Which has grown faster, SFBC or TOP?

Over the past five years, SFBC grew revenue faster — SFBC at a 7.35% CAGR versus TOP at -22.51%.

Does SFBC or TOP pay a bigger dividend?

SFBC pays a dividend (1.84% yield), while TOP has no payments in the available dividend history.

Is SFBC or TOP more profitable?

SFBC runs the higher net margin — SFBC at 12.93% versus TOP at -24.86%.

Sound Financial Bancorp, Inc. (SFBC) vs TOP Financial Group Limited (TOP)

A side-by-side comparison of Sound Financial Bancorp, Inc. and TOP Financial Group Limited 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.

SFBC

Sound Financial Bancorp, Inc.

$108M

$45.23Financial ServicesDelayed quote: Oct 6, 2026, 2:18 PM EDT

TOP

TOP Financial Group Limited

$116M

$15.66Financial ServicesDelayed quote: Oct 6, 2026, 2:24 PM EDT

Total return — SFBC vs TOP

growth of $100 · dividends reinvested · last 4y

SFBC +25.5% (+5.9%/yr)TOP -81.7% (-34.6%/yr)SFBC compounded faster over this window

Log scale — wide-divergence pair

SFBC TOP

SFBC vs TOP: by the numbers

•TOP is the larger company ($116M vs $108M market cap).
•SFBC is profitable (12.93% net margin) while TOP runs a net loss (-24.86%).
•SFBC grew revenue faster over the past five years (7.35% vs -22.51% CAGR).
•SFBC pays a dividend (1.84% yield), while TOP has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	SFBC	TOP
P/E ratio	14.50	N/A
P/S ratio	1.73	N/A
P/B ratio	0.96	3.42

Profitability

Metric	SFBC	TOP
Gross margin	N/A	51.98%
Operating margin	15.70%	-14.34%
Net margin	12.93%	-24.86%
ROE	7.14%	-3.46%

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	SFBC	TOP
Dividend yield	1.84%	N/A
Payout ratio	26.28%	N/A

Growth (annualized)

Metric	SFBC	TOP
Revenue CAGR (5Y)	7.35%	-22.51%
EPS CAGR (5Y)	-4.09%	N/A
Total return CAGR (5Y)	0.94%	N/A

Frequently asked

Which has grown faster, SFBC or TOP?: Over the past five years, SFBC grew revenue faster — SFBC at a 7.35% CAGR versus TOP at -22.51%.
Does SFBC or TOP pay a bigger dividend?: SFBC pays a dividend (1.84% yield), while TOP has no payments in the available dividend history.
Is SFBC or TOP more profitable?: SFBC runs the higher net margin — SFBC at 12.93% versus TOP at -24.86%.

Go deeper

Full SFBC analysis Full TOP analysis Interactive comparison tool

Dig into the metrics

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

Sound Financial Bancorp & TOP Financial 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.