Provident Financial (PROV) vs Sound Financial Bancorp (SFBC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Provident Financial (PROV) has outperformed Sound Financial Bancorp (SFBC) over the past year, gaining 15.6% versus a loss of 5.2%. Over five years, PROV leads with a +9.1% price change compared with -4.7% for SFBC. Provident Financial is the larger company by market cap ($114.2 million vs $112.0 million), about 1.0 times the size.
On valuation, Sound Financial Bancorp trades at a lower trailing P/E (13.8x vs 17.8x for Provident Financial). Provident Financial offers the higher dividend yield (3.06% vs 1.83%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | PROV | SFBC |
|---|---|---|
| Share price | $18.32 | $43.60 |
| Market cap | $114.17M | $111.97M |
| 1-day change | -0.25% | +1.28% |
| YTD return | +15.12% | -0.07% |
| 1-year return | +15.55% | -5.22% |
| 5-year return | +9.08% | -4.68% |
| P/E ratio (TTM) | 17.78 | 13.80 |
| Forward P/E | 14.42 | — |
| EPS (TTM) | $1.03 | $3.16 |
| Dividend yield | 3.06% | 1.83% |
| Annual dividend | $0.56 | $0.80 |
| 52-week high | $18.99 | $49.21 |
| 52-week low | $14.95 | $40.68 |
| Distance from 52-week high | -3.55% | -11.40% |
| Average volume | 12.98K | 10.41K |
| Shares outstanding | 6.23M | 2.57M |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- PROV has outperformed SFBC by 20.8 percentage points over the past year.
- Provident Financial trades at a higher earnings multiple (17.8x vs 13.8x trailing P/E).
- Provident Financial offers a meaningfully higher dividend yield (3.06% vs 1.83%).
PROV vs SFBC FAQ
Which is bigger, Provident Financial or Sound Financial Bancorp?
Provident Financial (PROV) is larger, with a market capitalization of $114.17M compared with $111.97M for Sound Financial Bancorp (SFBC).
Which stock has performed better over the past year, PROV or SFBC?
PROV returned +15.55% over the past 12 months, compared with -5.22% for SFBC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, PROV or SFBC?
SFBC has the lower trailing P/E at 13.8, versus 17.8 for PROV. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Provident Financial or Sound Financial Bancorp?
Provident Financial has the higher yield at 3.06%, compared with 1.83% for Sound Financial Bancorp.
Are Provident Financial and Sound Financial Bancorp in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.