Which has the lower trailing P/E, SFBC or UNB?

UNB has the lower trailing P/E: SFBC trades at 14.11 and UNB at 8.78. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, SFBC or UNB?

Over the past five years, UNB grew revenue faster — SFBC at a 7.35% CAGR versus UNB at 10.73%.

Does SFBC or UNB pay a bigger dividend?

SFBC yields 1.84% and UNB yields 6.28% based on trailing dividends and the latest price.

Is SFBC or UNB more profitable?

UNB runs the higher net margin — SFBC at 12.93% versus UNB at 13.42%.

How have SFBC and UNB total returns compared?

Over the past 10 years, SFBC delivered 7.90% and UNB delivered 0.45% annualized total return. Past performance doesn't predict future results.

Sound Financial Bancorp, Inc. (SFBC) vs Union Bankshares, Inc. (UNB)

A side-by-side comparison of Sound Financial Bancorp, Inc. and Union Bankshares, 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.

SFBC

Sound Financial Bancorp, Inc.

$105M

$44.03Financial ServicesDelayed quote: Oct 6, 2026, 3:01 PM EDT

UNB

Union Bankshares, Inc.

$106M

$22.91Financial ServicesDelayed quote: Oct 6, 2026, 2:58 PM EDT

Total return — SFBC vs UNB

growth of $100 · dividends reinvested · last 10y

SFBC +112.4% (+7.8%/yr)UNB +5.0% (+0.5%/yr)SFBC compounded faster over this window

SFBC UNB

SFBC vs UNB: by the numbers

•UNB is the larger company ($106M vs $105M market cap).
•UNB trades at the lower trailing earnings multiple (8.78 vs 14.11 P/E), one valuation lens rather than an overall verdict.
•UNB converts more revenue to profit (13.42% vs 12.93% net margin).
•UNB grew revenue faster over the past five years (10.73% vs 7.35% CAGR).
•UNB pays the higher dividend yield (6.28% vs 1.84%).

Metrics side by side

Valuation

Metric	SFBC	UNB
P/E ratio	14.11	8.78
Forward P/E	N/A	8.71
P/S ratio	1.69	1.17
P/B ratio	0.93	1.17

Profitability

Metric	SFBC	UNB
Operating margin	15.70%	14.86%
Net margin	12.93%	13.42%
ROE	7.14%	13.41%

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.

Union Bankshares, 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	UNB
Dividend yield	1.84%	6.28%
Payout ratio	26.28%	55.17%

Growth (annualized)

Metric	SFBC	UNB
Revenue CAGR (5Y)	7.35%	10.73%
EPS CAGR (5Y)	-4.09%	-3.21%
Total return CAGR (5Y)	0.94%	-1.19%

Frequently asked

Which has the lower trailing P/E, SFBC or UNB?: UNB has the lower trailing P/E: SFBC trades at 14.11 and UNB at 8.78. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, SFBC or UNB?: Over the past five years, UNB grew revenue faster — SFBC at a 7.35% CAGR versus UNB at 10.73%.
Does SFBC or UNB pay a bigger dividend?: SFBC yields 1.84% and UNB yields 6.28% based on trailing dividends and the latest price.
Is SFBC or UNB more profitable?: UNB runs the higher net margin — SFBC at 12.93% versus UNB at 13.42%.
How have SFBC and UNB total returns compared?: Over the past 10 years, SFBC delivered 7.90% and UNB delivered 0.45% annualized total return. Past performance doesn't predict future results.

Go deeper

Full SFBC analysis Full UNB analysis Interactive comparison tool

Dig into the metrics

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

Sound Financial Bancorp & Union Bankshares appear in these rankings

Highest Dividend Yield Stocks 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.