and the truck Kristin owes cost her $1500. Over the summer, Bob earned $2000 and Kristin earned $200. To calculate the return on assets:

Bob: $2000 / $20.000 * 100% = 10%
Kristin: $200 / $1500 * 100% = 13.3%

This tells you Bob’s company is more valuable but Kristin's company is more efficient. Be aware that total assets can change over time. A transportation business will buy and sell trucks or planes all the time. Before using return on assets as a guideline, you have to know what the exact assets are. For a company that has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

1.1.3. Return on Equity

Shows how efficient Sound Financial Bancorp Inc is using its investors money to generate profit.

Above 15%-20% is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
1.2% Return on Equity means Sound Financial Bancorp Inc generated $0.01 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Sound Financial Bancorp Inc:

The MRQ is 1.2%. Using its investors money, the company is inefficient in making profit. -1
The TTM is 1.9%. Using its investors money, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	1.2%	TTM	1.9%	-0.7%
TTM	1.9%	YOY	2.3%	-0.4%
TTM	1.9%	5Y	2.3%	-0.5%
5Y	2.3%	10Y	2.3%	+0.0%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	1.2%	1.4%	-0.2%
TTM	1.9%	2.5%	-0.6%
YOY	2.3%	2.7%	-0.4%
5Y	2.3%	2.5%	-0.2%
10Y	2.3%	2.8%	-0.5%

Shows how efficient Sound Financial Bancorp Inc is using its investors money to generate profit.

A publicly traded company (any company that issues shares to the public) is owned by its shareholders. Return on equity calculates the amount of profit for every $1 the shareholders invested.

How to use return on equity

Higher is better.
Above 15%-20% is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on equity in their analysis

To find out the owners/management's attitude toward their company. You typically want the owners/management to invest in the company and focus on generating profit. If not enough profit is generated (compared to the Banks - Regional industry mean), the company might not be investing their money efficiently.

The three steps every investor should look at:

What is the current return on equity?
The current most recent quarter (MRQ) Return on Equity of Sound Financial Bancorp Inc is 1.2%. This means Sound Financial Bancorp Inc generated $0.01 for each $1 the owners (shareholders) invested.
How does it compare to the industry?
The mean MRQ Return on Equity of the Banks - Regional industry is 1.4%.
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if Sound Financial Bancorp Inc existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Does not include intangible assets (non physical assets like licences, computer software, etc.).
Stockholders equity and shareholders equity refer to the same thing.
Liabilities should not be more than three times return on equity.

How to calculate return on equity

Return on equity = net profit / shareholders equity * 100%

Real example of Sound Financial Bancorp Inc

You need the following data to determine ROE:

Income statement
Balance sheet
Net profit MRQ (income statement) Sound Financial Bancorp Inc = 1,211
Shareholders equity (balance sheet) MRQ Sound Financial Bancorp Inc = 100,654
1,211 / 100,654 = 0.01 or 1.2%

A negative shareholder equity is a warning sign. It means the company has more liabilities than assets. It might also mean that the owners did not invest enough money or they are taking money out of the business.

1.2. Operating Efficiency of Sound Financial Bancorp Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Measures how efficient Sound Financial Bancorp Inc is operating .

Measures how much profit Sound Financial Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
Above 15% is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
An Operating Margin of 0.0% means the company generated $0.00 for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Sound Financial Bancorp Inc:

The MRQ is 0.0%. The data is not here.

Trends

Current period		Compared to		+/-
MRQ	-	TTM	22.4%	-22.4%
TTM	22.4%	YOY	36.4%	-14.1%
TTM	22.4%	5Y	40.6%	-18.3%
5Y	40.6%	10Y	40.4%	+0.2%

Measures how efficient Sound Financial Bancorp Inc is operating .

The more effecient a company creates products or provides services, the more profit it generates.

How to use operating margin

Higher is better
Above 15% is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries
Can be used to compare companies

Why do investors use operating margin in their analysis

To determine how much profit Sound Financial Bancorp Inc is making from it’s core business.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Operating Margin of Sound Financial Bancorp Inc is 0.0%. This means that Sound Financial Bancorp Inc earned $0.00 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Margin of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Can be calculated in different ways

How to calculate operating margin

Operating margin = operating earnings / total revenue

Real example of Sound Financial Bancorp Inc

You need the following data to determine operating margin:

Income statement
Operating earnings MRQ Sound Financial Bancorp Inc = 11,357
Total revenue MRQ Sound Financial Bancorp Inc = 14,403
$11,357 / $14,403 = 0.00 or 0.0%

Operating margin is used to calculate how much profit a company makes after variable costs of production but before paying interest and taxes. Some variable costs examples are wages, raw materials, packaging, and transaction fees. The amount of variable costs is different for each company and industry. In general, a higher operating margin is better as this implicates that a company is running efficiently.

For investors, a higher operating margin is a good sign. Although you should always look at operating margin in the long term. If operating margin is fluctuating over the years this might be a sign that things are not running efficiently enough. It’s a way to check how much profit a company is making from its core business.

Operation earnings can be calculated in multiple ways:

Operation earnings = EBIT - non operating income + non operating expense
Operation earnings = Gross profit - operating expense - depreciation and amortisation
Operation earnings = Total revenue - COGS (costs of goods sold) - indirect costs

1.2.2. Operating Ratio

Measures how efficient Sound Financial Bancorp Inc is keeping operating costs low.

Below 1 is considered healthy (always compare to Banks - Regional industry mean).
An Operation Ratio of 0.21 means that the operating costs are $0.21 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Sound Financial Bancorp Inc:

The MRQ is 0.211. The company is very efficient in keeping operating costs low. +2
The TTM is -0.453.

Trends

Current period		Compared to		+/-
MRQ	0.211	TTM	-0.453	+0.664
TTM	-0.453	YOY	-0.955	+0.503
TTM	-0.453	5Y	-0.606	+0.153
5Y	-0.606	10Y	-0.359	-0.246

Measures how efficient Sound Financial Bancorp Inc is keeping operating costs low.

If the operating ratio is below 1 that means the company is making money. The lower the operating ratio, the more efficient the company.

How to use operating ratio

Lower is better.
Below 1 is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use operating ratio in their analysis

Shows if costs of creating products and or services is increasing or decreasing. The lower the operating ratio, the more efficient the company is creating products and services.

The three steps every investor should look at:

What is the current Operatin ratio?
The current most recent quarter (MRQ) Operating Ratio of Sound Financial Bancorp Inc is 21.1%. This means that Sound Financial Bancorp Inc earned $0.21 for each $1 in net sales in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
You need COGS to calculate operating ratio which is not always shown in the income statement.
Does not consider debt.

How to calculate operating ratio

Operating ratio = Operating expenses + COGS \ Net sales

Real life example Sound Financial Bancorp Inc

You need the following data to determine operating ratio:

Income statement

COGS is not always specified on the income statement. If so you can use the following calculation:

(cost of revenue + total operating expenses) \ total revenue
(0 +3,046) \ 14,403 = 0.21

The operating ratio measures the efficiency of a company at keeping low costs while generating profits from sales. It compares the total operating expenses to the net amount of sales. The total operating expenses exists of:

COGS (materials, labour, rent of facility, repairs)
Operating expenses (legal fees, marketing, wages, rent, maintenance/repairs)

Operating expenses are all the costs the company makes that are not directly tied to the production of the service or product. Where COGS are costs that are directly tied to the production of a product or service.

Do note that COGS is not always available in the income statement. Some companies include COGS in the operating expenses while others list COGS separately. To make it even more confusing, COGS is also known as “costs of sales” and costs of sales is the same as costs of revenue.

The operating ratio tells you how efficient the company is creating its products or services while keeping prices low. In this case, a lower ratio is better. Higher or rising operating ratios might tell you that costs are rising while sales are not improving or staying the same.

1.3. Liquidity of Sound Financial Bancorp Inc.

1.3. Liquidity

1.3.1. Current Ratio

Measures if Sound Financial Bancorp Inc is able to pay off Short-term Debt.

Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
A Current Ratio of 0.08 means the company has $0.08 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Sound Financial Bancorp Inc:

The MRQ is 0.075. The company is unable to pay all its short-term debts. -2
The TTM is 153.890. The company is very able to pay all its short-term debts. +2

Trends

Current period		Compared to		+/-
MRQ	0.075	TTM	153.890	-153.815
TTM	153.890	YOY	1,589.682	-1,435.792
TTM	153.890	5Y	455.851	-301.961
5Y	455.851	10Y	955.841	-499.990

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
TTM	153.890	0.124	+153.766
YOY	1,589.682	0.225	+1,589.457
5Y	455.851	0.219	+455.632
10Y	955.841	0.131	+955.710

Measures if Sound Financial Bancorp Inc is able to pay off Short-term Debt.

How to use current ratio

Higher is better
Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
Can be very different between industries
Can be used to compare companies

Why do investors use current ratio in their analysis

Shows if the company can pay of short term debts if needed. A company that can't pay off it's short term debts might get in trouble if they have to pay off their short term debts for whatever reason. For example, markets can change due to global events like covid-19 or the war in Ukraine versus Russia. Because debts are always taken based on future income, it might become troublesome for Sound Financial Bancorp Inc if something happens in the market that will cause sales to plummet.

The three steps every investor should look at:

What is the current current Ratio?
The current most recent quarter (MRQ) Current Ratio of Sound Financial Bancorp Inc is 0.08. This means Sound Financial Bancorp Inc has $0.08 in assets for each $1 in short-term debts.
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Might be deluded.
Not all assets can always be quickly sold.
Can be manipulated by increasing or decreasing the assets and/or liabilities.

How to calculate current ratio

Current ratio = current assets \ current liabilities

Real life example Sound Financial Bancorp Inc

You need the following data to determine operating ratio:

Balance sheet
Current ratio = current assets \ current liabilities
53,717 \ 715,494) = 0.08

The current ratio measures if Sound Financial Bancorp Inc is able to pay short-term debts (obligations). Short term in this context means all debt obligations that are about to expire within one year. The current ratio incorporates current liabilities and current assets. Current assets are all the assets a company has that are expected to be consumed or sold within standard business operations. You can find the current assets in the balance sheet. They consist of:

Inventory
Accounts receivable
Marketable securities
Prepaid expenses
Cash
Cash equivalents
liquid assets

The current liabilities are short term obligations that are due within one year. These consist of:

Short term debts
Dividends
Income taxes
Short-term debts
Accounts payable
Interest payments

The result shows an investor if Sound Financial Bancorp Inc is able to pay all its short-term debts if they were due all at once. When the result of the above formula is below 1, then Sound Financial Bancorp Inc does not have enough capital after selling all its assets to pay all short-term debts. If the ratio drops far below 1 that might indicate Sound Financial Bancorp Inc is or will be in financial trouble anytime soon.

Although this gives an investor some clues, the current ratio may also be deluded. Because owning assets does not mean the company can easily sell them. Also, Accounts receivable may be quite old (they will probably never pay) which deludes the current ratio. As with all ratios, you should only compare them between the same industries and companies.

1.3.2. Quick Ratio

Measures if Sound Financial Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

Above 1 is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
A Quick Ratio of -0.05 means the company can pay off $-0.05 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Sound Financial Bancorp Inc:

The MRQ is -0.053. The company is unable to pay all its short-term debts with the most liquid assets. -2
The TTM is 166.227. The company is very able to pay all its short-term debts with the most liquid assets. +2

Trends

Current period		Compared to		+/-
MRQ	-0.053	TTM	166.227	-166.280
TTM	166.227	YOY	1,681.643	-1,515.416
TTM	166.227	5Y	432.048	-265.821
5Y	432.048	10Y	291.919	+140.129

Measures if Sound Financial Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

How to use quick ratio

Higher is better.
Above 1 is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use quick ratio in their analysis

Shows how fast Sound Financial Bancorp Inc can pay off its short term debts. This shows if Sound Financial Bancorp Inc can survive emergencies due to market changes or other reasons.

The three steps every investor should look at:

What is the current Quick Ratio?
The current most recent quarter (MRQ) quickRatio of Sound Financial Bancorp Inc is -0.05. This means that Sound Financial Bancorp Inc can pay off $-0.05 for each $1 in debt (using most liquid assets).
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Incorporates only most liquid assets.

How to calculate quick ratio

Quick ratio = cash and equivalents + marketable securities + accounts receivable / current liabilities

Real life example Sound Financial Bancorp Inc

You need the following data to determine operating ratio:

Balance sheet
Quick ratio = cash and short-term investments + short-term investments + netReceivables / total current liabilities
MRQ quick ratio Sound Financial Bancorp Inc: (-49,690 + 8,287 +3,452) / 715,494 = -0.05

The quick ratio measures the same thing as the current ratio, only it uses the most liquid assets a company has. Meaning, the assets that can be sold for cash the easiest and fastest.

As the quick ratio only incorporates the most liquid assets, you should also check the current ratio which also includes less liquid assets. But they may be harder to sell.

1.4. Solvency of Sound Financial Bancorp Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Measures how much % of Sound Financial Bancorp Inc assets are financed with debt.

Below 1 (100%) is considered healthy but always compare Sound Financial Bancorp Inc to Banks - Regional industry mean.
A Debt to Asset Ratio of 0.90 means that Sound Financial Bancorp Inc assets are financed with 89.9% credit (debt) and the remaining percentage (100% - 89.9%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of Sound Financial Bancorp Inc:

The MRQ is 0.899. The company is just able to pay all its debts by selling its assets.
The TTM is 0.901. The company is just able to pay all its debts by selling its assets.

Trends

Current period		Compared to		+/-
MRQ	0.899	TTM	0.901	-0.002
TTM	0.901	YOY	0.902	0.000
TTM	0.901	5Y	0.900	+0.001
5Y	0.900	10Y	0.899	+0.001

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	0.899	0.915	-0.016
TTM	0.901	0.917	-0.016
YOY	0.902	0.919	-0.017
5Y	0.900	0.919	-0.019
10Y	0.899	0.927	-0.028

Measures how much % of Sound Financial Bancorp Inc assets are financed with debt.

When there are more debts than assets, that means creditors have a larger stake Sound Financial Bancorp Inc than its shareholders.

How to use debt to asset ratio

Lower is better.
below 1 (100%) is considered healthy but always compare Sound Financial Bancorp Inc to Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to asset ratio in their analysis

It shows how much debt the company used to finance its assets. If a company is almost entirely financed with debt that means the company might get into serious trouble when emergencies arise like a raise in interest.

The three steps every investor should look at:

What is the current debt to asset ratio?
The current most recent quarter (MRQ) Debt to Asset Ratio of Sound Financial Bancorp Inc is 0.90. This means means that Sound Financial Bancorp Inc is financed with 89.9% credit and the remaining percentage is financed by it's owners (shareholders).
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Some companies can have higher debt to assets ratio's (for example, banks).
Debt to asset ratio should improve over the years.
If the debt to asset ratio is above 1, look at the industry mean and find out why Sound Financial Bancorp Inc has so much debt.

How to calculate debt to asset ratio

Debt to asset ratio = total debt \ total assets

Real life example Sound Financial Bancorp Inc

You need the following data to determine debt to asset ratio:

Balance sheet
Debt to asset ratio = total debt \ total assets
894,567 \ 995,221 = 89.9% or 0.90.

The debt to total assets ratio shows if the company is owned by creditors or shareholders. Or in other words, the total debt in relation to the total amount of assets. It shows how much debt the company used to finance its assets.

1.4.2. Debt to Equity Ratio

Measures if Sound Financial Bancorp Inc is able to pay off its debts by using shareholders equity.

Below 2 is considered healthy but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
A Debt to Equity ratio of 888.8% means that company has $8.89 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Sound Financial Bancorp Inc:

The MRQ is 8.888. The company is unable to pay all its debts with equity. -1
The TTM is 9.116. The company is unable to pay all its debts with equity. -1

Trends

Current period		Compared to		+/-
MRQ	8.888	TTM	9.116	-0.229
TTM	9.116	YOY	9.156	-0.039
TTM	9.116	5Y	9.019	+0.097
5Y	9.019	10Y	8.868	+0.151

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	8.888	10.829	-1.941
TTM	9.116	11.013	-1.897
YOY	9.156	11.363	-2.207
5Y	9.019	11.437	-2.418
10Y	8.868	13.038	-4.170

Measures if Sound Financial Bancorp Inc is able to pay off its debts by using shareholders equity.

How to use debt to equity ratio

Lower is better.
Below 2 is considered healthy (always use industry average).
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to shareholders equity ratio in their analysis

It shows how much debt the company uses to finance their operations. Shareholders equity is whats left over when you subtract total liabilities from total assets. It's another way to meassure how much of Sound Financial Bancorp Inc is financed with debt or own resources.

The three steps every investor should look at:

What is the current debt to equity ratio?
The current most recent quarter (MRQ) quickRatio of Sound Financial Bancorp Inc is 8.89. This means that Sound Financial Bancorp Inc can pay off $8.89 for each $1 in debt.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 10.83.
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Not all debt is equally risky (for example, short term risk is less risky).

How to calculate debt to equity ratio

Debt to equity ratio = total debt \ shareholders equity.

Real life example Sound Financial Bancorp Inc

You need the following data to determine equity ratio:

Balance sheet
Debt to equity ratio = total debt \ shareholders equity
894,567 \ 100,654 = 8.89 or 888.8%

Debt to equity measures the total debt versus the total shareholders equity. While the total debts to total assets ratio uses total assets, the debt to equity ratio looks at the total equity of shareholders. Where equity of shareholders are:

Common shares.
Preferred shares.
Retained earnings.

You can find the shareholders' equity in the balance sheet. A ratio between 0,5 and 1,5 is preferred. If the ratio is above 1.5, that would indicate creditors have significantly more stake (debt) in the company than the shareholders. In other words, the company is using a lot of debt to finance their operations.

Not all debt is equally risky. Meaning you can adjust the ratio by including or excluding certain amounts of debt. Short term debts are less risky because they have to be paid back within one year anyway. It’s much easier to plan one year ahead versus five or ten years.

2. Market Valuation of Sound Financial Bancorp Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Sound Financial Bancorp Inc generates.

Above 15 is considered overpriced but always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
A PE ratio of 20.62 means the investor is paying $20.62 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Sound Financial Bancorp Inc:

The EOD is 20.696. Based on the earnings, the company is fair priced.
The MRQ is 20.616. Based on the earnings, the company is fair priced.
The TTM is 15.004. Based on the earnings, the company is fair priced.

Trends

Current period		Compared to		+/-
EOD	20.696	MRQ	20.616	+0.079
MRQ	20.616	TTM	15.004	+5.613
TTM	15.004	YOY	12.262	+2.742
TTM	15.004	5Y	12.524	+2.480
5Y	12.524	10Y	12.659	-0.135

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	20.696	7.548	+13.148
MRQ	20.616	6.680	+13.936
TTM	15.004	5.295	+9.709
YOY	12.262	6.943	+5.319
5Y	12.524	9.770	+2.754
10Y	12.659	9.943	+2.716

Measures how much money you pay for each share for every $1 in earnings Sound Financial Bancorp Inc generates.

Indicates if the company’s shares are under or overvalued.

How to use PE ratio

Above 15 is considered overpriced but is hard to determine. Always compare Sound Financial Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use PE ratio in their analysis

The PE ratio tells investors the current sentiment in the market for that company. As with every stock, the stock price never shows the real valuation of a company but rather how the market thinks how much the stock is worth.

In other words, the current stock price also incorporates any future earnings or business opportunities in the future. The best example is the stock market crash in 2000. The PE ratio for any internet based company was going through the roof. Only based on the general assumption the internet and all associated businesses would thrive in the future. But this was based on nothing. A business still needs a good product or service to be able to survive. Instead, every investor bought any stock which did something related to the internet. Result: huge market crash.

Many investors were willing to pay premium prices and that was causing the PE ratio to rise. A high PE ratio is a warning sign that investors might be overvaluing a stock based on future earnings.

The three steps every investor should look at:

What is the current PE Ratio?
The current most recent quarter (MRQ) PE Ratio of Sound Financial Bancorp Inc is 20.62. This means the investor is paying $20.62 for every $1 in earnings.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 6.68.
What is the trend?
The trend is important because it shows you how Sound Financial Bancorp Inc is performing over time. The most recent quarter might be important if Sound Financial Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Sound Financial Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Some industries might have very high or very low PE ratios in general.
PE ratios can be high for several years, it does not mean a sudden collapse is imminent.
Earnings growth is not included in the PE ratio.

How to calculate PE ratio

PE ratio = market value per share \ earnings per share

Real life example Sound Financial Bancorp Inc

You need the following data to determine the PE ratio:

Balance sheet
Income statement

The PE ratio is a very commonly used ratio to determine the value of a company by comparing the current stock price relative to its earnings per share (EPS). Before we can calculate the PE ratio we need to know the EPS. EPS is calculated as follows:

EPS = (net profit - preferred dividends) \ end of period outstanding shares*
Net profit = revenue - expenses
0 \ 2,561 = EPS
PE ratio MRQ = 20.62

* The net profit minus preferred dividends can be found in the incomestatement as netIncomeApplicableToCommonShares.

The PE value helps investors to determine if the current stock price is under or overvalued. It also projects future growth.

In general, a higher PE ratio means that investors predict higher future growth. If the PE ratio is too high, then investors expect way too much future growth the company can never fulfil. This is most likely to happen in faster moving companies like tech companies or automobile companies like Tesla. These are hot and booming markets where investors expect much future growth driven by new technology (electric cars). When looking at the current MRQ (most recent quarter) PE ratio of Tesla ( jan. 2021) it's about 247 while the average in the industry is only 6. That might be a clue that Tesla is trading for way too high prices compared to their current assets and is more based on future growth.

2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Sound Financial Bancorp Inc:

The EOD is 18.929. Based on how much money comes from the company's main activities, the company is underpriced. +1
The MRQ is 18.857. Based on how much money comes from the company's main activities, the company is underpriced. +1
The TTM is -10.074. Based on how much money comes from the company's main activities, the company is expensive. -2

Trends

Current period		Compared to		+/-
EOD	18.929	MRQ	18.857	+0.073
MRQ	18.857	TTM	-10.074	+28.930
TTM	-10.074	YOY	-50.589	+40.516
TTM	-10.074	5Y	-9.378	-0.696
5Y	-9.378	10Y	3.191	-12.569

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	18.929	-2.110	+21.039
MRQ	18.857	-1.868	+20.725
TTM	-10.074	-0.342	-9.732
YOY	-50.589	6.448	-57.037
5Y	-9.378	0.429	-9.807
10Y	3.191	0.091	+3.100

2. Book Value per Share

2.3. Price to Book Ratio

Measures if the stock price of Sound Financial Bancorp Inc is to cheap or to expensive compared to its book value.

At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
A PB ratio of 0.99 means the investor is paying $0.99 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Sound Financial Bancorp Inc:

The EOD is 0.996. Based on the equity, the company is cheap. +2
The MRQ is 0.992. Based on the equity, the company is cheap. +2
The TTM is 0.960. Based on the equity, the company is cheap. +2

Trends

Current period		Compared to		+/-
EOD	0.996	MRQ	0.992	+0.004
MRQ	0.992	TTM	0.960	+0.032
TTM	0.960	YOY	1.073	-0.113
TTM	0.960	5Y	1.071	-0.111
5Y	1.071	10Y	1.110	-0.039

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	0.996	0.436	+0.560
MRQ	0.992	0.386	+0.606
TTM	0.960	0.470	+0.490
YOY	1.073	0.642	+0.431
5Y	1.071	0.795	+0.276
10Y	1.110	1.025	+0.085

2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Sound Financial Bancorp Inc.

3.1. Institutions holding Sound Financial Bancorp Inc

Institutions are holding 42.533% of the shares of Sound Financial Bancorp Inc.

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2023-12-31	Stilwell Value LLC	16.0027	8.309	407978	28845	7.6081
2023-09-30	FJ Capital Management LLC	7.9851	0.8517	203574	0	0
2023-12-31	AllianceBernstein L.P.	5.5264	0.0021	140892	7016	5.2407
2023-12-31	M3F, Inc.	3.8374	1.2113	97831	-37042	-27.4644
2023-12-31	Oppenheimer & Close Inc	1.4099	1.2782	35945	0	0
2023-12-31	Vanguard Group Inc	1.0765	0	27445	1369	5.25
2023-12-31	BlackRock Inc	1.0279	0	26205	258	0.9943
2023-12-31	Bridgeway Capital Management, LLC	0.8545	0.0182	21785	960	4.6098
2023-12-31	Geode Capital Management, LLC	0.8211	0.0001	20934	0	0
2023-12-31	Financial Insights Inc	0.702	0.2183	17897	12155	211.6858
2023-12-31	Dimensional Fund Advisors, Inc.	0.603	0.0002	15373	538	3.6266
2023-12-31	Greenwich Investment Management Inc	0.5221	0.3896	13310	-1012	-7.0661
2023-12-31	Empowered Funds, LLC	0.4623	0.0115	11785	960	8.8684
2023-12-31	Beese Fulmer Investment Management Inc	0.4346	0.0448	11080	0	0
2023-12-31	Pinnacle Holdings, LLC	0.3114	0.1274	7940	0	0
2023-12-31	GRAHAM CAPITAL WEALTH MANAGEMENT, LLC	0.2511	0.6583	6402	6402	0
2023-12-31	Wellington Management Company LLP	0.2304	0	5874	0	0
2023-12-31	Northern Trust Corp	0.2221	0	5663	5663	0
2023-12-31	Pacific Sage Partners LLC	0.2107	0.0574	5371	5371	0
2023-12-31	Wells Fargo & Co	0.0399	0	1018	1	0.0983
Total		42.5311	13.1781	1084302	+31484	+2.9%

3.2. Funds holding Sound Financial Bancorp Inc

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2024-02-29	Vanguard Institutional Extnd Mkt Idx Tr	1.04	0.001	26610	0	0
2024-03-28	iShares Core S&P Total US Stock Mkt ETF	0.637	0.0012	16299	-14	-0.0858
2024-03-28	EA Bridgeway Omni Small-Cap Value ETF	0.4948	0.0413	12660	0	0
2024-02-29	Fidelity Extended Market Index	0.447	0.0012	11437	-55	-0.4786
2023-12-31	Bridgeway Omni Small-Cap Value N	0.3908	0.0304	10000	0	0
2023-12-31	Bridgeway Omni Small-Cap Value	0.3908	0.0304	10000	0	0
2024-02-29	DFA US Core Equity 2 I	0.2188	0.0007	5599	0	0
2024-03-28	iShares Micro-Cap ETF	0.1853	0.0207	4741	0	0
2023-09-30	BlackRock Extended Mkt Composite	0.1759	0.0012	4501	0	0
2024-03-31	BlackRock Extended Equity Market K	0.1535	0.0011	3928	1	0.0255
2024-02-29	Fidelity Total Market Index	0.1329	0.0002	3400	0	0
2024-02-29	DFA US Core Equity 1 I	0.1281	0.0004	3278	0	0
2024-02-29	Fidelity Series Total Market Index	0.1203	0.0002	3078	0	0
2024-03-29	Dimensional US Core Equity 2 ETF	0.1197	0.0005	3063	0	0
2023-12-31	Northern Trust Extended Eq Market Idx	0.0752	0.0013	1924	0	0
2023-12-31	NT Ext Equity Mkt Idx Fd - L	0.0752	0.0013	1924	0	0
2024-02-29	DFA US Vector Equity I	0.0704	0.0015	1802	0	0
2024-02-29	Fidelity Nasdaq Composite Index	0.0465	0.0003	1189	0	0
2024-02-29	Spartan Total Market Index Pool E	0.0443	0.0002	1133	0	0
2023-12-31	NT Ext Equity Mkt Idx Fd - NL	0.0327	0.0005	836	0	0
Total		4.9792	0.1356	127402	-68	-0.1%

3.3. Insider Transactions

Insiders are holding 16.845% of the shares of Sound Financial Bancorp Inc.

Date	Owner	Type	Amount	Price
2024-01-02	Joseph Stilwell	BUY	238	39
2023-12-27	Joseph Stilwell	BUY	873	38.5
2023-12-13	Joseph Stilwell	BUY	7	37
2023-12-06	Joseph Stilwell	BUY	200	36.15
2023-12-01	Joseph Stilwell	BUY	582	36
2023-11-29	Joseph Stilwell	BUY	1563	36
2023-11-27	Joseph Stilwell	BUY	200	36.23
2023-11-21	Joseph Stilwell	BUY	549	36.35
2023-11-13	Joseph Stilwell	BUY	200	36.36
2023-11-13	Robert F Carney	SELL	516	35.84
2023-11-08	James E Sweeney	SELL	2500	35.96
2023-11-07	Joseph Stilwell	BUY	96	36.25
2023-11-06	Robert F Carney	SELL	484	36.75
2023-11-03	Joseph Stilwell	BUY	200	36.84
2023-10-31	Joseph Stilwell	BUY	2500	36.82
2023-10-27	Joseph Stilwell	BUY	4470	35.78
2023-10-25	Joseph Stilwell	BUY	2502	36.5
2023-10-11	Joseph Stilwell	BUY	200	36.89
2023-10-05	Joseph Stilwell	BUY	152	36.75
2023-10-02	Joseph Stilwell	BUY	184	36.75

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Sound Financial Bancorp Inc compared to the Most Recent Quarter (MRQ).

	End of day	+/-	Most Recent Quarter	Trailing 12 Months	+/-	Year-Over-Year	+/-	5 Year	+/-	10 Year	+/-
Book Value Change Per Share	-	-	0.332	0.436	-24%	0.523	-36%	0.570	-42%	0.522	-36%
Book Value Per Share	-	-	39.308	38.678	+2%	36.311	+8%	34.045	+15%	28.126	+40%
Current Ratio	-	-	0.075	153.890	-100%	1589.682	-100%	455.851	-100%	955.841	-100%
Debt To Asset Ratio	-	-	0.899	0.901	0%	0.902	0%	0.900	0%	0.899	+0%
Debt To Equity Ratio	-	-	8.888	9.116	-3%	9.156	-3%	9.019	-1%	8.868	+0%
Dividend Per Share	-	-	0.191	0.185	+3%	0.194	-2%	0.183	+4%	0.135	+41%
Eps	-	-	0.473	0.719	-34%	0.843	-44%	0.789	-40%	0.648	-27%
Free Cash Flow Per Share	-	-	0.517	0.568	-9%	0.923	-44%	0.842	-39%	0.682	-24%
Free Cash Flow To Equity Per Share	-	-	-13.220	1.619	-916%	5.671	-333%	5.311	-349%	5.092	-360%
Gross Profit Margin	-	-	1.000	1.000	0%	0.967	+3%	0.993	+1%	0.997	+0%
Intrinsic Value_10Y_max	-	-	29.222	-	-	-	-	-	-	-	-
Intrinsic Value_10Y_min	-	-	-118.443	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_max	-	-	4.180	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_min	-	-	0.250	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_max	-	-	11.604	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_min	-	-	-9.741	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_max	-	-	17.879	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_min	-	-	-31.154	-	-	-	-	-	-	-	-
Market Cap	100167488.355	+0%	99865584.000	95827432.173	+4%	101811053.275	-2%	94568818.288	+6%	80829252.698	+24%
Net Profit Margin	-	-	0.084	0.173	-51%	0.218	-61%	0.220	-62%	0.207	-59%
Operating Margin	-	-	-	0.224	-100%	0.364	-100%	0.406	-100%	0.404	-100%
Operating Ratio	-	-	0.211	-0.453	+314%	-0.955	+552%	-0.606	+386%	-0.359	+270%
Pb Ratio	0.996	+0%	0.992	0.960	+3%	1.073	-8%	1.071	-7%	1.110	-11%
Pe Ratio	20.696	+0%	20.616	15.004	+37%	12.262	+68%	12.524	+65%	12.659	+63%
Price Per Share	39.150	+0%	39.000	37.120	+5%	38.960	+0%	36.381	+7%	31.202	+25%
Price To Free Cash Flow Ratio	18.929	+0%	18.857	-10.074	+153%	-50.589	+368%	-9.378	+150%	3.191	+491%
Price To Total Gains Ratio	74.888	+0%	74.601	63.655	+17%	91.189	-18%	58.379	+28%	65.632	+14%
Quick Ratio	-	-	-0.053	166.227	-100%	1681.643	-100%	432.048	-100%	291.919	-100%
Return On Assets	-	-	0.001	0.002	-34%	0.002	-47%	0.002	-47%	0.002	-48%
Return On Equity	-	-	0.012	0.019	-36%	0.023	-48%	0.023	-48%	0.023	-48%
Total Gains Per Share	-	-	0.523	0.621	-16%	0.717	-27%	0.752	-31%	0.657	-20%
Usd Book Value	-	-	100654000.000	99855250.000	+1%	94892000.000	+6%	88443500.000	+14%	72864829.268	+38%
Usd Book Value Change Per Share	-	-	0.332	0.436	-24%	0.523	-36%	0.570	-42%	0.522	-36%
Usd Book Value Per Share	-	-	39.308	38.678	+2%	36.311	+8%	34.045	+15%	28.126	+40%
Usd Dividend Per Share	-	-	0.191	0.185	+3%	0.194	-2%	0.183	+4%	0.135	+41%
Usd Eps	-	-	0.473	0.719	-34%	0.843	-44%	0.789	-40%	0.648	-27%
Usd Free Cash Flow	-	-	1324000.000	1465750.000	-10%	2414000.000	-45%	2194250.000	-40%	1768414.634	-25%
Usd Free Cash Flow Per Share	-	-	0.517	0.568	-9%	0.923	-44%	0.842	-39%	0.682	-24%
Usd Free Cash Flow To Equity Per Share	-	-	-13.220	1.619	-916%	5.671	-333%	5.311	-349%	5.092	-360%
Usd Market Cap	100167488.355	+0%	99865584.000	95827432.173	+4%	101811053.275	-2%	94568818.288	+6%	80829252.698	+24%
Usd Price Per Share	39.150	+0%	39.000	37.120	+5%	38.960	+0%	36.381	+7%	31.202	+25%
Usd Profit	-	-	1211000.000	1860000.000	-35%	2201500.000	-45%	2051050.000	-41%	1678317.073	-28%
Usd Revenue	-	-	14403000.000	11156750.000	+29%	9969250.000	+44%	9397500.000	+53%	8041243.902	+79%
Usd Total Gains Per Share	-	-	0.523	0.621	-16%	0.717	-27%	0.752	-31%	0.657	-20%
	EOD	+4 -4	MRQ	TTM	+12 -23	YOY	+9 -27	5Y	+14 -22	10Y	+12 -24

4.2. Fundamental Score

Let's check the fundamental score of Sound Financial Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

Indicator	Condition		Value
Price to Earnings Ratio (EOD)	Between	0-15	20.696
Price to Book Ratio (EOD)	Between	0-1	0.996
Net Profit Margin (MRQ)	Greater than	0	0.084
Operating Margin (MRQ)	Greater than	0	0.000
Quick Ratio (MRQ)	Greater than	1	-0.053
Current Ratio (MRQ)	Greater than	1	0.075
Debt to Asset Ratio (MRQ)	Less than	1	0.899
Debt to Equity Ratio (MRQ)	Less than	1	8.888
Return on Equity (MRQ)	Greater than	0.15	0.012
Return on Assets (MRQ)	Greater than	0.05	0.001
Total			3/10 (30.0%)

Create your own Stock Scanner

Investing is personal. The best investors buy stocks based on their own analysis. Create your personal Stock Scanner with the key performance indicators that are important to you.
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4.3. Technical Score

Let's check the technical score of Sound Financial Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	29.934
Ma 20	Greater than	Ma 50	40.250
Ma 50	Greater than	Ma 100	40.053
Ma 100	Greater than	Ma 200	39.078
Open	Greater than	Close	39.150
Total			3/5 (60.0%)

Create your own Symbol Scanner

Trading is personal. The best traders buy and sell based on their own technical analysis. Create your personal Symbol Scanner with the technical indicators that are important to you.
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Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

	2022-12-31		2023-03-31		2023-06-30		2023-09-30		2023-12-31
Other Current Liabilities	-395	-5,148	-5,543	4,924	-619	31	-588	699,978	699,390
Inventory	-61,578	-23,729	-85,307	-18,537	-103,844	-2,036	-105,880	152,118	46,238
Long-term Assets Other	-17,093	-8,855	-25,948	355	-25,593	822	-24,771	57,333	32,562
Cash and Short Term Investments	68,043	22,138	90,181	18,386	108,567	1,303	109,870	-159,560	-49,690
Net Working Capital	65,678	27,270	92,948	18,100	111,048	1,649	112,697	-774,474	-661,777
Total Operating Expenses	-19,337	14,101	-5,236	-1,930	-7,166	-619	-7,785	10,831	3,046

Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary

Total Assets	995,221
Total Liabilities	894,567
Total Stockholder Equity	100,654

	As reported
Total Liabilities	894,567
Total Stockholder Equity	+ 100,654
Total Assets	= 995,221

Assets

Total Assets	995,221
Total Current Assets	53,717
Long-term Assets	941,504

Total Current Assets

Total Current Assets (as reported)	53,717
Cash And Cash Equivalents	49,690
Short-term Investments	8,287
Net Receivables	3,452
Inventory	46,238
Total Current Assets (calculated)	107,667
+/-	53,950

Long-term Assets

Long-term Assets (as reported)	941,504
Property Plant Equipment	9,736
Long Term Investments	10,453
Intangible Assets	4,632
Long-term Assets Other	32,562
Long-term Assets (calculated)	57,383
+/-	884,121

Liabilities & Shareholders' Equity

Total Current Liabilities	715,494
Long-term Liabilities	179,073
Total Stockholder Equity	100,654

Total Current Liabilities

Total Current Liabilities (as reported)	715,494
Short-term Debt	16,104
Short Long Term Debt	15,000
Accounts payable	817
Other Current Liabilities	699,390
Total Current Liabilities (calculated)	731,311
+/-	15,817

Long-term Liabilities

Long-term Liabilities (as reported)	179,073
Long term Debt	36,717
Capital Lease Obligations	4,821
Long-term Liabilities (calculated)	41,538
+/-	137,535

Total Stockholder Equity

Total Stockholder Equity (as reported)	100,654
Common Stock	25
Retained Earnings	73,627
Accumulated Other Comprehensive Income	-988
Other Stockholders Equity	27,990
Total Stockholder Equity (calculated)	100,654
+/-	0

Other

Capital Stock	25
Cash and Short Term Investments	-49,690
Common Stock Shares Outstanding	2,561
Current Deferred Revenue	-817
Liabilities and Stockholders Equity	995,221
Net Debt	6,848
Net Invested Capital	152,371
Net Working Capital	-661,777
Property Plant and Equipment Gross	19,121
Short Long Term Debt Total	56,538

Balance Sheet

Currency in USD. All numbers in thousands.

Trend

2023-12-31

2023-09-30

2023-06-30

2023-03-31

2022-12-31

2022-09-30

2022-06-30

2022-03-31

2021-12-31

2021-09-30

2021-06-30

2021-03-31

2020-12-31

2020-09-30

2020-06-30

2020-03-31

2019-12-31

2019-09-30

2019-06-30

2019-03-31

2018-12-31

2018-09-30

2018-06-30

2018-03-31

2017-12-31

2017-09-30

2017-06-30

2017-03-31

2016-12-31

2016-09-30

2016-06-30

2016-03-31

2015-12-31

2015-09-30

2015-06-30

2015-05-14

2015-03-31

2014-12-31

2014-09-30

2014-06-30

2014-03-31

2013-12-31

2013-09-30

2013-06-30

2013-03-31

2012-12-31

2012-09-30

2012-06-30

2012-03-31

2011-12-31

2011-09-30

2011-06-30

2011-03-31

2010-12-31

2010-09-30

2010-06-30

2010-03-31

> Total Assets

0
0
0
334,639
0
0
0
339,740
348,697
355,072
366,498
381,044
381,044
409,565
431,728
442,611
445,585
468,940
479,279
495,190
491,708
491,708
503,447
502,021
540,760
543,538
541,759
566,206
588,383
575,376
588,251
622,536
645,244
659,531
686,223
715,323
716,735
697,629
685,956
715,319
719,853
737,636
871,661
867,378
861,402
936,651
923,178
928,111
919,691
958,854
937,004
982,246
976,351
1,004,363
1,010,774
1,030,176
995,221

995,221

1,030,176

1,010,774

1,004,363

976,351

982,246

937,004

958,854

919,691

928,111

923,178

936,651

861,402

867,378

871,661

737,636

719,853

715,319

685,956

697,629

716,735

715,323

686,223

659,531

645,244

622,536

588,251

575,376

588,383

566,206

541,759

543,538

540,760

502,021

503,447

491,708

495,190

479,279

468,940

445,585

442,611

431,728

409,565

381,044

366,498

355,072

348,697

339,740

334,639

> Total Current Assets

0
0
0
0
0
0
0
331,926
340,561
341,248
341,056
12,727
352,829
387,697
410,072
421,437
425,841
449,859
457,025
474,465
474,497
35,223
486,536
486,075
524,995
528,905
526,252
550,897
572,317
559,450
571,134
606,140
628,991
643,186
670,049
699,610
701,320
674,419
663,221
689,786
692,900
709,143
844,509
837,332
834,412
910,866
899,205
904,866
194,226
209,431
91,783
89,269
71,126
93,333
111,667
113,285
53,717

53,717

113,285

111,667

93,333

71,126

89,269

91,783

209,431

194,226

904,866

899,205

910,866

834,412

837,332

844,509

709,143

692,900

689,786

663,221

674,419

701,320

699,610

670,049

643,186

628,991

606,140

571,134

559,450

572,317

550,897

526,252

528,905

524,995

486,075

486,536

35,223

474,497

474,465

457,025

449,859

425,841

421,437

410,072

387,697

352,829

12,727

341,056

341,248

340,561

331,926

Cash And Cash Equivalents

0
0
0
9,092
0
0
0
17,031
25,409
19,400
15,655
12,727
12,727
11,760
13,961
15,334
14,614
28,866
22,139
29,289
35,223
35,223
34,087
36,669
48,264
49,679
45,187
55,275
54,582
52,807
59,956
60,651
60,680
64,689
59,434
62,292
61,810
72,536
80,422
58,873
55,770
61,996
130,537
115,762
193,828
269,593
236,815
206,702
183,590
197,091
80,051
76,064
57,836
81,580
100,169
101,890
49,690

49,690

101,890

100,169

81,580

57,836

76,064

80,051

197,091

183,590

206,702

236,815

269,593

193,828

115,762

130,537

61,996

55,770

58,873

80,422

72,536

61,810

62,292

59,434

64,689

60,680

60,651

59,956

52,807

54,582

55,275

45,187

49,679

48,264

36,669

34,087

35,223

29,289

22,139

28,866

14,614

15,334

13,961

11,760

12,727

15,655

19,400

25,409

17,031

9,092

Short-term Investments

0
0
0
0
0
0
0
0
0
9,033
20,891
22,900
22,900
16,965
16,639
15,421
14,730
14,082
12,944
11,524
8,717
7,901
7,901
7,140
6,696
6,286
7,393
6,995
6,604
6,359
6,200
5,688
5,435
5,268
5,118
5,011
4,957
4,955
4,964
7,841
9,306
11,236
10,198
13,296
10,218
9,078
7,524
7,060
8,419
10,223
9,382
10,396
10,207
8,601
8,398
7,980
8,287

8,287

7,980

8,398

8,601

10,207

10,396

9,382

10,223

8,419

7,060

7,524

9,078

10,218

13,296

10,198

11,236

9,306

7,841

4,964

4,955

4,957

5,011

5,118

5,268

5,435

5,688

6,200

6,359

6,604

6,995

7,393

6,286

6,696

7,140

7,901

8,717

11,524

12,944

14,082

14,730

15,421

16,639

16,965

22,900

20,891

9,033

Net Receivables

0
0
0
0
0
0
0
1,234
1,153
1,234
1,249
1,280
1,280
1,333
1,313
1,366
1,378
1,391
1,446
1,497
1,448
434,790
1,494
1,453
1,608
1,595
1,592
1,630
1,816
1,754
1,677
1,943
1,977
1,962
2,224
2,204
2,287
2,228
2,108
2,206
2,206
2,205
2,346
2,536
2,254
2,160
2,078
2,231
2,217
2,117
2,350
2,809
3,083
3,152
3,100
3,415
3,452

3,452

3,415

3,100

3,152

3,083

2,809

2,350

2,117

2,217

2,231

2,078

2,160

2,254

2,536

2,346

2,205

2,206

2,108

2,228

2,287

2,204

2,224

1,962

1,977

1,943

1,677

1,754

1,816

1,630

1,592

1,595

1,608

1,453

1,494

434,790

1,448

1,497

1,446

1,391

1,378

1,366

1,313

1,333

1,280

1,249

1,234

1,153

1,234

Other Current Assets

0
0
0
0
0
0
0
313,661
313,999
320,614
324,152
0
315,922
357,639
378,159
389,316
395,119
405,520
420,496
432,155
429,109
0
443,054
440,813
468,427
471,345
472,080
486,996
509,315
498,530
503,301
537,858
560,899
571,267
603,273
630,103
632,266
594,700
575,727
620,866
625,618
633,706
701,428
705,738
628,112
630,035
652,788
688,873
701,143
3,414
83,060
79,532
61,578
85,307
103,844
105,880
53,717

53,717

105,880

103,844

85,307

61,578

79,532

83,060

3,414

701,143

688,873

652,788

630,035

628,112

705,738

701,428

633,706

625,618

620,866

575,727

594,700

632,266

630,103

603,273

571,267

560,899

537,858

503,301

498,530

509,315

486,996

472,080

471,345

468,427

440,813

443,054

429,109

432,155

420,496

405,520

395,119

389,316

378,159

357,639

315,922

324,152

320,614

313,999

313,661

> Long-term Assets

0
0
0
0
0
0
0
7,814
8,136
13,824
25,442
339,430
28,215
21,868
21,656
21,174
19,744
19,081
21,680
20,722
17,211
455,049
16,911
15,946
15,765
14,633
15,507
15,309
16,066
15,926
17,117
16,396
16,253
16,345
16,174
15,713
15,415
23,210
22,735
25,533
26,953
28,493
27,152
30,046
26,990
25,785
23,973
23,245
24,322
28,621
27,531
28,214
10,615
25,948
25,593
24,771
941,504

941,504

24,771

25,593

25,948

10,615

28,214

27,531

28,621

24,322

23,245

23,973

25,785

26,990

30,046

27,152

28,493

26,953

25,533

22,735

23,210

15,415

15,713

16,174

16,345

16,253

16,396

17,117

15,926

16,066

15,309

15,507

14,633

15,765

15,946

16,911

455,049

17,211

20,722

21,680

19,081

19,744

21,174

21,656

21,868

28,215

339,430

25,442

13,824

8,136

7,814

Property Plant Equipment

0
0
0
3,295
0
0
0
2,385
2,310
2,233
2,237
2,256
2,256
2,233
2,174
2,138
2,066
2,006
5,621
5,555
5,604
5,739
5,739
5,580
5,335
5,252
5,088
5,273
5,549
6,009
7,467
7,338
7,392
7,545
7,474
7,255
7,044
14,969
14,566
14,466
14,408
14,261
13,841
13,411
12,992
12,598
12,298
11,974
11,630
11,507
11,180
10,824
10,615
10,570
10,287
9,936
9,736

9,736

9,936

10,287

10,570

10,615

10,824

11,180

11,507

11,630

11,974

12,298

12,598

12,992

13,411

13,841

14,261

14,408

14,466

14,566

14,969

7,044

7,255

7,474

7,545

7,392

7,338

7,467

6,009

5,549

5,273

5,088

5,252

5,335

5,580

5,739

5,604

5,555

5,621

2,006

2,066

2,138

2,174

2,233

2,256

2,237

2,233

2,310

2,385

3,295

Long Term Investments

0
0
0
0
0
0
0
0
0
0
306,754
324,221
336,903
356,608
377,335
386,879
392,130
401,668
415,611
426,783
420,090
433,086
0
431,919
456,924
458,909
460,497
474,631
496,050
486,422
489,781
523,513
545,131
555,601
591,092
617,188
619,898
584,414
565,683
616,729
624,616
636,641
702,234
29,359
10,218
19,791
7,524
7,060
8,419
12,446
11,597
12,603
12,406
10,791
10,580
10,154
10,453

10,453

10,154

10,580

10,791

12,406

12,603

11,597

12,446

8,419

7,060

7,524

19,791

10,218

29,359

702,234

636,641

624,616

616,729

565,683

584,414

619,898

617,188

591,092

555,601

545,131

523,513

489,781

486,422

496,050

474,631

460,497

458,909

456,924

431,919

433,086

420,090

426,783

415,611

401,668

392,130

386,879

377,335

356,608

336,903

324,221

306,754

Intangible Assets

0
0
0
3,200
0
0
0
2,437
2,791
2,558
2,314
3,059
3,059
2,670
2,843
2,984
2,948
2,993
3,115
3,028
2,890
0
3,271
3,226
3,249
3,096
3,026
3,039
3,561
3,558
3,450
3,370
3,426
3,532
3,582
3,447
3,414
3,286
3,205
3,226
3,239
2,996
3,113
3,339
3,780
4,109
4,151
4,211
4,273
4,668
4,754
4,787
4,687
4,587
4,726
4,681
4,632

4,632

4,681

4,726

4,587

4,687

4,787

4,754

4,668

4,273

4,211

4,151

4,109

3,780

3,339

3,113

2,996

3,239

3,226

3,205

3,286

3,414

3,447

3,582

3,532

3,426

3,370

3,450

3,558

3,561

3,039

3,026

3,096

3,249

3,226

3,271

2,890

3,028

3,115

2,993

2,948

2,984

2,843

2,670

3,059

2,314

2,558

2,791

2,437

3,200

Earning Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,305
7,212
10,843
11,529
18,323
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

18,323

11,529

10,843

7,212

7,305

Other Assets

0
0
0
26,541
0
0
0
347,554
356,833
368,896
391,940
41,840
409,259
431,433
453,384
463,785
465,329
488,021
574
3
30,791
0
520,358
517,967
556,525
558,171
557,266
581,515
604,449
591,302
605,368
638,932
661,497
675,876
702,397
731,036
732,150
720,839
708,691
740,852
746,806
766,129
898,813
897,424
888,392
962,436
947,151
951,356
701,143
720,802
817,690
864,763
894,610
885,082
873,514
892,120
0

892,120

873,514

885,082

894,610

864,763

817,690

720,802

701,143

951,356

947,151

962,436

888,392

897,424

898,813

766,129

746,806

740,852

708,691

720,839

732,150

731,036

702,397

675,876

661,497

638,932

605,368

591,302

604,449

581,515

557,266

558,171

556,525

517,967

520,358

30,791

574

488,021

465,329

463,785

453,384

431,433

409,259

41,840

391,940

368,896

356,833

347,554

26,541

> Total Liabilities

0
0
0
307,736
0
0
0
311,027
319,231
325,030
324,202
337,587
337,587
364,068
385,805
396,106
398,794
420,753
429,870
444,545
439,933
439,933
451,615
449,113
486,240
487,984
484,948
507,888
528,108
513,748
525,381
559,192
580,084
592,985
617,740
645,193
645,108
624,706
611,391
639,303
642,127
659,389
791,426
785,048
775,918
849,095
833,643
836,205
826,333
865,004
843,947
887,290
878,646
905,758
910,850
929,938
894,567

894,567

929,938

910,850

905,758

878,646

887,290

843,947

865,004

826,333

836,205

833,643

849,095

775,918

785,048

791,426

659,389

642,127

639,303

611,391

624,706

645,108

645,193

617,740

592,985

580,084

559,192

525,381

513,748

528,108

507,888

484,948

487,984

486,240

449,113

451,615

439,933

444,545

429,870

420,753

398,794

396,106

385,805

364,068

337,587

324,202

325,030

319,231

311,027

307,736

> Total Current Liabilities

0
0
0
0
0
0
0
84
82
78
78
315,700
83
4,012
4,082
4,546
7,387
6,942
5,958
5,563
5,296
418,708
6,730
5,442
5,781
8,489
5,468
6,952
5,585
7,295
6,637
6,375
6,684
81
82
93
137
8,408
8,226
8,252
8,010
7,766
7,561
7,348
7,134
6,894
6,681
6,462
200
38
5,980
109
5,448
385
619
588
715,494

715,494

588

619

385

5,448

109

5,980

200

6,462

6,681

6,894

7,134

7,348

7,561

7,766

8,010

8,252

8,226

8,408

137

6,684

6,375

6,637

7,295

5,585

6,952

5,468

8,489

5,781

5,442

6,730

418,708

5,296

5,563

5,958

6,942

7,387

4,546

4,082

4,012

315,700

Short-term Debt

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30,578
0
0
0
0
40,435
0
0
0
54,792
25,631
25,000
28,000
59,000
56,000
71,000
0
0
8,408
8,226
8,252
8,010
7,766
7,561
7,348
7,134
6,894
6,681
6,462
6,242
6,211
5,980
5,749
5,448
5,543
5,306
40,278
16,104

16,104

40,278

5,306

5,543

5,448

5,749

5,980

6,211

6,242

6,462

6,681

6,894

7,134

7,348

7,561

7,766

8,010

8,252

8,226

8,408

71,000

56,000

59,000

28,000

25,000

25,631

54,792

40,435

30,578

Short Long Term Debt

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30,578
0
0
0
0
40,435
0
0
0
54,792
25,631
25,000
28,000
59,000
56,000
71,000
96,500
17,600
0
0
12,450
7,500
0
0
0
0
0
0
0
0
0
0
0
43,000
0
0
0
15,000

15,000

43,000

7,500

12,450

17,600

96,500

71,000

56,000

59,000

28,000

25,000

25,631

54,792

40,435

30,578

Accounts payable

0
0
0
278,494
0
0
0
84
82
78
78
83
83
4,012
4,082
4,546
7,387
6,942
5,958
5,563
5,296
79
6,730
5,442
5,781
8,489
5,468
6,952
5,585
7,295
6,637
6,375
6,684
81
82
93
137
201
195
212
226
224
204
213
369
133
238
48
200
38
194
109
395
385
619
588
817

817

588

619

385

395

109

194

200

238

133

369

213

204

224

226

212

195

201

137

6,684

6,375

6,637

7,295

5,585

6,952

5,468

8,489

5,781

5,442

6,730

5,296

5,563

5,958

6,942

7,387

4,546

4,082

4,012

278,494

Other Current Liabilities

0
0
0
0
0
0
0
-84
-82
-78
-78
312,083
-83
-4,012
-4,082
-4,546
-7,387
-6,942
-5,958
-5,563
-5,296
418,629
-6,730
-5,442
-5,781
-8,489
-5,468
-6,952
-5,585
-7,295
-6,637
-6,375
-6,684
-81
-82
-93
-137
-201
-195
-212
-226
-224
-204
-213
-369
-133
-238
-48
-200
-38
-194
-5,749
-395
-5,543
-619
-588
699,390

699,390

-588

-619

-5,543

-395

-5,749

-194

-38

-200

-48

-238

-133

-369

-213

-204

-224

-226

-212

-195

-201

-137

-93

-82

-81

-6,684

-6,375

-6,637

-7,295

-5,585

-6,952

-5,468

-8,489

-5,781

-5,442

-6,730

418,629

-5,296

-5,563

-5,958

-6,942

-7,387

-4,546

-4,082

-4,012

-83

312,083

-78

-82

-84

> Long-term Liabilities

0
0
0
0
0
0
0
8,506
8,346
8,185
8,024
25,421
21,864
40,542
40,381
43,221
28,060
39,899
20,738
30,578
18,417
32,951
26,256
24,096
40,435
31,374
35,613
37,453
54,792
25,631
25,000
28,000
59,000
56,000
71,000
96,500
84,000
33,408
24,476
20,702
15,510
15,266
87,402
26,524
18,726
18,496
18,294
18,085
17,876
17,855
47,635
109
873,198
385
77,003
56,772
179,073

179,073

56,772

77,003

385

873,198

109

47,635

17,855

17,876

18,085

18,294

18,496

18,726

26,524

87,402

15,266

15,510

20,702

24,476

33,408

84,000

96,500

71,000

56,000

59,000

28,000

25,000

25,631

54,792

37,453

35,613

31,374

40,435

24,096

26,256

32,951

18,417

30,578

20,738

39,899

28,060

43,221

40,381

40,542

21,864

25,421

8,024

8,185

8,346

8,506

Long term Debt Total

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,676
11,592
11,602
11,613
0
0
11,644
11,655
11,665
11,676
11,686
11,697
0
0

11,697

11,686

11,676

11,665

11,655

11,644

11,613

11,602

11,592

11,676

Other Liabilities

0
0
0
4,393
0
0
0
2,524
3,109
3,116
3,134
3,640
3,886
4,012
4,082
4,546
7,388
6,942
5,384
6,156
5,296
0
6,774
5,487
5,781
8,489
5,468
6,953
5,585
7,295
6,637
6,375
6,684
7,792
7,242
8,768
7,370
7,416
7,218
8,768
9,673
9,341
9,498
9,461
8,842
13,773
10,391
10,419
9,937
11,020
10,132
9,870
9,364
11,497
0
0
0

11,497

9,364

9,870

10,132

11,020

9,937

10,419

10,391

13,773

8,842

9,461

9,498

9,341

9,673

8,768

7,218

7,416

7,370

8,768

7,242

7,792

6,684

6,375

6,637

7,295

5,585

6,953

5,468

8,489

5,781

5,487

6,774

5,296

6,156

5,384

6,942

7,388

4,546

4,082

4,012

3,886

3,640

3,134

3,116

3,109

2,524

4,393

> Total Stockholder Equity

0
0
0
26,903
0
0
0
28,713
29,466
30,042
42,296
43,457
43,457
45,497
45,923
46,505
46,791
48,187
49,409
50,645
51,775
51,788
51,832
52,908
54,520
55,554
56,811
58,318
60,275
61,628
62,870
63,344
65,160
66,546
68,483
70,130
71,627
72,923
74,565
76,016
77,726
78,247
80,235
82,330
85,484
87,556
89,535
91,906
93,358
93,850
93,057
94,956
97,705
98,605
99,924
100,238
100,654

100,654

100,238

99,924

98,605

97,705

94,956

93,057

93,850

93,358

91,906

89,535

87,556

85,484

82,330

80,235

78,247

77,726

76,016

74,565

72,923

71,627

70,130

68,483

66,546

65,160

63,344

62,870

61,628

60,275

58,318

56,811

55,554

54,520

52,908

51,832

51,788

51,775

50,645

49,409

48,187

46,791

46,505

45,923

45,497

43,457

42,296

30,042

29,466

28,713

26,903

Common Stock

0
0
0
30
0
0
0
30
30
30
26
26
26
26
26
26
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
25
26
26
26
26
26
26
26
26
25
25
25

Retained Earnings Total Equity

0
0
0
0
0
0
0
0
0
0
19,848
20,736
21,533
22,546
23,410
24,288
25,149
26,239
27,348
28,024
29,107
30,202
0
31,168
32,240
33,160
34,228
35,496
36,873
38,037
39,089
39,558
40,493
41,792
43,405
44,879
46,165
47,252
48,710
49,899
51,410
51,488
53,224
55,170
58,226
59,975
61,758
0
0
66,139
66,203
68,309
70,792
71,362
72,923
0
0

72,923

71,362

70,792

68,309

66,203

66,139

61,758

59,975

58,226

55,170

53,224

51,488

51,410

49,899

48,710

47,252

46,165

44,879

43,405

41,792

40,493

39,558

39,089

38,037

36,873

35,496

34,228

33,160

32,240

31,168

30,202

29,107

28,024

27,348

26,239

25,149

24,288

23,410

22,546

21,533

20,736

19,848

Accumulated Other Comprehensive Income

0
0
0
0
0
0
0
-659
-485
-535
-473
-2,464
-496
-351
-285
-269
-138
123
187
183
165
165
186
167
164
170
222
187
81
115
139
147
109
78
79
72
114
156
187
185
175
156
262
259
240
193
195
168
139
-469
-949
-1,265
-1,117
-1,034
-1,094
-1,337
-988

-988

-1,337

-1,094

-1,034

-1,117

-1,265

-949

-469

139

168

195

193

240

259

262

156

175

185

187

156

114

109

147

139

115

187

222

170

164

167

186

165

183

187

123

-138

-269

-285

-351

-496

-2,464

-473

-535

-485

-659

Capital Surplus

0
0
0
0
0
0
0
0
0
0
24,722
24,789
24,832
24,873
24,370
23,829
23,123
23,169
23,218
23,552
23,618
22,515
0
22,643
23,002
23,110
23,247
23,520
23,979
24,134
24,300
24,297
24,986
25,104
25,371
25,523
25,663
25,802
25,926
26,162
26,343
26,776
26,894
27,018
27,106
27,447
27,613
0
0
28,154
27,777
27,886
28,004
28,251
28,070
0
0

28,070

28,251

28,004

27,886

27,777

28,154

27,613

27,447

27,106

27,018

26,894

26,776

26,343

26,162

25,926

25,802

25,663

25,523

25,371

25,104

24,986

24,297

24,300

24,134

23,979

23,520

23,247

23,110

23,002

22,643

22,515

23,618

23,552

23,218

23,169

23,123

23,829

24,370

24,873

24,832

24,789

24,722

Treasury Stock

Other Stockholders Equity

0
0
0
0
0
0
0
11,246
11,280
11,312
22,895
-2,094
23,191
23,275
22,772
22,460
21,754
21,800
21,849
22,412
22,478
-954
21,375
21,503
22,091
22,199
22,336
22,609
23,296
23,451
23,617
23,614
24,533
24,651
24,974
25,154
25,323
25,490
25,643
25,907
26,116
26,578
26,724
26,876
26,993
27,362
27,556
27,807
27,956
28,154
27,777
27,886
28,004
28,251
28,070
28,112
27,990

27,990

28,112

28,070

28,251

28,004

27,886

27,777

28,154

27,956

27,807

27,556

27,362

26,993

26,876

26,724

26,578

26,116

25,907

25,643

25,490

25,323

25,154

24,974

24,651

24,533

23,614

23,617

23,451

23,296

22,609

22,336

22,199

22,091

21,503

21,375

-954

22,478

22,412

21,849

21,800

21,754

22,460

22,772

23,275

23,191

-2,094

22,895

11,312

11,280

11,246

Balance Sheet

Currency in USD. All numbers in thousands.

	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31
Accounts Payable	817	395	200	369	226	137	6,684	5,585	5,781	5,563	4,546	83	84	121
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Other Comprehensive Income	-988	-1,117	139	240	175	114	109	81	164	183	-269	-496	-659	-671
Additional Paid In Capital	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Lease Obligations	4,821	5,448	6,242	7,134	8,010	0	0	0	0	0	0	0	0	0
Capital Stock	25	26	26	25	25	25	0	0	0	0	0	0	0	0
Capital Surpluse	0	28,004	0	27,106	26,343	25,663	24,986	23,979	23,002	23,552	23,829	24,789	0	0
Cash	49,690	57,836	183,590	193,828	55,770	61,810	60,680	54,582	48,264	29,289	15,334	12,727	17,031	9,092
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash And Short Term Investments	-49,690	68,043	192,009	204,046	65,076	66,767	66,115	61,186	54,960	40,813	30,755	35,627	17,031	9,092
Common Stock	25	26	26	25	25	25	25	25	25	25	26	26	30	30
Common Stock Shares Outstanding	2,582	2,613	2,627	2,593	2,583	2,567	2,568	2,567	2,580	2,602	2,626	2,619	2,889	2,889
Common Stock Total Equity	0	26	0	25	25	25	25	25	25	25	25	26	30	30
Current Deferred Revenue	-817	0	-6,042	-6,765	-7,784	0	0	0	0	0	0	0	0	0
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Liab	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earning Assets	0	0	0	0	11,529	10,263	10,277	10,315	10,999	0	0	0	0	0
Good Will	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets	4,632	4,687	4,273	3,780	3,239	3,414	3,426	3,561	3,249	3,028	2,984	3,059	2,437	3,200
Inventory	46,238	-61,578	-186,466	-196,676	-58,551	575	610	1,172	769	810	130	1,725	1,807	901
Liabilities And Stockholders Equity	995,221	976,351	919,691	861,402	719,853	716,735	645,244	588,383	540,760	495,190	442,611	381,044	339,740	334,639
Long Term Debt	36,717	54,676	11,634	11,592	7,500	84,000	59,000	54,792	40,435	935	1,578	21,221	7,863	24,849
Long Term Debt Total	0	11,676	0	11,592	0	0	0	0	0	0	0	0	0	0
Long Term Investments	10,453	12,406	8,419	10,218	624,616	619,898	545,131	496,050	456,924	426,783	386,879	324,221	0	0
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Debt	6,848	2,288	-165,714	-175,102	-40,260	22,190	-1,680	210	-7,829	1,289	27,887	9,137	-8,525	15,757
Net Invested Capital	152,371	152,381	104,992	97,076	85,226	155,627	124,160	0	0	0	0	0	0	0
Net Receivables	3,452	3,083	2,217	2,254	2,206	2,287	1,977	1,816	1,608	1,497	1,366	1,280	1,234	1,280
Net Tangible Assets	0	97,705	93,358	85,484	77,726	71,627	65,160	60,275	54,520	50,644	46,504	43,457	0	0
Net Working Capital	-661,777	65,678	194,026	205,931	67,056	701,183	622,307	566,732	519,214	468,902	416,891	352,746	331,842	323,482
Non Current Assets Total	941,504	10,615	24,322	26,990	26,953	15,415	16,253	16,066	15,765	20,722	21,174	28,215	7,814	11,036
Non Current Liabilities Other	0	57,812	0	15,976	25,183	91,370	65,607	60,304	46,144	36,658	47,686	25,421	0	0
Non Current Liabilities Total	179,073	873,198	17,876	18,726	15,510	84,000	59,000	54,792	40,435	30,578	43,221	21,864	8,506	24,849
Non Currrent Assets Other	32,562	-17,093	-24,322	-26,990	-26,953	632,266	560,899	352	485	615	631	315,922	-7,814	-11,036
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Assets	0	894,610	701,143	628,112	625,618	732,150	661,497	604,449	556,525	3	463,785	409,259	347,554	345,675
Other Current Assets	53,717	61,578	186,466	196,676	58,551	632,266	560,899	509,315	468,427	432,155	389,316	315,922	313,661	313,231
Other Current Liab	699,390	-395	-200	-369	-226	-137	-6,684	-5,585	-5,781	-5,563	-4,546	-83	-84	-121
Other Liab	0	9,364	9,937	8,842	9,673	7,370	6,607	5,512	5,709	6,156	4,546	3,640	2,524	4,393
Other Stockholder Equity	27,990	28,004	27,956	26,993	26,116	25,323	24,533	23,296	22,091	22,412	22,460	23,191	11,246	10,999
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Total Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Property Plant And Equipment Gross	19,121	19,282	11,630	12,992	14,408	7,044	7,392	5,549	5,335	5,555	2,138	2,256	2,385	3,295
Property Plant And Equipment Net	9,736	10,615	11,630	12,992	14,408	7,044	7,392	5,549	5,335	5,555	2,138	2,256	2,385	3,295
Property Plant Equipment	0	5,513	11,630	12,992	6,767	7,044	7,392	5,549	5,335	5,555	2,138	2,256	2,385	3,295
Retained Earnings	73,627	70,792	65,237	58,226	51,410	46,165	40,493	36,873	30,939	28,025	24,287	20,736	18,096	16,545
Retained Earnings Total Equity	0	70,792	0	58,226	51,410	46,165	40,493	36,873	32,240	28,024	24,288	20,736	0	0
Short Long Term Debt	15,000	43,000	0	0	7,500	17,600	0	54,792	0	30,578	0	0	0	0
Short Long Term Debt Total	56,538	60,124	17,876	18,726	15,510	84,000	59,000	54,792	40,435	30,578	43,221	21,864	8,506	24,849
Short Term Debt	16,104	5,448	6,242	7,134	8,010	0	0	0	0	30,578	0	0	0	0
Short Term Investments	8,287	10,207	8,419	10,218	9,306	4,957	5,435	6,604	6,696	11,524	15,421	22,900	0	0
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Assets	995,221	976,351	919,691	861,402	719,853	716,735	645,244	588,383	540,760	495,190	442,611	381,044	339,740	334,639
Total Current Assets	53,717	71,126	194,226	206,300	67,282	701,320	628,991	572,317	524,995	474,465	421,437	352,829	331,926	323,603
Total Current Liabilities	715,494	5,448	200	369	226	137	6,684	5,585	5,781	5,563	4,546	83	84	121
Total Liab	894,567	878,646	826,333	775,918	642,127	645,108	580,084	528,108	486,240	444,545	396,106	337,587	311,027	307,736
Total Permanent Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Stockholder Equity	100,654	97,705	93,358	85,484	77,726	71,627	65,160	60,275	54,520	50,645	46,505	43,457	28,713	26,903
Treasury Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0	0

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-05-14	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31
Accounts Payable	817	588	619	385	395	109	194	38	200	48	238	133	369	213	204	224	226	212	195	201	137	93	82	81	6,684	6,375	6,637	7,295	5,585	6,952	5,468	8,489	5,781	5,442	6,730	79	5,296	5,563	5,958	6,942	7,387	4,546	4,082	4,012	83	83	78	78	82	84	0	0	0	278,494	-	-	-
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Accumulated Other Comprehensive Income	-988	-1,337	-1,094	-1,034	-1,117	-1,265	-949	-469	139	168	195	193	240	259	262	156	175	185	187	156	114	72	79	78	109	147	139	115	81	187	222	170	164	167	186	165	165	183	187	123	-138	-269	-285	-351	-496	-2,464	-473	-535	-485	-659	0	0	0	0	-	-	-
Additional Paid In Capital	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Capital Lease Obligations	4,821	5,065	5,306	5,543	5,448	5,749	5,980	6,211	6,242	6,462	6,681	6,894	7,134	7,348	7,561	7,766	8,010	8,252	8,226	8,408	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Capital Stock	25	25	25	26	26	26	26	26	26	26	26	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Capital Surpluse	0	0	28,070	28,251	28,004	27,886	27,777	28,154	0	0	27,613	27,447	27,106	27,018	26,894	26,776	26,343	26,162	25,926	25,802	25,663	25,523	25,371	25,104	24,986	24,297	24,300	24,134	23,979	23,520	23,247	23,110	23,002	22,643	0	22,515	23,618	23,552	23,218	23,169	23,123	23,829	24,370	24,873	24,832	24,789	24,722	0	0	0	0	0	0	0	-	-	-
Cash	49,690	101,890	100,169	81,580	57,836	76,064	80,051	197,091	183,590	206,702	236,815	269,593	193,828	115,762	130,537	61,996	55,770	58,873	80,422	72,536	61,810	62,292	59,434	64,689	60,680	60,651	59,956	52,807	54,582	55,275	45,187	49,679	48,264	36,669	34,087	35,223	35,223	29,289	22,139	28,866	14,614	15,334	13,961	11,760	12,727	12,727	15,655	19,400	25,409	17,031	0	0	0	9,092	-	-	-
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Cash And Short Term Investments	-49,690	109,870	108,567	90,181	68,043	86,460	89,433	207,314	192,009	213,762	244,339	278,671	204,046	129,058	140,735	73,232	65,076	66,714	85,386	77,491	66,767	67,303	64,552	69,957	66,115	66,339	66,156	59,166	61,186	62,271	52,580	55,965	54,960	43,809	41,988	43,633	43,940	40,813	35,083	42,948	29,344	30,755	30,600	28,725	35,627	38,028	15,655	19,400	25,409	17,031	0	0	0	0	-	-	-
Common Stock	25	25	25	26	26	26	26	26	26	26	26	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	26	26	26	26	26	26	30	30	30	0	0	0	30	-	-	-
Common Stock Shares Outstanding	2,561	2,572	2,591	2,604	2,601	2,598	2,615	2,640	2,632	2,633	2,628	2,611	2,597	2,589	2,580	2,588	2,590	2,578	2,572	2,566	2,566	2,570	2,561	2,558	2,572	2,562	2,597	2,597	2,595	2,568	2,558	2,572	2,561	2,552	2,602	0	2,602	2,601	2,609	2,601	2,604	2,597	2,634	2,638	2,588	2,588	2,628	2,588	2,892	2,583	2,609	2,921	2,892	3,000	3,000	3,000	3,000
Common Stock Total Equity	0	0	25	26	26	26	26	26	0	0	26	26	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25	26	26	26	26	26	30	30	30	0	0	0	0	-	-	-
Current Deferred Revenue	-817	-39,690	-4,687	0	0	0	0	-6,173	-6,042	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Deferred Long Term Liab	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Earning Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	18,323	11,529	10,843	7,212	7,305	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Good Will	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Intangible Assets	4,632	4,681	4,726	4,587	4,687	4,787	4,754	4,668	4,273	4,211	4,151	4,109	3,780	3,339	3,113	2,996	3,239	3,226	3,205	3,286	3,414	3,447	3,582	3,532	3,426	3,370	3,450	3,558	3,561	3,039	3,026	3,096	3,249	3,226	3,271	0	2,890	3,028	3,115	2,993	2,948	2,984	2,843	2,670	3,059	3,059	2,314	2,558	2,791	2,437	0	0	0	3,200	-	-	-
Inventory	46,238	-105,880	-103,844	-85,307	-61,578	-79,532	-83,060	659	659	659	659	575	594	575	575	575	575	1,069	1,069	1,069	575	600	610	950	1,777	296	720	1,970	871	2,424	687	1,186	2,091	772	3,061	0	1,426	810	2,490	1,921	1,436	130	1,664	2,078	2,083	1,725	2,089	1,053	1,139	1,807	0	0	0	901	-	-	-
Liabilities And Stockholders Equity	995,221	1,030,176	1,010,774	1,004,363	976,351	982,246	937,004	958,854	919,691	928,111	923,178	936,651	861,402	867,378	871,661	737,636	719,853	715,319	685,956	697,629	716,735	715,323	686,223	659,531	645,244	622,536	588,251	575,376	588,383	566,206	541,759	543,538	540,760	502,021	503,447	503,447	491,708	495,190	479,279	468,940	445,585	442,611	431,728	409,565	381,044	381,044	366,498	355,072	348,697	339,740	0	0	0	0	-	-	-
Long Term Debt	36,717	51,707	71,697	46,686	54,676	56,165	41,655	11,644	11,634	11,623	11,613	11,602	11,592	11,676	79,841	7,500	7,500	12,450	16,250	25,000	7,400	0	0	56,000	59,000	28,000	25,000	25,631	54,792	37,453	35,613	31,374	40,435	24,096	26,256	0	18,417	30,578	20,738	39,899	28,060	43,221	40,381	40,542	25,703	21,864	8,024	8,185	8,346	8,506	0	0	0	24,849	-	-	-
Long Term Debt Total	0	0	11,697	11,686	11,676	11,665	11,655	11,644	0	0	11,613	11,602	11,592	11,676	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Long Term Investments	10,453	10,154	10,580	10,791	12,406	12,603	11,597	12,446	8,419	7,060	7,524	19,791	10,218	29,359	702,234	636,641	624,616	616,729	565,683	584,414	619,898	617,188	591,092	555,601	545,131	523,513	489,781	486,422	496,050	474,631	460,497	458,909	456,924	431,919	0	433,086	420,090	426,783	415,611	401,668	392,130	386,879	377,335	356,608	336,903	324,221	306,754	0	0	0	0	0	0	0	-	-	-
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Net Debt	6,848	-45,118	-23,166	-29,351	2,288	-14,150	-32,416	-179,236	-165,714	-188,617	-218,521	-251,097	-175,102	-89,238	-43,135	-46,730	-40,260	-38,171	-55,946	-39,128	22,190	34,208	11,566	-8,689	-1,680	-32,651	-34,956	-27,176	210	-17,822	-9,574	-18,305	-7,829	-12,573	-7,831	0	-16,806	1,289	-1,401	11,033	13,446	27,887	26,420	28,782	9,137	32,037	-7,631	-11,215	-17,063	-8,525	0	0	0	0	-	-	-
Net Invested Capital	152,371	151,945	171,621	145,291	152,381	151,121	134,712	105,494	104,992	103,529	101,148	99,158	97,076	101,506	160,076	85,747	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Net Receivables	3,452	3,415	3,100	3,152	3,083	2,809	2,350	2,117	2,217	2,231	2,078	2,160	2,254	2,536	2,346	2,205	2,206	2,206	2,108	2,228	2,287	2,204	2,224	1,962	1,977	1,943	1,677	1,754	1,816	1,630	1,592	1,595	1,608	1,453	1,494	434,790	1,448	1,497	1,446	1,391	1,378	1,366	1,313	1,333	1,280	1,280	1,249	1,234	1,153	1,234	0	0	0	0	-	-	-
Net Tangible Assets	0	0	99,924	98,605	97,705	94,956	93,057	93,850	93,358	91,906	89,535	87,556	85,484	82,330	80,235	78,247	77,726	76,016	74,565	72,923	71,627	70,130	68,483	66,546	65,160	63,344	62,870	61,628	60,275	58,317	56,811	55,554	54,520	52,863	0	51,788	51,775	50,644	49,409	48,187	46,790	46,504	45,923	45,497	44,340	43,457	42,296	0	0	0	0	0	0	0	-	-	-
Net Working Capital	-661,777	112,697	111,048	92,948	65,678	89,160	85,803	209,393	194,026	898,404	892,524	903,972	827,278	829,984	836,948	701,377	684,890	681,534	654,995	666,011	701,183	699,517	669,967	643,105	622,307	599,765	564,497	552,155	566,732	543,945	520,784	520,416	519,214	480,633	479,806	-383,485	469,201	468,902	451,067	442,917	418,454	416,891	405,990	383,685	352,746	-302,973	340,978	341,170	340,479	331,842	0	0	0	0	-	-	-
Non Current Assets Total	941,504	24,771	25,593	25,948	10,615	28,214	27,531	28,621	24,322	23,245	23,973	25,785	26,990	30,046	27,152	28,493	26,953	25,533	22,735	23,210	15,415	15,713	16,174	16,345	16,253	16,396	17,117	15,926	16,066	15,309	15,507	14,633	15,765	15,946	16,911	455,049	17,211	20,722	21,680	19,081	19,744	21,174	21,656	21,868	28,215	339,430	25,442	13,824	8,136	7,814	0	0	0	0	-	-	-
Non Current Liabilities Other	0	0	76,281	52,040	57,812	60,119	46,112	17,231	0	0	17,072	20,667	15,976	24,309	96,900	24,607	25,183	29,470	31,694	40,824	91,370	105,268	78,242	63,711	65,607	34,307	31,559	32,839	60,304	44,344	40,991	39,781	46,144	29,522	0	32,951	23,628	36,658	26,050	46,770	35,369	47,686	40,943	44,482	29,511	25,421	11,080	0	0	0	0	0	0	0	-	-	-
Non Current Liabilities Total	179,073	56,772	77,003	385	873,198	109	47,635	17,855	17,876	18,085	18,294	18,496	18,726	26,524	87,402	15,266	15,510	20,702	24,476	33,408	84,000	96,500	71,000	56,000	59,000	28,000	25,000	25,631	54,792	37,453	35,613	31,374	40,435	24,096	26,256	32,951	18,417	30,578	20,738	39,899	28,060	43,221	40,381	40,542	21,864	25,421	8,024	8,185	8,346	8,506	0	0	0	0	-	-	-
Non Currrent Assets Other	32,562	-24,771	-25,593	-25,948	-17,093	-28,214	29,789	33,533	0	0	-17,718	-19,310	-26,990	-13,296	701,426	-11,236	625,618	620,866	575,691	594,700	632,266	630,103	603,273	571,267	560,899	537,858	503,301	498,530	352	2	472,080	-1	485	440,813	443,054	16,224	-8,717	615	420,496	405,520	395,119	631	378,159	357,639	315,922	12,953	2,314	2,558	-3,035	-7,814	0	0	0	0	-	-	-
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Other Assets	0	892,120	873,514	885,082	894,610	864,763	817,690	720,802	701,143	951,356	947,151	962,436	888,392	897,424	898,813	766,129	746,806	740,852	708,691	720,839	732,150	731,036	702,397	675,876	661,497	638,932	605,368	591,302	604,449	581,515	557,266	558,171	556,525	517,967	520,358	0	30,791	3	574	488,021	465,329	463,785	453,384	431,433	409,259	41,840	391,940	368,896	356,833	347,554	0	0	0	26,541	-	-	-
Other Current Assets	53,717	105,880	103,844	85,307	61,578	79,532	83,060	3,414	701,143	688,873	652,788	630,035	628,112	705,738	701,428	633,706	625,618	620,866	575,727	594,700	632,266	630,103	603,273	571,267	560,899	537,858	503,301	498,530	509,315	486,996	472,080	471,345	468,427	440,813	443,054	0	429,109	432,155	420,496	405,520	395,119	389,316	378,159	357,639	315,922	0	324,152	320,614	313,999	313,661	0	0	0	0	-	-	-
Other Current Liab	699,390	-588	-619	-5,543	-395	-5,749	-194	-38	-200	-48	-238	-133	-369	-213	-204	-224	-226	-212	-195	-201	-137	-93	-82	-81	-6,684	-6,375	-6,637	-7,295	-5,585	-6,952	-5,468	-8,489	-5,781	-5,442	-6,730	418,629	-5,296	-5,563	-5,958	-6,942	-7,387	-4,546	-4,082	-4,012	-83	312,083	-78	-78	-82	-84	0	0	0	0	-	-	-
Other Liab	0	0	0	11,497	9,364	9,870	10,132	11,020	9,937	10,419	10,391	13,773	8,842	9,461	9,498	9,341	9,673	8,768	7,218	7,416	7,370	8,768	7,242	7,792	6,684	6,375	6,637	7,295	5,585	6,953	5,468	8,489	5,781	5,487	6,774	0	5,296	6,156	5,384	6,942	7,388	4,546	4,082	4,012	3,886	3,640	3,134	3,116	3,109	2,524	0	0	0	4,393	-	-	-
Other Stockholder Equity	27,990	28,112	28,070	28,251	28,004	27,886	27,777	28,154	27,956	27,807	27,556	27,362	26,993	26,876	26,724	26,578	26,116	25,907	25,643	25,490	25,323	25,154	24,974	24,651	24,533	23,614	23,617	23,451	23,296	22,609	22,336	22,199	22,091	21,503	21,375	-954	22,478	22,412	21,849	21,800	21,754	22,460	22,772	23,275	23,191	-2,094	22,895	11,312	11,280	11,246	0	0	0	0	-	-	-
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Preferred Stock Total Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Property Plant And Equipment Gross	19,121	9,936	10,287	10,570	19,282	10,824	0	0	0	0	12,298	12,598	12,992	13,411	13,841	14,261	14,408	14,466	14,566	14,969	7,044	7,255	7,474	7,545	7,392	7,338	7,467	6,009	5,549	5,274	5,088	5,252	5,335	5,580	5,739	0	5,604	5,555	5,621	2,006	2,066	2,138	2,174	2,233	2,256	2,256	2,237	2,233	2,310	2,385	0	0	0	0	-	-	-
Property Plant And Equipment Net	9,736	9,936	10,287	10,570	10,615	10,824	11,180	11,507	11,630	11,974	12,298	12,598	12,992	13,411	13,841	14,261	14,408	14,466	14,566	14,969	7,044	7,255	7,474	7,545	7,392	7,338	7,467	6,009	5,549	5,273	5,088	5,252	5,335	5,580	5,739	0	5,604	5,555	5,621	2,006	2,066	2,138	2,174	2,233	2,256	0	2,237	2,233	2,310	2,385	0	0	0	0	-	-	-
Property Plant Equipment	0	0	5,321	5,370	5,513	10,824	11,180	11,507	11,630	11,974	12,298	6,123	12,992	6,466	6,675	6,877	6,767	6,570	6,683	6,833	7,044	7,255	7,474	7,545	7,392	7,338	7,467	6,009	5,549	5,274	5,088	5,252	5,335	5,580	5,739	5,739	5,604	5,555	5,621	2,006	2,066	2,138	2,174	2,233	2,280	2,256	2,237	2,233	2,310	2,385	0	0	0	3,295	-	-	-
Retained Earnings	73,627	73,438	72,923	71,362	70,792	68,309	66,203	66,139	65,237	63,905	61,758	59,975	58,226	55,170	53,224	51,488	51,410	49,899	48,710	47,252	46,165	44,879	43,405	41,792	40,493	39,558	39,089	38,037	36,873	35,500	34,228	33,161	30,939	30,027	29,046	30,202	27,907	28,025	27,348	26,239	25,149	24,287	23,410	22,675	20,736	20,736	19,848	19,235	18,641	18,096	0	0	0	15,874	-	-	-
Retained Earnings Total Equity	0	0	72,923	71,362	70,792	68,309	66,203	66,139	0	0	61,758	59,975	58,226	55,170	53,224	51,488	51,410	49,899	48,710	47,252	46,165	44,879	43,405	41,792	40,493	39,558	39,089	38,037	36,873	35,496	34,228	33,160	32,240	31,168	0	30,202	29,107	28,024	27,348	26,239	25,149	24,288	23,410	22,546	21,533	20,736	19,848	0	0	0	0	0	0	0	-	-	-
Short Long Term Debt	15,000	0	0	0	43,000	0	0	0	0	0	0	0	0	0	0	0	7,500	12,450	0	0	17,600	96,500	71,000	56,000	59,000	28,000	25,000	25,631	54,792	0	0	0	40,435	0	0	0	0	30,578	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Short Long Term Debt Total	56,538	56,772	77,003	52,229	60,124	61,914	47,635	17,855	17,876	18,085	18,294	18,496	18,726	26,524	87,402	15,266	15,510	20,702	24,476	33,408	84,000	96,500	71,000	56,000	59,000	28,000	25,000	25,631	54,792	37,453	35,613	31,374	40,435	24,096	26,256	0	18,417	30,578	20,738	39,899	28,060	43,221	40,381	40,542	21,864	44,764	8,024	8,185	8,346	8,506	0	0	0	0	-	-	-
Short Term Debt	16,104	40,278	5,306	5,543	5,448	5,749	5,980	6,211	6,242	6,462	6,681	6,894	7,134	7,348	7,561	7,766	8,010	8,252	8,226	8,408	0	0	71,000	56,000	59,000	28,000	25,000	25,631	54,792	0	0	0	40,435	0	0	0	0	30,578	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Short Term Investments	8,287	7,980	8,398	8,601	10,207	10,396	9,382	10,223	8,419	7,060	7,524	9,078	10,218	13,296	10,198	11,236	9,306	7,841	4,964	4,955	4,957	5,011	5,118	5,268	5,435	5,688	6,200	6,359	6,604	6,995	7,393	6,286	6,696	7,140	7,901	7,901	8,717	11,524	12,944	14,082	14,730	15,421	16,639	16,965	22,900	22,900	20,891	9,033	0	0	0	0	0	0	-	-	-
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Total Assets	995,221	1,030,176	1,010,774	1,004,363	976,351	982,246	937,004	958,854	919,691	928,111	923,178	936,651	861,402	867,378	871,661	737,636	719,853	715,319	685,956	697,629	716,735	715,323	686,223	659,531	645,244	622,536	588,251	575,376	588,383	566,206	541,759	543,538	540,760	502,021	503,447	491,708	491,708	495,190	479,279	468,940	445,585	442,611	431,728	409,565	381,044	381,044	366,498	355,072	348,697	339,740	0	0	0	334,639	-	-	-
Total Current Assets	53,717	113,285	111,667	93,333	71,126	89,269	91,783	209,431	194,226	904,866	899,205	910,866	834,412	837,332	844,509	709,143	692,900	689,786	663,221	674,419	701,320	699,610	670,049	643,186	628,991	606,140	571,134	559,450	572,317	550,897	526,252	528,905	524,995	486,075	486,536	35,223	474,497	474,465	457,025	449,859	425,841	421,437	410,072	387,697	352,829	12,727	341,056	341,248	340,561	331,926	0	0	0	0	-	-	-
Total Current Liabilities	715,494	588	619	385	5,448	109	5,980	38	200	6,462	6,681	6,894	7,134	7,348	7,561	7,766	8,010	8,252	8,226	8,408	137	93	82	81	6,684	6,375	6,637	7,295	5,585	6,952	5,468	8,489	5,781	5,442	6,730	418,708	5,296	5,563	5,958	6,942	7,387	4,546	4,082	4,012	83	315,700	78	78	82	84	0	0	0	0	-	-	-
Total Liab	894,567	929,938	910,850	905,758	878,646	887,290	843,947	865,004	826,333	836,205	833,643	849,095	775,918	785,048	791,426	659,389	642,127	639,303	611,391	624,706	645,108	645,193	617,740	592,985	580,084	559,192	525,381	513,748	528,108	507,888	484,948	487,984	486,240	449,113	451,615	439,933	439,933	444,545	429,870	420,753	398,794	396,106	385,805	364,068	337,587	337,587	324,202	325,030	319,231	311,027	0	0	0	307,736	-	-	-
Total Permanent Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Total Stockholder Equity	100,654	100,238	99,924	98,605	97,705	94,956	93,057	93,850	93,358	91,906	89,535	87,556	85,484	82,330	80,235	78,247	77,726	76,016	74,565	72,923	71,627	70,130	68,483	66,546	65,160	63,344	62,870	61,628	60,275	58,318	56,811	55,554	54,520	52,908	51,832	51,788	51,775	50,645	49,409	48,187	46,791	46,505	45,923	45,497	43,457	43,457	42,296	30,042	29,466	28,713	0	0	0	26,903	-	-	-
Treasury Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-

Cash Flow

Currency in USD. All numbers in thousands.

	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31
Begin Period Cash Flow	57,836	183,590	193,828	55,770	61,810	60,680	54,582	48,264	29,289	15,334	12,727	17,031	9,092	15,679
Capital Expenditures	444	398	225	407	654	641	2,474	1,007	1,112	3,972	343	265	187	252
Cash And Cash Equivalents Changes	0	-125,754	0	138,058	-6,040	1,130	6,098	6,318	18,975	13,955	2,607	-4,304	0	0
Cash Flows Other Operating	0	-1,251	0	280	1,244	628	-199	-105	-710	-50	-2,076	641	0	0
Change In Cash	-8,146	-125,754	-10,238	138,058	-6,040	1,130	6,098	6,318	18,975	13,955	2,607	-4,304	7,939	-6,587
Change In Working Capital	-346	-2,382	563	-580	2,876	964	636	-578	-612	1,644	-416	1,560	-420	-1,657
Change Receivables	0	-866	0	-48	81	-310	-161	-208	-111	-131	-86	-46	0	0
Change To Account Receivables	-369	-866	37	-48	81	-310	-161	-208	-111	-131	-86	-46	46	25
Change To Inventory	0	0	0	0	2,114	-700,106	-628,198	-572,688	-525,492	-472,684	-421,766	-351,222	0	2,741
Change To Liabilities	0	-58	0	-551	2,033	769	1,102	-265	-470	1,497	876	1,076	0	0
Change To Netincome	0	2,648	7,767	-10,665	45	1,169	19	1,507	-928	-501	3,110	4,131	0	0
Change To Operating Activities	0	-536	526	-532	2,795	1,274	797	-370	-501	1,775	0	0	0	0
Depreciation	1,652	1,599	1,587	1,824	1,523	989	943	793	1,288	1,344	1,470	1,458	1,254	1,383
Dividends Paid	1,913	2,031	2,039	2,072	1,434	1,367	1,505	745	574	504	388	0	0	26
End Period Cash Flow	49,690	57,836	183,590	193,828	55,770	61,810	60,680	54,582	48,264	29,289	15,334	12,727	17,031	9,092
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	6,869	9,656	18,848	-891	10,409	9,684	4,353	6,141	2,639	2,831	7,423	9,944	7,045	6,530
Investments	-23,301	-185,177	1,579	4,496	-5,168	-70,579	-47,662	-42,143	-25,254	-36,365	-60,113	-54,111	0	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Borrowings	0	43,000	43,000	4,082	-73,526	23,931	4,208	14,357	9,857	-12,643	21,357	13,358	0	0
Net Income	7,439	8,804	9,156	8,937	6,679	7,039	5,125	5,378	4,790	4,240	3,940	2,640	1,551	1,331
Other Cashflows From Financing Activities	17,511	53,443	50,989	283	233,417	301,740	261,906	179,956	95	151	31	26,246	83,357	84,946
Other Cashflows From Investing Activities	0	-1,786	-6,056	-57	36	-279	13,798	252	736	1,447	-1,026	3,019	2,481	1,977
Other Non Cash Items	-1,415	2,027	7,252	-11,221	-631	937	-506	1,053	-1,774	-621	2,214	4,222	4,500	5,866
Sale Purchase Of Stock	-2,137	-1,868	-152	-73	526	539	714	680	-1,261	-904	-1,202	12,658	0	0
Stock Based Compensation	450	475	360	338	267	273	523	525	418	333	168	167	132	132
Total Cash From Financing Activities	11,292	49,767	48,629	134,046	-11,317	62,304	35,609	42,068	40,854	46,054	56,356	37,262	5,314	-4,231
Total Cash From Operating Activities	7,313	10,054	19,073	-484	11,063	10,325	6,827	7,148	3,751	6,803	7,766	10,209	7,232	6,782
Total Cashflows From Investing Activities	0	-185,575	-77,940	4,496	-5,786	-71,499	-36,338	-42,898	-25,630	-38,902	-61,515	-51,775	0	0

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-05-14	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31
Begin Period Cash Flow	101,890	100,169	81,579	57,836	76,064	80,051	197,091	183,590	206,702	236,815	269,593	193,828	115,762	130,537	61,996	55,770	58,873	80,422	72,536	61,810	62,292	59,434	64,689	60,680	60,651	59,956	52,807	54,582	55,275	45,187	49,679	48,264	36,669	34,087	35,223	29,289	29,289	22,139	28,866	14,614	15,334	13,961	11,760	8,795	15,655	15,655	19,400	25,409	17,031	13,039	14,934	5,734	9,092	0
Capital Expenditures	219	63	127	35	173	58	83	84	52	63	81	29	11	1	40	355	427	118	85	24	33	37	181	390	2,495	122	1,710	663	475	385	677	824	572	61	285	285	194	3,754	104	63	51	85	58	67	129	2,752	108	13	15	187	0	0	13	252
Cash And Cash Equivalents Changes	0	0	18,590	23,743	-18,228	-3,987	-117,040	13,501	0	0	-32,778	75,765	78,066	-14,775	68,541	6,226	-3,103	-21,549	7,886	10,726	-482	2,858	-5,255	4,009	29	695	7,149	-1,775	-693	10,088	-4,492	1,415	11,595	2,582	0	-1,136	5,934	7,150	-6,727	14,252	-720	1,373	2,201	2,965	-3,932	0	0	0	0	0	0	0	0	0
Cash Flows Other Operating	0	0	-3,625	-374	-493	209	-1,049	82	0	0	-1,943	-1,879	3,165	-1,209	-1,947	271	1,421	307	-1,323	839	-8	1,055	-1,461	1,042	283	53	-1,007	472	225	179	-198	-311	-1,489	1,658	0	-1,077	198	557	60	-463	-204	-1,374	75	-230	-547	0	0	0	0	0	0	0	0	0
Change In Cash	-52,200	1,721	18,590	23,743	-18,228	-3,987	-117,040	13,501	-23,112	-30,113	-32,778	75,765	78,066	-14,775	68,541	6,226	-3,103	-21,549	7,886	10,726	-482	2,858	-5,255	4,009	29	695	7,149	-1,775	-693	10,088	-4,492	1,415	11,595	2,582	-1,136	-1,136	5,934	7,150	-6,727	14,252	-720	1,373	2,201	2,965	-2,928	-2,928	-3,745	-6,009	8,378	3,992	-1,895	9,200	-3,358	0
Change In Working Capital	593	-315	-407	-272	-551	-2,243	-104	516	4,689	-5,639	-2,361	3,874	34	-545	765	-834	978	1,228	619	51	-868	1,540	-931	1,223	883	-993	-987	1,733	-935	872	-2,511	1,996	-492	-24	1,161	-852,686	-1,257	1,473	-1,804	-424	2,399	-518	151	413	2,613	-2,428	-345	-52	-656	202	-136	-500	14	0
Change Receivables	0	0	52	-69	-274	-459	-233	100	0	0	82	94	282	-190	-141	1	0	-98	120	59	-83	20	-262	15	-34	-266	77	62	-186	-38	3	13	-155	41	0	-46	49	-51	-55	-13	-12	-53	20	-30	-23	0	0	0	0	0	0	0	0	0
Change To Account Receivables	-37	-315	52	-69	-274	-459	-233	100	14	-153	82	94	282	-190	-141	1	-81	-98	120	59	-83	20	-262	15	-34	-266	77	62	-186	-38	3	13	-155	41	-46	0	49	-51	-55	-13	-12	-53	20	-30	-31	-31	-15	0	81	46	43	0	0	25
Change To Inventory	0	0	0	0	0	0	0	0	-166	-910,162	-901,753	-906,850	-834,816	324	708	-1,090	-691,855	-688,477	-662,716	-674,491	-702,149	-698,101	-670,719	-641,982	-628,083	-606,857	-572,189	-557,793	-573,077	-549,959	-528,774	-526,932	-525,343	-486,122	-485,323	0	-475,812	-472,945	-458,775	-450,262	-423,427	-421,908	-409,945	-387,248	-350,190	2,145	0	1,313	919	0	0	0	0	2,741
Change To Liabilities	0	0	1,079	1,070	533	-1,224	197	436	0	0	-2,468	4,117	47	-543	825	-880	1,075	1,032	455	-529	-911	881	162	637	740	-780	-40	1,182	-974	958	-2,435	2,186	620	-1,701	3	1,937	-1,326	1,076	-1,962	-92	2,475	665	-215	434	-8	0	0	0	0	0	0	0	0	0
Change To Netincome	0	0	-756	-1,028	1,726	-1,328	1,884	366	79	444	6,212	2,765	4,481	-7,716	-380	-3,921	-681	-248	215	759	-392	293	454	814	-1,147	782	1,403	-1,019	1,275	-1,490	657	1,065	-979	2,346	0	-1,650	-645	1,548	-602	-427	-1,020	1,803	747	336	224	0	0	0	0	0	0	0	0	0
Change To Operating Activities	0	0	-780	-780	703	-1,784	129	416	4,675	-5,486	-2,443	3,780	414	-1,017	906	-835	978	1,326	499	-8	-785	1,520	-669	1,208	797	-727	-1,064	489	-370	0	0	0	-501	0	0	0	0	1,775	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	419	409	410	414	568	414	410	207	396	387	381	423	432	431	459	502	724	329	235	235	244	256	252	237	237	251	252	203	200	199	51	343	242	389	335	372	322	290	348	351	355	356	375	368	400	400	363	390	305	357	302	295	300	0
Dividends Paid	488	489	494	442	440	439	443	709	445	445	447	702	389	389	391	903	359	359	359	357	356	355	353	303	251	753	251	250	187	186	186	186	148	149	152	152	125	126	126	126	126	128	131	129	0	0	0	0	0	0	0	0	0	26
End Period Cash Flow	49,690	101,890	100,169	81,579	57,836	76,064	80,051	197,091	183,590	206,702	236,815	269,593	193,828	115,762	130,537	61,996	55,770	58,873	80,422	72,536	61,810	62,292	59,434	64,689	60,680	60,651	59,956	52,807	54,582	55,275	45,187	49,679	48,264	36,669	34,087	35,223	35,223	29,289	22,139	28,866	14,614	15,334	13,961	11,760	12,727	12,727	15,655	19,400	25,409	17,031	13,039	14,934	5,734	9,092
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	1,324	2,900	-288	1,927	4,419	-116	2,533	2,820	6,974	-2,279	6,402	7,751	9,092	-7,068	721	-3,636	3,413	2,763	1,442	2,791	531	4,238	948	3,967	3,774	1,097	293	1,663	1,645	410	384	3,702	-1,317	3,804	498	498	-346	543	-983	611	2,660	2,448	2,062	2,094	5,096	5,096	800	1,956	2,092	1,956	1,644	1,232	2,387	6,530
Investments	-19,147	-19,963	15,168	-2,923	-15,951	-46,782	-96,251	-26,193	-1,411	414	-26,949	-32	77,515	-1,212	-63,937	-7,460	-9,041	-50,443	19,322	34,994	-2,399	-26,308	-30,597	-11,275	-21,204	-34,174	-4,404	12,120	-23,981	-12,265	-4,100	-1,797	-24,129	-387	0	-10,233	9,495	-12,941	-11,460	-8,471	-3,493	-10,228	-21,777	-17,843	-10,265	0	0	0	0	0	0	0	0	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Borrowings	0	0	25,000	-8,000	-1,500	14,500	30,000	30,000	30,000	30,000	0	0	-7,594	-60,665	72,341	72,341	-4,752	-3,648	-8,399	-56,727	-12,500	24,980	14,451	-3,000	31,000	3,000	-631	-29,161	17,339	1,840	4,239	-9,061	16,339	-2,160	0	7,839	-12,161	9,840	-19,161	11,839	-15,161	2,840	-161	14,839	3,839	0	0	0	0	0	0	0	0	0
Net Income	1,211	1,169	2,891	2,168	2,923	2,545	1,613	1,723	1,862	2,592	2,251	2,451	3,494	2,335	2,127	981	1,870	1,548	1,817	1,444	1,642	1,829	1,966	1,602	1,186	1,222	1,303	1,414	1,564	1,454	1,254	1,106	1,220	1,115	1,247	1,247	1,208	802	1,235	1,216	987	1,006	995	1,142	888	888	613	593	546	420	181	454	496	1,331
Other Cashflows From Financing Activities	-31,024	19,210	20,413	33,380	-5,827	43,911	-20,067	37,814	-9,382	3,120	-11,865	68,916	85,471	66,304	132,206	33,762	198	40,613	17,352	92,481	500	169,352	87,747	90,866	-431	98,091	53,155	29,630	49,870	69,790	24,171	36,125	-326	29,373	-459	1,950	466	-16,963	71,765	58,211	366	-200	67,068	94,350	14,083	-211	11,134	5,634	8,067	37	22,552	37,372	23,396	0
Other Cashflows From Investing Activities	0	0	703	703	-1,786	-1,786	0	0	-34	-3,000	-3,029	7	-43	-69	-58	113	438	-173	-46	-183	36	-69	-51	-246	154	-66	13,487	223	121	-1	132	132	235	101	400	169	231	80	237	188	942	-1	640	1,525	-3,190	2,601	2,334	1,492	984	2,481	0	0	0	1,977
Other Non Cash Items	-295	1,385	-1,775	-1,593	2,463	-1,741	1,535	-230	399	-390	6,955	288	5,243	-9,855	-1,948	-4,661	325	-830	-535	409	-152	-73	383	779	-1,371	630	1,427	-1,006	1,786	-1,117	523	1,037	-1,452	2,440	-1,895	0	-343	1,825	-780	-734	-1,506	1,213	-57	-288	1,028	-1,050	277	1,038	20,682	977	1,297	983	14,808	0
Sale Purchase Of Stock	-738	-229	-1,161	-199	-1	-95	-1,612	-160	-122	-30	-30	-73	-73	100	100	277	82,642	192	105	128	79,157	0	29	73	81,418	0	22	11	516	147	11	6	1,261	13	-1,213	-1,207	-48	904	4	0	-904	-657	-545	0	0	0	0	0	0	0	0	0	0	0
Stock Based Compensation	82	292	87	192	91	90	91	203	65	64	65	166	55	52	46	185	108	72	48	39	72	67	89	45	238	-3	144	144	171	126	126	102	96	115	104	0	103	44	45	46	198	42	42	41	134	0	0	0	33	0	0	0	33	0
Total Cash From Financing Activities	-35,175	18,721	3,007	24,739	-6,696	42,911	-23,322	36,874	-9,773	2,675	-12,312	68,039	-8,552	-6,426	131,815	17,209	2,087	26,304	-12,832	-26,876	1,350	24,997	24,394	11,563	19,779	33,838	-2,227	-15,781	21,522	21,944	-776	-622	36,806	-936	8,430	8,430	-3,446	19,469	5,478	21,924	-817	9,154	21,276	17,189	12,909	12,909	10,973	5,473	7,907	-124	2,391	10,512	-7,465	0
Total Cash From Operating Activities	1,543	2,963	-161	1,962	4,592	-58	2,616	2,904	7,026	-2,216	6,483	7,780	9,103	-7,067	761	-3,281	3,840	2,881	1,527	2,815	564	4,275	1,129	4,357	1,279	1,219	2,003	2,326	2,120	795	-293	4,526	-745	3,865	783	783	-152	4,297	-879	674	2,711	2,533	2,120	2,161	5,225	5,225	908	1,969	2,107	1,956	1,644	1,232	2,400	6,782
Total Cashflows From Investing Activities	0	0	15,744	-2,958	-16,124	-46,840	-96,334	-26,277	-20,365	-30,572	-26,949	-54	77,515	-1,282	-64,035	-7,702	-9,030	-50,734	19,191	34,787	-2,396	-26,414	-30,778	-11,911	-21,029	-34,362	7,373	11,680	-24,335	-12,651	-3,423	-2,489	-24,466	-347	0	-10,349	9,532	-16,616	-11,326	-8,346	-2,614	-10,314	-21,195	-16,385	-13,621	0	0	0	0	0	0	0	0	0

Income Statement

Currency in USD. All numbers in thousands.

	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31
Cost Of Revenue	0	0	0	0	0	0	0	0	-45	1	3,662	6,885	7,381	8,938
Depreciation And Amortization	1,652	1,599	1,587	1,824	1,523	989	943	793	1,288	1,344	1,470	1,458	1,254	1,383
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Ebit	0	14,745	11,428	11,328	8,330	14,105	11,561	10,992	9,831	9,001	8,067	6,231	4,980	6,164
Ebitda	1,652	16,344	13,015	13,152	9,853	15,094	12,504	11,785	11,119	10,345	9,537	7,689	6,234	7,547
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Extraordinary Items	0	0	0	0	0	1,200	-309	0	0	0	0	0	0	0
Gross Profit	55,602	39,877	37,249	34,931	30,990	32,093	27,940	27,248	24,964	23,305	22,226	20,774	18,426	19,050
Income Before Tax	9,000	10,876	11,428	11,328	8,330	8,745	8,193	8,073	7,035	6,578	5,755	3,871	2,199	1,876
Income Tax Expense	1,561	2,072	2,272	2,391	1,651	1,706	3,068	2,695	2,289	2,338	1,815	1,231	648	545
Interest Expense	16,759	4,500	3,954	7,450	7,617	5,360	3,368	2,919	2,752	2,422	2,312	2,360	2,781	4,288
Interest Income	49,093	39,795	33,874	34,936	34,581	32,947	27,449	25,050	22,453	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income	7,439	8,804	9,156	8,937	6,679	7,039	5,125	5,378	4,746	4,240	3,940	2,640	1,551	1,331
Net Income Applicable To Common Shares	0	8,804	9,156	8,937	6,679	7,039	5,125	5,378	4,790	4,240	3,940	2,640	1,551	1,331
Net Income From Continuing Ops	9,151	8,804	9,156	8,937	9,981	7,039	5,125	5,378	4,790	4,240	3,940	2,640	0	0
Net Interest Income	35,971	35,295	29,920	27,486	26,964	27,587	24,081	22,131	19,701	0	0	0	0	0
Non Operating Income Net Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Recurring	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income	44,431	14,745	11,428	11,328	8,330	14,105	11,561	10,992	9,831	9,001	8,067	6,231	4,980	6,164
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Operating Expenses	46,602	25,132	25,821	23,603	19,930	17,988	16,379	14,817	13,382	12,653	12,056	8,851	8,561	9,877
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reconciled Depreciation	1,801	1,599	1,587	1,824	931	989	943	0	0	0	0	0	0	0
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling And Marketing Expenses	0	390	415	249	376	0	0	0	0	0	0	0	0	0
Selling General Administrative	17,135	16,415	23,664	20,792	20,690	18,145	15,081	14,866	13,217	12,324	11,156	8,798	8,465	9,779
Tax Provision	1,958	2,072	2,272	2,391	1,651	1,706	3,068	2,695	2,289	0	0	0	0	0
Total Operating Expenses	11,171	-25,132	-25,821	-23,603	19,930	-17,988	-16,379	14,817	13,427	12,652	12,056	8,851	8,561	9,877
Total Other Income Expense Net	9,000	-3,869	11,428	11,328	8,330	-5,360	-3,368	-2,919	-2,796	-2,423	-2,312	-2,360	-2,781	-4,288
Total Revenue	55,602	39,877	37,249	34,931	30,990	32,093	27,940	27,248	24,919	23,306	22,226	20,774	18,426	19,050

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-05-14	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31
Cost Of Revenue	0	0	0	0	0	0	0	0	0	0	0	275	0	0	0	0	-1	0	0	0	0	0	0	1,123	1,181	1,130	762	795	1	730	809	867	-45	786	880	0	789	1	812	796	810	-1	1,028	994	819	1,426	1,671	1,687	2,101	1,915	1,981	1,908	1,577	8,938
Depreciation And Amortization	419	409	410	414	568	414	410	207	396	387	381	423	432	431	459	502	724	329	235	235	244	256	252	237	237	251	252	203	200	199	51	343	242	389	335	0	322	290	348	351	355	356	375	368	400	400	363	390	305	357	302	295	300	0
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Ebit	0	1,055	3,059	5,104	5,063	4,391	2,517	2,776	2,518	4,040	3,889	4,541	6,367	4,771	4,481	3,159	4,326	3,873	4,163	3,586	3,670	3,688	3,700	3,048	3,184	2,706	2,702	2,969	3,048	2,941	2,596	2,407	2,529	2,360	2,516	1,836	2,424	2,128	2,432	2,385	2,055	2,109	1,995	2,225	1,895	1,319	1,489	1,456	1,392	1,270	905	1,335	1,470	0
Ebitda	419	1,464	3,469	5,518	5,631	4,805	2,927	2,983	2,914	4,427	4,270	4,964	6,799	5,202	4,940	3,661	5,050	4,202	4,398	3,821	3,914	3,944	3,952	3,285	3,421	2,957	2,954	3,172	3,248	3,140	2,647	2,750	2,771	2,749	2,851	0	2,746	2,418	2,780	2,736	2,410	2,465	2,370	2,593	2,295	0	1,852	1,846	1,697	1,627	1,207	1,630	1,770	0
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Extraordinary Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	275	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit	14,403	9,249	10,635	10,340	10,706	10,623	9,407	9,141	9,199	9,748	9,063	9,240	10,291	8,728	8,475	7,437	7,963	7,713	7,317	7,997	8,107	8,395	8,031	7,560	7,397	7,012	6,737	6,793	7,342	6,961	6,644	6,301	6,467	6,157	6,436	6,236	5,859	5,949	6,214	5,764	5,377	5,658	5,433	5,700	5,369	16,249	5,185	4,828	5,390	4,643	4,254	4,913	4,614	14,302
Income Before Tax	1,354	1,464	3,469	2,715	3,462	3,212	2,023	2,181	2,271	3,255	2,825	3,078	4,495	2,923	2,669	1,241	2,299	1,943	2,285	1,802	1,967	2,275	2,478	2,025	2,253	1,826	1,939	2,174	2,284	2,212	1,887	1,690	1,789	1,693	1,836	1,836	1,735	1,524	1,820	1,789	1,445	1,488	1,417	1,681	1,319	1,319	893	868	791	605	224	652	718	1,876
Income Tax Expense	143	295	577	547	539	666	409	458	407	663	574	627	1,001	588	541	260	429	395	468	358	325	445	512	423	1,067	604	636	760	721	757	633	583	613	564	589	589	527	722	585	573	458	482	423	539	431	431	281	275	245	185	43	198	222	545
Interest Expense	599	4,518	3,668	2,803	2,132	1,179	594	595	643	785	1,064	1,463	1,873	1,848	1,812	1,918	2,025	1,930	1,878	1,784	1,701	1,413	1,222	1,023	931	880	763	795	763	730	709	717	698	685	680	0	689	604	612	596	610	622	578	544	576	576	596	588	601	665	681	683	752	4,288
Interest Income	13,336	12,686	12,412	12,174	11,819	10,776	8,986	8,213	8,359	9,102	8,415	7,999	9,074	8,508	8,708	8,646	9,131	8,441	8,236	8,773	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income	1,211	1,169	2,892	2,168	2,923	2,546	1,614	1,723	1,864	2,592	2,251	2,451	3,494	2,335	2,128	981	1,870	1,548	1,817	1,444	1,642	1,830	1,966	1,602	1,186	1,222	1,303	1,414	1,562	1,455	1,254	1,107	1,176	1,129	1,247	1,247	1,208	802	1,235	1,216	987	1,006	994	1,142	888	888	612	593	546	420	181	454	496	1,331
Net Income Applicable To Common Shares	0	0	2,892	2,168	2,921	2,546	1,614	1,723	1,864	2,592	2,251	2,451	3,494	2,335	2,128	981	1,870	1,548	1,817	1,444	1,641	1,830	1,966	1,602	1,186	1,222	1,303	1,414	1,564	1,454	1,254	1,106	1,220	1,115	1,247	1,247	1,208	802	1,235	1,216	987	1,007	994	1,142	797	888	612	593	546	420	181	454	496	1,331
Net Income From Continuing Ops	1,211	1,169	2,892	2,168	2,924	2,546	1,614	1,723	1,864	2,592	2,251	2,451	3,494	2,335	2,128	981	5,172	1,548	1,817	1,444	1,641	1,830	1,966	1,602	1,186	1,222	1,303	1,414	1,564	1,454	1,254	1,106	1,220	1,115	0	1,247	1,208	802	1,235	1,216	987	1,007	994	1,142	797	0	612	0	0	0	0	0	0	0
Net Interest Income	7,567	8,168	8,744	9,371	9,688	9,597	8,392	7,618	7,716	8,317	7,351	6,536	7,201	6,660	6,896	6,728	7,105	6,511	6,358	6,989	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Operating Income Net Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Recurring	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income	11,357	1,464	3,469	5,104	5,063	4,391	2,517	2,776	11,428	4,040	3,889	4,541	6,367	4,771	4,481	3,159	4,326	3,873	4,163	3,586	3,670	3,688	3,700	3,048	3,184	2,706	2,702	2,969	3,048	2,941	2,596	2,407	2,529	2,360	2,516	1,836	2,424	2,128	2,432	2,385	2,055	2,109	1,995	2,225	1,895	2,206	1,489	1,456	1,392	1,270	905	1,335	1,470	5,721
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Operating Expenses	13,049	7,785	7,166	5,236	19,337	6,232	6,890	6,365	17,186	5,708	5,174	275	15,446	3,957	3,994	5,087	15,576	4,920	4,517	4,411	15,010	4,707	4,331	4,512	12,815	4,306	3,455	3,692	12,717	3,829	3,626	3,577	11,487	3,276	3,605	0	2,980	10,557	3,306	3,111	3,099	9,227	2,954	2,946	7,347	0	2,638	2,544	2,320	3,373	2,168	3,578	2,638	0
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reconciled Depreciation	419	409	410	414	568	414	410	207	396	387	381	423	432	906	241	245	724	329	235	235	244	256	252	237	237	251	252	203	200	199	51	343	242	389	335	0	322	290	348	351	355	356	375	368	400	400	363	390	305	357	302	295	300	0
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling And Marketing Expenses	0	0	0	0	390	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling General Administrative	755	4,148	4,700	4,485	89	6,589	6,345	6,403	6,477	5,877	5,579	5,730	5,347	5,088	4,909	5,449	5,115	5,010	4,679	5,886	4,905	4,607	4,253	4,380	3,898	3,779	3,691	3,712	3,817	3,813	3,702	3,690	3,485	3,298	3,258	4,400	3,158	3,244	3,153	2,967	2,959	3,122	2,683	2,696	1,451	2,892	2,606	2,512	2,229	1,515	2,112	2,238	2,599	7,198
Tax Provision	142	295	577	547	539	666	409	458	407	663	574	627	1,001	588	541	260	430	395	468	358	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Operating Expenses	3,046	-7,785	-7,166	-5,236	-19,337	-6,232	-6,890	-6,365	-17,186	-5,708	-5,174	-4,699	-15,446	-3,957	-3,994	5,087	-15,575	4,920	4,517	-4,411	-15,010	-4,707	-4,331	-4,512	-12,815	-4,306	3,455	3,692	-12,718	3,829	3,626	3,577	-11,442	3,276	3,605	4,400	2,980	-10,558	3,306	3,111	3,099	-9,226	2,954	2,946	-7,347	5,000	2,638	2,544	2,320	-3,373	2,168	-3,578	2,638	0
Total Other Income Expense Net	1,354	1,464	3,469	-2,389	-1,601	-1,179	-494	-595	-9,157	-785	-1,064	-1,463	-1,872	-1,848	-1,812	-1,918	-2,027	-1,930	-1,878	-1,784	-1,703	-1,413	-1,222	-1,023	-931	-880	-763	-795	-764	-729	-709	-717	-740	-667	-680	0	-689	-604	-612	-596	-610	-621	-578	-544	-576	0	-596	-588	-601	-665	-681	-683	-752	0
Total Revenue	14,403	9,249	10,635	10,340	10,706	10,623	9,407	9,141	9,199	9,748	9,063	9,515	10,291	8,728	8,475	7,437	7,963	7,713	7,317	7,997	8,107	8,395	8,031	7,560	7,397	7,012	6,737	6,793	7,343	6,961	6,644	6,301	6,467	6,157	6,436	6,236	5,859	5,950	6,214	5,764	5,377	5,658	5,433	5,700	5,369	5,316	5,185	4,828	5,390	4,643	4,254	4,913	4,614	23,240

Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue	55,602
Cost of Revenue	-0
Gross Profit	55,602	55,602

Operating Income (+$)
Gross Profit	55,602
Operating Expense	-11,171
Operating Income	44,431	44,431

Operating Expense (+$)
Research Development	0
Selling General Administrative	17,135
Selling And Marketing Expenses	0
Operating Expense	11,171	17,135

Net Interest Income (+$)
Interest Income	49,093
Interest Expense	-16,759
Other Finance Cost	-3,637
Net Interest Income	35,971

Pretax Income (+$)
Operating Income	44,431
Net Interest Income	35,971
Other Non-Operating Income Expenses	0
Income Before Tax (EBT)	9,000	35,431 EBIT - interestExpense = -16,759 9,000 24,198
Interest Expense	16,759
Earnings Before Interest and Taxes (EBIT)	0	25,759
Earnings Before Interest and Taxes (EBITDA)	1,652

After tax Income (+$)
Income Before Tax	9,000
Tax Provision	-1,958
Net Income From Continuing Ops	9,151	7,042
Net Income	7,439
Net Income Applicable To Common Shares	0

Non-recurring Events
Discontinued Operations	0
Extraordinary Items	0
Effect of Accounting Charges	0
Other Items	0
Non Recurring	0
Other Operating Expenses	46,602
Total Other Income/Expenses Net	9,000	-35,971

Technical Analysis of Sound Financial Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Sound Financial Bancorp Inc. The general trend of Sound Financial Bancorp Inc is BULLISH with 42.9% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Sound Financial Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitions	Bullish trend (42.9%)		Bearish trend (-42.9%)
Overbought to neutral	Bullish pullback	=	Bearish reversal
Upper to lower neutral	Bullish correction	=	Bearish continuation
Nuetral to oversold	Oversold	=	Oversold
Oversold to neutral	Bullish reversal	=	Bearish correction
Lower to upper neutral	Bullish continuation	=	Bearish pullback
Nuetral to overbought	Overbought	=	Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.

Score

Let's take a look at the Support & Resistance of Sound Financial Bancorp Inc.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 39.64 < 40.02 < 40.06.

The bearish price targets are: 39.00 > 39.00 > 39.00.

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Sound Financial Bancorp Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

Moving averages are lagging trend indicators.
There are many types of moving averages.
Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Sound Financial Bancorp Inc. The current mas is .

The long score for the Moving Averages is 10/14.
The longshort score for the Moving Averages is 6/(-14 +14).

MA 20 trending down: The MA 20 is trending down. -1
Close < MA 20: The price is below the MA 20. -1
MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
MA 50 trending down: The MA 50 is trending down. -1
Close < MA 50: The price is below the MA 50. -1
MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
MA 100 trending up: The MA 100 is trending up. +1
Close > MA 100: The price is above the MA 100. +1
MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
MA 200 trending up: The MA 200 is trending up. +1
Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving Average	Amount of candles	vs. MA 50	vs. MA 100	vs. MA 200
MA 20	20
MA 50	50	-
MA 100	100	-	-
MA 200	200	-	-	-

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Shows the moving average of the selected period.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

There are various kinds of moving averages:

Simple moving average (SMA);
Exponential moving average (EMA);
Smoothed moving average (SMMA);
Linear weighted moving average (LWMA).

The moving average looks at a certain period of time and it calculates the price average. The various types of averages are using various formulas. Don’t worry, you don’t have to memorize any formula. All moving averages are calculated automatically by basically every charting software you use. But it’s good to know how moving averages are actually calculated.

Simple moving average

SMA is calculated by summing up the price closures of the selected period. The price is then divided by the selected period. For example, when using the 21 day moving average you sum up all the closing prices for each day and divide that by 21. The result is a line on the chart representing the average. Because it’s an average in the selected timeframe, the trend is always lagging. An moving average looks like this on the chart:

Source: Tradingview.com

In this case, the blue line represents a 21 day moving average. Because the average is based on results from the past, the indicator will always lag behind. For example, when price would suddenly go up, the moving average won't immediately follow.

All other moving averages discussed below look the same on the chart. The only difference is that the line will move in different directions based on the maths behind the used indicators and the amount of days used to determine the average.

Exponential moving average

The EMA gives more weight to the latest closing prices by giving them more value in the equation. EMA is calculated by adding a certain percentage to the latest closing prices:

EMA = (CLOSE (i) * P) + (EMA (i - 1) * (1 - P))

Where:

CLOSE (i) = current period close price.
EMA (i - 1) = value of the Moving Average of a preceding period.
P = the percentage of using the price value.

Smoothed moving average

A smoothed moving average is an exponential moving average with a long lookback period. Older prices are reduced in weight but are never left out in the calculation. Unlike SMA and EMA where prices are removed when they are beyond the selected period. SMMA is a combination of the SMA and EMA. The main advantage is that it smooths out fluctuations in price.

Linear weighted moving average

The LWMA gives the latest price the highest weight and then lineary scales down with each price before that. The result is that the LWMA reacts quicker to changes in price than the SMA or EMA. The formula:

LWMA = ((Pn∗W1)+(Pn−1∗W2)+(Pn−2∗W3)...) / ∑W

Where:

P = Price for the period.
n = The most recent period, n-1 is the prior period, and n-2 is two periods prior.
W = The assigned weight to each period, with the highest weight going first and then descending linearly based on the number of periods being used.

Moving averages are widely used by many traders. Which moving average you need depends on your trading strategy. Common practise is using a combination of multiple periods. For example, the EMA21, EMA50, EMA100 and EMA200. How does that look on a chart:

Source: Tradingview.com

The lowest (purple) line on the chart represents the EMA200 then following up the EMA100, EMA50 and EMA21.

You can use moving averages to determine a trend. The 200 moving average is mostly used as a baseline for determining the current trend:

When the 200 moving average is moving up it is considered a bullish trend.
When the 200 moving average is down it is considered a bearish trend.
When moving averages are flatlined, there is no clear trend so you should look for market structure, consolidation or trend reversals. Depending on how you want to trade.

This is not set in stone. Most trading strategies use multiple moving averages each with different settings. While one strategy might use the EMA20, the other uses the SMA21. There can be hundreds of different variations. Moving averages can also be used as support and resistance. More often than not, prices will bounce on moving averages.

Sound Financial Bancorp Inc Daily Moving Averages Chart

2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

MACD is a lagging momentum indicator.
Uses two moving averages.
Can show buy or sell signals based on momentum.
Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Sound Financial Bancorp Inc. The current macd is -0.23706363.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Sound Financial Bancorp Inc price going down in the near term. -2
MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Sound Financial Bancorp Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Sound Financial Bancorp Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1

Sound Financial Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart

2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.

Score

Let's take a look at the Directional Movement Index (DMI) of Sound Financial Bancorp Inc. The current adx is 21.20.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -2/(-7 +7).

PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Sound Financial Bancorp Inc shares, leading to potential downward momentum in its price. -1
PLUS_ID < MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bearish trend could be forming. -1

Sound Financial Bancorp Inc Daily Directional Movement Index (DMI) Chart

2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

Parabolic SAR (stop and reverse) is a lagging trend indicator.
Shows the current trend.
Shows potential entry signals.
Shows potential exit signals.
Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Sound Financial Bancorp Inc. The current sar is 40.68.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1

Sound Financial Bancorp Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

Leading momentum indicator, meaning the signals are instant.
Ranges between 0 and 100.
Above 70 is considered overbought.
Below 30 is considered oversold.
Above or below 50 can also be used to determine price trend or support and resistance.
RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Sound Financial Bancorp Inc. The current rsi is 29.93. The current phase is Oversold in bull market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 1/(-13 +13).

Oversold in bull market: Short-term excessive selling, potential for rebound. Consider buying at a perceived discount, watch for reversal signs. +1

Measures the speed and change of price movements.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

The RSI measures the magnitude of recent price changes to determine if the asset is overbought or oversold.

Overbought (RSI above 70) means that the trading price is above its intrinsic value. This might indicate a sell or short signal.
Oversold (RSI below 30) means that the trading price is below its intrinsic value. This might indicate a buy or long signal.
RSI levels above or below 50 can also be used to determine a trend.
RSI divergence looks at a deviation between RSI and price movement.
Can be used in many different ways.

Original usage

Keep in mind that almost every indicator can be used in different ways. Even beyond the orginal settings. The relative strength index was developed by J. Welles Wilder. Wilder recommended a smoothing period of 14 days. That means a 14 day moving average (read more about this setting below). Another quote from the wikipedia page:

Wilders also considers the RSI 50 line as both support and resistance. I recommend to always read the original settings first before using an indicator. Many traders and websites are using their own version of the indicator which might be confusing.

How you can use RSI (Divergence)

First and foremost, there is no real right or wrong usage of the RSI indicator. You can use it in any way you want. Wilder recommends using a 14 day average but you can make it 50 or 100 if you like. Just keep in mind that using an indicator is just part of a larger trading plan. In other words, it’s not recommended to do any trading or investing based on a single indicator like the RSI.

The RSI is measured on a scale between 0 and 100. From 30 till 0 is considered oversold. and from 70 -100 is overbought. The RSI is a leading indicator, meaning the signals are instant.

I like to use the RSI as a trend\momentum indicator and not as an overbought or oversold indicator. I use the middle (50) as the baseline. When prices go above RSI 50 the trend is bullish and can indicate long positions. When below 50 it is considered bearish and can indicate short positions. Other traders use the 70 and 30 levels as overbought/oversold depending on the used strategy. The RSI indicator looks like this:

Source: Tradingview.com

The general concensus is that an RSI above 70 indicates that the security is overbought. In other words, the price this security is trading for is to high and should come down. So if RSI hits 70 or above this might indicate a sell signal or taking a short position (expecting the price will go down). Although RSI above 70 indicates the security is trading above it's fair value, that does not mean the price will go down.

Use tradingview to add indicators

I highly recommend using tradingview to add indicators to a chart. It has all the indicators you can think off and can add them for free (up to three indicators) to any chart you want. You can see that the levels 30 and 70 are marked with a dotted line. If you want you can remove these lines or give it another colour using Tradingview. You can also adjust the moving average used. You can also find RSI indicators made by the community that include other settings like RSI divergences.

Tradingview

Use Tradingview to (back)test your strategies and add hundreds of indicators created by the community.

View tool on Tradingview.com

RSI divergence

RSI is not only used to determine momentum but can also spot reversals or continuations of the trend. A reversal means that the trend is going in the opposite direction. From bullish to bearish or from bearish to bullish. These reversals can be spotted by looking at the price and the direction of the RSI. When the price is going up but the RSI is going down that means there is a divergence. This is also the case when RSI goes up but price is going down.

There are four types of divergences:

Regular bullish divergence
Regular bearish divergence
Hidden bullish divergence
Hidden bearish divergence

Regular bullish divergence

With a regular bullish divergence, the price is making lower highs but the oscillator (in this case the RSI) is making higher lows. A regular bullish divergence might indicate the end of the current trend. You’ll see regular bullish divergences mostly at the end of a downtrend. But that does not mean that every regular bullish divergence is a trend reversal.

Price is making lower highs
RSI is making higher lows
Indicating bullish reversal (price might go up)

Source: Tradingview.com

Regular bearish divergence

With a regular bearish divergence the price is making higher highs but the oscillator (in this case the RSI) is making lower highs. This might indicate the end of an uptrend.

Price is making higher highs
RSI is making lower highs
Indicating bearish reversal

Source: Tradingview.com

Hidden bullish divergence

With a hidden bullish divergence, the price is making a higher low while the RSI is making a lower low. This might indicate bullish trend continuation.

Price is making higher lows
RSI is making lower lows
Indicating bullish continuation

Source: Tradingview.com

As you have noticed, you can have multiple divergences in a row.

Hidden bearish divergence

With a hidden bearish divergence, price is making lower highs but RSI is making higher highs. This might indicate bearish trend continuation.

Price is making lower highs
RSI making higher highs
Indicating bearish continuation

Source: Tradingview.com

You can find many cheatsheets of RSI divergences online. Search for "RSI divergence overview" and you'll find a lot of examples. You can print these to learn the various types of divergences.

Sound Financial Bancorp Inc Daily Relative Strength Index (RSI) Chart

3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

Leading momentum indicator, meaning the signals are instant.
Used to determine overbought and oversold areas much like the RSI.
Ranges between 0 and 100.
Above 80 is considered overbought.
Below 20 is considered oversold.
Consists of two lines named K and D.
K compares the highest high and lowest low on the selected price range.
The D line is a moving average of the K line.
Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Sound Financial Bancorp Inc. The current phase is Oversold in bull market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 0/(-6 +6).

STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
STOCH < 20: The STOCH %K is below 20 and oversold. -2
STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Sound Financial Bancorp Inc price going up in the near term. +2
Trending up: The STOCH %K is trending up. +1

Sound Financial Bancorp Inc Daily Stochastic Oscillator Chart

3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

Lagging or leading Momentum indicator
When the CCI is above zero, the price is above the historical average
When the CCI is below zero, the price is below the historical average
Used for spotting trends
- If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
- If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Sound Financial Bancorp Inc. The current cci is -176.19210366.

The long score for the Commodity Channel Index (CCI) is 0/1.
The longshort score for the Commodity Channel Index (CCI) is -1/(-1 +1).

CCI < -100: The CCI is below -100, it indicates that the price is significantly below its average, suggesting a potential oversold condition. -1

Sound Financial Bancorp Inc Daily Commodity Channel Index (CCI) Chart

3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

Lagging momentum indicator
Ranges between +100 and -100
Considered overbought above +50
Considered oversold below -50
It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Sound Financial Bancorp Inc. The current cmo is -62.42010802.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1

Sound Financial Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart

3.5 Williams %R

Shows the current price relative to the highest high over the last 14 days.

Lagging momentum indicator
Ranging between 0 and -100
Above -20 is considered overbought
Below -80 is considered oversold
Is prone to give false signals

Score

Let's take a look at the Williams %R of Sound Financial Bancorp Inc. The current willr is -99.99346405.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1

Sound Financial Bancorp Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

Lagging volatility indicator
Uses 3 bands: one upper, one lower and one in the middle
Works best when the middle band reflects an intermediate trend (MA20).
When the price is moving closer to the upper band, the market might be overbought
When the price is moving closer to the lower band, the market might be oversold

Score

Let's take a look at the Bollinger Bands of Sound Financial Bancorp Inc.

Sound Financial Bancorp Inc Daily Bollinger Bands Chart

4.2 Average True Range (ATR)

Measures market volatility

Leading volatility indicator
Can be used to determine stop-loss positions
Calculated by:
- Current high minus the current low
- Current high minus the previous close
- Current low minus the previous close
The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Sound Financial Bancorp Inc. The current atr is 0.21796003.

Sound Financial Bancorp Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

Measures market volatility

Leading momentum indicator
Calculation:
- If the closing price is above the previous closing price: OBV = previous OBV + current volume
- If the closing price is below the previous closing price: OBV = previous OBV - current volume
- If the closing price is the same as the previous closing price than the OBV is the same.
Can be used to confirm price trends
Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Sound Financial Bancorp Inc. The current obv is -143,040.

Sound Financial Bancorp Inc Daily On-Balance Volume (OBV) Chart

5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

Lagging momentum indicator
Looks like RSI but uses volume as an extra metric (RSI only considers price)
Above 80 is considered overbought
Below 20 is considered oversold
Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Sound Financial Bancorp Inc. The current mfi is 20.32.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

MFI < 50: -1

Sound Financial Bancorp Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

Type	Notification	Date
Currently no notifications for Sound Financial Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

Date	Indicator	Signal
2023-11-14	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-11-16	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2023-11-17	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2023-11-21	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-11-22	STOCH	LONG EXIT		The %K line crosses below the %D line.
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2023-11-24	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
2023-11-27	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-11-29	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-11-30	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2023-12-01	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-05	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2023-12-06	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-12-08	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-11	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-12	STOCH	LONG EXIT		The %K line crosses below the %D line.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2023-12-13	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-15	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-19	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-20	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2023-12-21	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-22	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2023-12-26	RSI	SHORT ENTRY	LONG CLOSE	70 crossover to downside
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2023-12-27	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2023-12-28	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-29	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-02	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
2024-01-04	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
2024-01-12	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-01-16	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-01-19	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-25	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2024-01-26	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-01-29	STOCH	LONG EXIT		The %K line crosses below the %D line.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-01-30	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2024-01-31	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2024-02-01	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2024-02-09	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-02-13	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-02-15	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-02-20	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-02-21	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-02-22	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-02-26	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-02-27	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-03-04	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-03-07	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
2024-03-15	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2024-03-19	STOCH	LONG EXIT		The %K line crosses below the %D line.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2024-03-21	RSI	SHORT ENTRY	LONG CLOSE	70 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-03-25	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-28	STOCH	LONG EXIT		The %K line crosses below the %D line.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-01	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
2024-04-02	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-04-04	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-05	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-04-08	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-04-09	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-04-10	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-04-11	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-04-15	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-17	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-04-19	STOCH	LONG EXIT		The %K line crosses below the %D line.
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-24	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).

6.3. Candlestick Patterns

Sound Financial Bancorp Inc Daily Candlestick Chart

Date	Candlestick Pattern

6.4. Technical Score

Let's check the technical score of Sound Financial Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	29.934
Ma 20	Greater than	Ma 50	40.250
Ma 50	Greater than	Ma 100	40.053
Ma 100	Greater than	Ma 200	39.078
Open	Greater than	Close	39.150
Total			3/5 (60.0%)

Create your own Symbol Scanner

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Quick analysis of Sound Financial Bancorp Inc (30 sec.)

What can you expect buying and holding a share of Sound Financial Bancorp Inc? (30 sec.)

How much money do you get?

What is your share worth?

+ What do you gain per year?

For what price can you sell your share?

1. Valuation of Sound Financial Bancorp Inc (5 min.)

$39.15

$39.31

$-118.44 - $29.22

$-79.14 - $68.53

2. Growth of Sound Financial Bancorp Inc (5 min.)

Is Sound Financial Bancorp Inc growing?

How much money is Sound Financial Bancorp Inc making?

How much money comes from the company's main activities?

3. Financial Health of Sound Financial Bancorp Inc (5 min.)

4. Comparing to competitors in the Banks - Regional industry (5 min.)

Industry Rankings (Banks - Regional)

What can you expect buying and holding a share of Sound Financial Bancorp Inc? (5 min.)

What can you expect buying and holding a share of Sound Financial Bancorp Inc?

Speculation

Investing

How much money are you going to get?

When do you get the money?

How sure are you?

Linear %

Fundamentals of Sound Financial Bancorp Inc

About Sound Financial Bancorp Inc

Financial Health

Valuation

1.1. Profitability of Sound Financial Bancorp Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Trends

Compared to industry (Banks - Regional)

1.1.2. Return on Assets

Trends

Compared to industry (Banks - Regional)

1.1.3. Return on Equity

Trends

Compared to industry (Banks - Regional)

1.2. Operating Efficiency of Sound Financial Bancorp Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Trends

1.2.2. Operating Ratio

Trends

1.3. Liquidity of Sound Financial Bancorp Inc.

1.3. Liquidity

1.3.1. Current Ratio

Trends

Compared to industry (Banks - Regional)

1.3.2. Quick Ratio

Trends

1.4. Solvency of Sound Financial Bancorp Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Trends

Compared to industry (Banks - Regional)

1.4.2. Debt to Equity Ratio

Trends

Compared to industry (Banks - Regional)

2. Market Valuation of Sound Financial Bancorp Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Trends

Compared to industry (Banks - Regional)

Sound Financial Bancorp Inc
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