SFBC vs EXFY

Comparison between Sound Financial Bancorp Inc (SFBC, Company) and Expensify Inc - Class A (EXFY, Company).

SFBC is from the Financial Services sector, while EXFY is from the Technology sector.

5-Year PerformanceSFBC has outperformed EXFY, delivering a return of +1.3% compared to -54.3%

SFBC vs EXFY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SFBC(COMPANY)	EXFY(COMPANY)
Market Cap	$107M	$107M
Max Drawdown	59.35%	98.46%
Sharpe Ratio	-0.81	-0.85
5Y Beta	0.19	N/A
Industry	Banks - Regional	Software - Application
P/E Ratio	14.19	-6.34
PEG Ratio	0.28	N/A
Dividend Yield	1.86%	N/A
5Y Dividends CAGR	1.57%	N/A
5Y EPS CAGR	-5.95%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	6.19%	14.40%
P/S Ratio	2.54	0.80
P/B Ratio	0.90	0.81

Market Cap

Winner

SFBC

$107M

EXFY

$107M

Max Drawdown

Winner

SFBC

59.35%

EXFY

98.46%

Sharpe Ratio

Winner

SFBC

-0.81

EXFY

-0.85

5Y Beta

SFBC

0.19

EXFY

N/A

Industry

SFBC

Banks - Regional

EXFY

Software - Application

P/E Ratio

SFBC

14.19

Winner

EXFY

-6.34

PEG Ratio

SFBC

0.28

EXFY

N/A

Dividend Yield

SFBC

1.86%

EXFY

N/A

5Y Dividends CAGR

SFBC

1.57%

EXFY

N/A

5Y EPS CAGR

SFBC

-5.95%

EXFY

N/A

Debt to Equity

SFBC

0.00%

EXFY

0.00%

Free Cash Flow Yield

SFBC

6.19%

Winner

EXFY

14.40%

P/S Ratio

SFBC

2.54

Winner

EXFY

0.80

P/B Ratio

SFBC

0.90

Winner

EXFY

0.81

SFBC vs EXFY - Historical Returns

Returns include dividend reinvestment.

Period	SFBC	EXFY
1 month	+1.74%	+2.68%
3 months	-1.45%	+12.75%
6 months	-4.36%	-29.01%
1 year	-14.52%	-49.78%
5 years(CAGR)	+1.29%	-54.31%
10 years(CAGR)	+7.78%	N/A
Max(CAGR)	+10.25%	-54.31%

SFBC

+1.74%

Winner

EXFY

+2.68%

SFBC

-1.45%

Winner

EXFY

+12.75%

Winner

SFBC

-4.36%

EXFY

-29.01%

Winner

SFBC

-14.52%

EXFY

-49.78%

5Y(CAGR)

Winner

SFBC

+1.29%

EXFY

-54.31%

10Y(CAGR)

SFBC

+7.78%

EXFY

N/A

Max(CAGR)

Winner

SFBC

+10.25%

EXFY

-54.31%

SFBC vs EXFY - Annual Returns (2008 - 2026)

Returns include dividend reinvestment.

Year	SFBC	EXFY
2026	-2.76%	-20.69%
2025	-19.38%	-56.86%
2024	+36.62%	+36.73%
2023	+1.31%	-71.21%
2022	-9.61%	-78.13%
2021	+41.38%	+7.16%
2020	-9.95%	N/A
2019	+8.55%	N/A
2018	-0.83%	N/A
2017	+25.60%	N/A
2016	+25.25%	N/A
2015	+21.49%	N/A
2014	+12.82%	N/A
2013	+62.59%	N/A
2012	+38.67%	N/A
2011	+56.25%	N/A
2010	+1.56%	N/A
2009	-37.02%	N/A
2008	-19.72%	N/A

SFBC vs EXFY Drawdown Comparison

The maximum drawdown for SFBC was -57.96%, occurring on Jan 26, 2010. Recovery took 1144 trading sessions.

The maximum drawdown for EXFY was -98.46%, occurring on Mar 17, 2026. This drawdown has not yet recovered.

The current SFBC drawdown is -22.86%. The current EXFY drawdown is -97.63%.

Rank	SFBC	EXFY
#1	-57.96% Feb 1, 2008 - Aug 15, 2012	-98.46% Nov 26, 2021 - Mar 17, 2026
#2	-57.04% Aug 10, 2018 - Mar 10, 2021	-10.04% Nov 12, 2021 - Nov 24, 2021
#3	-26.95% Sep 21, 2021 - Jun 10, 2024	N/A
#4	-24.76% Aug 30, 2024 - Mar 13, 2026	N/A
#5	-12.69% May 29, 2015 - Nov 9, 2015	N/A
#6	-11.40% Jun 10, 2024 - Aug 9, 2024	N/A
#7	-10.58% Mar 24, 2021 - May 20, 2021	N/A
#8	-8.86% Dec 8, 2016 - Mar 13, 2017	N/A
#9	-8.18% Jan 8, 2016 - Apr 21, 2016	N/A
#10	-7.65% Mar 29, 2017 - Aug 9, 2017	N/A
#11	-7.52% Jun 22, 2021 - Sep 21, 2021	N/A
#12	-7.05% Nov 17, 2017 - Jan 23, 2018	N/A
#13	-6.81% Feb 15, 2013 - May 24, 2013	N/A
#14	-6.77% Sep 12, 2014 - Nov 19, 2014	N/A
#15	-6.51% Aug 13, 2014 - Sep 11, 2014	N/A

Correlation

Correlation between SFBC and EXFY is -0.35 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.35

-101