Which has grown faster, PNBK or SFBC?

Over the past five years, PNBK grew revenue faster — PNBK at a 13.42% CAGR versus SFBC at 7.35%.

Does PNBK or SFBC pay a bigger dividend?

SFBC pays a dividend (1.84% yield), while PNBK is a former payer with no current dividend run rate.

Is PNBK or SFBC more profitable?

SFBC runs the higher net margin — PNBK at -9.77% versus SFBC at 12.93%.

How have PNBK and SFBC total returns compared?

Over the past 10 years, PNBK delivered -23.30% and SFBC delivered 7.90% annualized total return. Past performance doesn't predict future results.

Patriot National Bancorp, Inc. (PNBK) vs Sound Financial Bancorp, Inc. (SFBC)

A side-by-side comparison of Patriot National Bancorp, Inc. and Sound Financial Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

PNBK

Patriot National Bancorp, Inc.

$109M

$0.93Financial ServicesDelayed quote: Oct 6, 2026, 2:10 PM EDT

SFBC

Sound Financial Bancorp, Inc.

$105M

$44.00Financial ServicesDelayed quote: Oct 6, 2026, 2:02 PM EDT

Total return — PNBK vs SFBC

growth of $100 · dividends reinvested · last 10y

PNBK -93.0% (-23.3%/yr)SFBC +114.6% (+7.9%/yr)SFBC compounded faster over this window

Log scale — wide-divergence pair

PNBK SFBC

PNBK vs SFBC: by the numbers

•PNBK is the larger company ($109M vs $105M market cap).
•SFBC is profitable (12.93% net margin) while PNBK runs a net loss (-9.77%).
•PNBK grew revenue faster over the past five years (13.42% vs 7.35% CAGR).
•SFBC pays a dividend (1.84% yield), while PNBK is a former payer with no current dividend run rate.

Metrics side by side

Valuation

Metric	PNBK	SFBC
P/E ratio	N/A	14.10
P/S ratio	1.63	1.69
P/B ratio	1.23	0.93

Profitability

Metric	PNBK	SFBC
Operating margin	-21.75%	15.70%
Net margin	-9.77%	12.93%
ROE	-7.36%	7.14%

Patriot National Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Sound Financial Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	PNBK	SFBC
Dividend yield	N/A	1.84%
Payout ratio	N/A	26.28%

Growth (annualized)

Metric	PNBK	SFBC
Revenue CAGR (5Y)	13.42%	7.35%
EPS CAGR (5Y)	N/A	-4.09%
Total return CAGR (5Y)	-37.57%	0.94%

Frequently asked

Which has grown faster, PNBK or SFBC?: Over the past five years, PNBK grew revenue faster — PNBK at a 13.42% CAGR versus SFBC at 7.35%.
Does PNBK or SFBC pay a bigger dividend?: SFBC pays a dividend (1.84% yield), while PNBK is a former payer with no current dividend run rate.
Is PNBK or SFBC more profitable?: SFBC runs the higher net margin — PNBK at -9.77% versus SFBC at 12.93%.
How have PNBK and SFBC total returns compared?: Over the past 10 years, PNBK delivered -23.30% and SFBC delivered 7.90% annualized total return. Past performance doesn't predict future results.

Go deeper

Full PNBK analysis Full SFBC analysis Interactive comparison tool

Dig into the metrics

Sound Financial Bancorp P/E ratio Sound Financial Bancorp dividend yield Patriot National Bancorp ROE Sound Financial Bancorp ROE Patriot National Bancorp operating margin Sound Financial Bancorp operating margin Patriot National Bancorp revenue growth Sound Financial Bancorp revenue growth

Patriot National Bancorp & Sound Financial Bancorp appear in these rankings

Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.