Sound Financial Bancorp (SFBC) Competitors

Jiayin Group (NASDAQ:JFIN) and Sound Financial Bancorp (NASDAQ:SFBC) are both small-cap computer and technology companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, media sentiment, community ranking, valuation, analyst recommendations, risk, institutional ownership, profitability and earnings.

Does the media prefer JFIN or SFBC?

In the previous week, Jiayin Group had 4 more articles in the media than Sound Financial Bancorp. MarketBeat recorded 5 mentions for Jiayin Group and 1 mentions for Sound Financial Bancorp. Sound Financial Bancorp's average media sentiment score of 1.89 beat Jiayin Group's score of 0.81 indicating that Sound Financial Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
Jiayin Group	Positive
Sound Financial Bancorp	Very Positive

Which has higher earnings and valuation, JFIN or SFBC?

Jiayin Group has higher revenue and earnings than Sound Financial Bancorp. Jiayin Group is trading at a lower price-to-earnings ratio than Sound Financial Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jiayin Group	$6.00B	0.09	$182.75M	$3.00	3.42
Sound Financial Bancorp	$35.69M	3.65	$4.64M	$1.80	28.22

Is JFIN or SFBC a better dividend stock?

Jiayin Group pays an annual dividend of $0.49 per share and has a dividend yield of 4.8%. Sound Financial Bancorp pays an annual dividend of $0.76 per share and has a dividend yield of 1.5%. Jiayin Group pays out 16.3% of its earnings in the form of a dividend. Sound Financial Bancorp pays out 42.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Jiayin Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has more risk & volatility, JFIN or SFBC?

Jiayin Group has a beta of 0.78, suggesting that its share price is 22% less volatile than the S&P 500. Comparatively, Sound Financial Bancorp has a beta of 0.73, suggesting that its share price is 27% less volatile than the S&P 500.

Is JFIN or SFBC more profitable?

Jiayin Group has a net margin of 19.17% compared to Sound Financial Bancorp's net margin of 7.48%. Jiayin Group's return on equity of 43.90% beat Sound Financial Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Jiayin Group	19.17%	43.90%	21.31%
Sound Financial Bancorp	7.48%	4.57%	0.43%

Do institutionals & insiders believe in JFIN or SFBC?

44.1% of Jiayin Group shares are held by institutional investors. Comparatively, 68.8% of Sound Financial Bancorp shares are held by institutional investors. 51.2% of Jiayin Group shares are held by insiders. Comparatively, 12.6% of Sound Financial Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Does the MarketBeat Community favor JFIN or SFBC?

Sound Financial Bancorp received 29 more outperform votes than Jiayin Group when rated by MarketBeat users. Likewise, 64.71% of users gave Sound Financial Bancorp an outperform vote while only 52.86% of users gave Jiayin Group an outperform vote.

Company	Underperform	Outperform
Jiayin Group	Outperform Votes 37 52.86%	Underperform Votes 33 47.14%
Sound Financial Bancorp	Outperform Votes 66 64.71%	Underperform Votes 36 35.29%

Summary

Jiayin Group beats Sound Financial Bancorp on 11 of the 17 factors compared between the two stocks.