{"filings":[{"id":1922091,"accession_number":"0001541119-26-000022","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2026-07-28T21:36:35+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp Q2 net income $2.5M ($0.98 EPS), NIM 3.73%; declares $0.21 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.5M ($0.98 EPS) vs. $1.6M ($0.61) in Q1 2026 and $2.1M ($0.79) in Q2 2025.","Net interest margin (annualized) 3.73%, up from 3.51% in Q1 and 3.67% in Q2 2025.","Nonperforming loans increased to $8.1M (0.90% of loans) from $7.4M in Q1 and $3.4M a year ago.","Board declared $0.21 per share cash dividend, payable Aug 21, 2026 to holders of record Aug 7, 2026.","Loans held-for-portfolio decreased $29.5M to $892.0M; deposits down $37.6M to $930.9M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":721998,"accession_number":"0001541119-26-000020","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2026-05-28T20:10:56+00:00","items":["5.07"],"status":"ready","headline":"Sound Financial Bancorp shareholders re-elect directors, approve say-on-pay, ratify auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["David S. Haddad, Jr. re-elected with 1,611,647 votes for, 89,116 withheld; term expires 2029.","Laura Lee Stewart re-elected with 1,350,298 votes for, 350,465 withheld; term expires 2029.","Advisory vote on executive compensation approved: 1,301,081 for, 119,353 against, 280,329 abstain.","Ratification of Baker Tilly as independent auditor for FY 2026 passed: 2,135,877 for, 66,862 against.","Broker non-votes totaled 504,228 on director elections and say-on-pay proposal."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93544,"accession_number":"0001541119-26-000016","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2026-04-28T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q1 net income $1.6M ($0.61 EPS); NIM expands to 3.49%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.6M, diluted EPS $0.61, down from $2.2M ($0.87) in Q4 2025 but up from $1.2M ($0.45) a year ago.","Net interest income $9.0M (+4.4% QoQ, +12.1% YoY); NIM 3.49% vs 3.36% Q4 and 3.25% Q1 2025.","Loans $921.5M (+1.8% QoQ, +4.0% YoY); deposits $968.5M (+2.1% QoQ, +6.4% YoY).","NPAs increased to $7.5M (0.67% of assets) from $6.1M at Q4; provision for credit losses $123k vs $104k Q4 and release of $203k YoY.","Declared $0.21/share dividend payable May 26 to holders of record May 11."],"consensus_eps_estimate":null,"consensus_eps_actual":0.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105254,"accession_number":"0001541119-26-000005","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2026-02-13T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp sets annual meeting for May 26, 2026","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting of shareholders scheduled for Tuesday, May 26, 2026.","Record date for voting eligibility is March 31, 2026.","No other business items disclosed in the press release."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105253,"accession_number":"0001541119-26-000003","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q4 net income $2.2M ($0.87 EPS), NPLs surge 112.8% to $5.8M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.2M, up 29% QoQ from $1.7M; diluted EPS $0.87 vs $0.66 prior quarter.","Net interest margin 3.36%, down 12 bps QoQ but up 23 bps YoY; total assets $1.09B (+3.0% QoQ).","Nonperforming loans jumped $3.1M to $5.8M (0.64% of loans), driven by two well-secured credits.","Provision for credit losses $104K vs $55K prior quarter; allowance-to-loans 0.95%.","Board declared $0.21/share dividend, payable Feb 23, 2026, record Feb 9, 2026 (unchanged)."],"consensus_eps_estimate":null,"consensus_eps_actual":2.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121507,"accession_number":"0001541119-25-000039","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2025-10-28T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q3 EPS $0.66, net income $1.7M; dividend declared $0.19/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2025 net income $1.7M vs $2.1M in Q2 2025 and $1.2M in Q3 2024.","Diluted EPS $0.66; YoY increase from $0.45 per share.","Net interest margin 3.48%, up 50 bps YoY from 2.98%.","Nonperforming loans fell 68% YoY to $2.7M; ACL coverage 315%.","Board declared $0.19/share dividend, payable Nov 21 to holders of record Nov 7."],"consensus_eps_estimate":null,"consensus_eps_actual":1.9,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138188,"accession_number":"0000927089-25-000162","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2025-09-19T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Sound Financial Bancorp names CFO Wes Ochs President; CEO Laurie Stewart remains CEO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Effective Oct 1, 2025, Wes Ochs becomes President of the Company and Bank while continuing as CFO.","Laura Lee Stewart relinquishes President role but remains CEO and director; no disagreement cited.","Ochs' annual base salary increased to $360,000 effective Oct 1; other comp unchanged.","Ochs has been with the Bank since 2009, serving as CFO since 2021.","Stewart marks 35 years with the organization; transition part of board's succession planning."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138187,"accession_number":"0001541119-25-000031","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2025-07-29T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q2 net income $2.1M ($0.79 EPS), up from $0.45 prior quarter; dividend $0.19","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.1M, diluted EPS $0.79 vs $0.45 Q1 2025 and $0.31 Q2 2024.","NIM improved to 3.67% from 3.25% QoQ; net interest income $9.3M, up 14.7%.","Nonperforming loans fell 65% to $3.4M; three of four largest nonaccruals resolved.","Loans held-for-portfolio grew 2% to $904.3M; provision of $170k recorded.","Dividend $0.19/share declared, payable Aug 25, 2025 to holders Aug 11."],"consensus_eps_estimate":null,"consensus_eps_actual":1.24,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155621,"accession_number":"0001541119-25-000028","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2025-06-05T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp replaces auditor after Moss Adams merges with Baker Tilly","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Moss Adams merged with Baker Tilly effective June 3, 2025; Baker Tilly appointed as successor auditor.","Audit reports for 2023 and 2024 were unqualified; no adverse opinions or modifications.","No disagreements or reportable events occurred during the past two years or interim period.","Moss Adams resigned and the Audit Committee approved Baker Tilly as successor."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155620,"accession_number":"0001541119-25-000025","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2025-05-28T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"SFBC shareholders elect three directors, approve say-on-pay, and ratify Moss Adams as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors Tyler K. Myers, Robert F. Carney, and James E. Sweeney elected with 1.75M, 1.60M, and 1.59M votes For, respectively.","Advisory vote on executive compensation approved: 1.72M For, 38.8K Against, 17.2K Abstain.","Ratification of Moss Adams as independent auditor for FY2025 passed with 2.18M For, 6.7K Against, 5.5K Abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155619,"accession_number":"0001541119-25-000017","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q1 net income $1.2M ($0.45 EPS), NIM expands to 3.25%, declares $0.19 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.2M ($0.45 diluted EPS) vs $1.9M ($0.74) in Q4 2024 and $770K ($0.30) in Q1 2024.","Net interest margin improved 12 bps to 3.25% from 3.13% in Q4 2024; NII up 8.2% YoY to $8.1M.","Loans held-for-portfolio fell $13.9M to $886.2M; deposits rose $72.5M to $910.3M QoQ.","Nonperforming loans rose $2.2M to $9.7M (1.09% of loans); one $988K CRE loan repaid post-quarter.","Declared $0.19 per share cash dividend, payable May 23, 2025 to holders of record May 9, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":0.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174116,"accession_number":"0001541119-25-000006","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2025-02-14T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp sets May 27, 2025 annual meeting date","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting scheduled for May 27, 2025; record date for voting is March 31, 2025.","Company operates as parent of Sound Community Bank, with branches across Washington.","No other material business items disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174115,"accession_number":"0001541119-25-000002","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp Q4 net income $1.9M (EPS $0.74); NIM up to 3.13%; declares $0.19 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.9M ($0.74 diluted EPS) vs $1.2M ($0.45) in Q3 2024 and $1.2M ($0.47) in Q4 2023.","Net interest margin improved to 3.13% from 2.98% in Q3; deposit costs fell 16 bps.","Nonperforming loans decreased 11.8% to $7.5M; no OREO for first time in over a decade.","Declared $0.19/share cash dividend payable Feb 26, 2025 to holders of record Feb 12.","Total assets down 9.7% to $993.6M from $1.10B in Q3; below $1B threshold."],"consensus_eps_estimate":null,"consensus_eps_actual":1.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191066,"accession_number":"0001541119-24-000053","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2024-11-05T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Sound Financial amends change-in-control agreements for six officers, including Sexton and Ochs","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["On Oct 30, 2024, Board approved amendments to change-in-control agreements for six officers.","Heidi Sexton (EVP/COO) and Wes Ochs (EVP/CSO/CFO) among those with revised agreements.","Involuntary termination definition now based on 35-mile radius from officer's current workplace, not headquarters.","For four earlier agreements, 'Change in Control' definition aligned with 2023 version.","No other changes to severance terms; effective immediately."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191065,"accession_number":"0001541119-24-000051","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2024-10-31T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q3 net income $1.2M, EPS $0.45; NIM improves to 2.98%, loans top $900M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.2M ($0.45 EPS) in Q3 2024, flat YoY, up 45% from Q2.","Net interest margin 2.98%, up from 2.92% prior quarter, down from 3.38% YoY.","Loans held-for-portfolio exceeded $900M for first time, reaching $901.7M.","Nonperforming loans $8.5M, down 4.7% from Q2 but up 381% YoY; ACL to total loans 0.95%.","Declared $0.19/share dividend, payable Nov 26, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207540,"accession_number":"0001541119-24-000048","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K/A","filed_at":"2024-09-06T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Sound Financial board opts for annual say-on-pay vote after shareholder approval","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stockholders voted in favor of annual frequency for advisory votes on executive compensation at the May 29, 2024 annual meeting.","Board determined to hold an annual say-on-pay vote until the next required frequency vote, no later than 2030.","The decision follows the board's recommendation and the majority stockholder vote.","This amendment to the original 8-K discloses the board's final determination on frequency."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207541,"accession_number":"0001541119-24-000043","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q2 net income $0.31 EPS, down 72% YoY; NIM narrows to 2.92%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $795k ($0.31 diluted EPS) vs $2.9M ($1.11) in Q2 2023, down 72% YoY.","Net interest margin compressed to 2.92% from 3.71% a year ago; net interest income fell 14.8% YoY.","Nonperforming loans rose to $8.9M (1.00% of loans) vs $1.5M a year ago; NPAs decreased QoQ to $9.0M.","Dividend declared $0.19 per share, payable Aug 23 to holders of record Aug 9.","Deposit mix shifted: noninterest-bearing deposits down 21.2% YoY; loans-to-deposits ratio 98%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224968,"accession_number":"0001541119-24-000041","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2024-05-31T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Sound Financial Bancorp shareholders re-elect three directors and approve say-on-pay at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected Debra Jones, Corissa B. Porcelli, and Rogelio Riojas as directors for terms expiring 2027.","Non-binding advisory vote on executive compensation passed with 1,727,353 for vs. 96,175 against.","Advisory vote on frequency selected 'every one year' with 1,841,096 votes; next say-on-pay vote annual.","Ratified Moss Adams LLP as independent auditor for FY 2024 with 2,252,756 votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224967,"accession_number":"0001541119-24-000035","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2024-04-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q1 net income falls to $770K; NPLs jump 155% Q/Q","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $770K ($0.30 diluted EPS) vs $1.2M ($0.47) in Q4 2023 and $2.2M ($0.83) in Q1 2023.","Net interest margin compressed to 2.95% from 4.01% a year ago; net interest income down 20.4% YoY.","Nonperforming loans rose to $9.1M (1.01% of loans) from $3.6M at year-end 2023, driven by a few real estate loans.","Board declared $0.19 per share cash dividend, payable May 22, 2024 to holders of record May 8, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":244221,"accession_number":"0001541119-24-000006","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2024-02-14T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Sound Financial Bancorp sets May 29, 2024 annual meeting; three director nominees","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting date: May 29, 2024; record date for voting: March 28, 2024.","Proposals include director election, advisory votes on executive compensation and frequency, and auditor ratification.","Director nominees: incumbent Debra Jones (CPA, audit expert), incumbent Rogelio Riojas (CEO of Sea Mar), and first-time nominee Corissa B. Porcelli (CFA, Director of Research)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":244220,"accession_number":"0001541119-24-000004","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2024-01-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp authorizes $1.5M share repurchase over 12 months","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to $1.5M of common stock over 12 months, starting after existing program expires Jan 31, 2024.","Existing program repurchased 107,735 shares at ~$4.0M cost.","Repurchases may be made via open market, private transactions, or Rule 10b5-1 plan.","Program does not obligate any specific number of shares and may be modified or discontinued."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":244219,"accession_number":"0001541119-24-000003","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2024-01-29T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q4 net income $1.2M, EPS $0.47; NIM shrinks to 3.04%; NPLs double","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.2M ($0.47 EPS) flat QoQ but down 59% from $2.9M ($1.12) a year ago.","Net interest margin fell to 3.04% from 3.38% QoQ and 4.05% a year ago; net interest income down 21.9% YoY.","Nonperforming loans surged 102% QoQ to $3.6M (0.40% of loans); two loans totaling $2.3M added to nonaccrual.","Loans held-for-portfolio grew 2.2% to $894.5M; deposits fell 4% to $826.5M; loans-to-deposits ratio 108%.","Board declared $0.19 dividend, payable Feb 21; restructured five positions due to subdued mortgage demand."],"consensus_eps_estimate":null,"consensus_eps_actual":2.86,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":261638,"accession_number":"0001541119-23-000038","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2023-10-25T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q3 net income drops 59% to $1.2M; NIM compresses to 3.38%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.45 vs $1.11 in Q2 2023 and $0.97 in Q3 2022.","Net interest income $8.2M, down 6.6% QoQ and 14.9% YoY; NIM fell to 3.38% from 3.71%.","Loans held-for-portfolio grew 2.3% QoQ to $875.4M; deposits rose 4.7% to $860.9M.","Noninterest income fell 42.8% QoQ to $1.1M, partly due to prior quarter's BOLI death benefit.","Declared $0.19/share dividend, payable Nov 22, 2023, unchanged from prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":2.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":278854,"accession_number":"0001541119-23-000031","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2023-07-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial extends stock repurchase program through Jan 31, 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board extended program from July 31, 2023 to January 31, 2024; ~$0.9M remains available.","82,534 shares repurchased at aggregate cost of $3.1M since program inception.","CEO cites strong liquidity, capital, and deposit franchise as reasons for extension.","Program does not obligate Company to buy any specific number of shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":278853,"accession_number":"0001541119-23-000029","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2023-07-26T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q2 net income $2.9M, EPS $1.11; declares $0.19 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.9M ($1.11 EPS) vs $2.2M ($0.83) in Q1 2023 and $1.6M ($0.61) in Q2 2022.","NIM (annualized) 3.71%, down from 4.01% in Q1 2023, up from 3.82% a year ago.","Loans held-for-portfolio $855.4M (-1.7% QoQ); deposits $822.3M (-2.3% QoQ).","Recorded $331k reversal of credit losses; BOLI death benefit of $568k boosted noninterest income.","Dividend of $0.19/share declared, payable Aug 23 to holders of record Aug 9."],"consensus_eps_estimate":null,"consensus_eps_actual":1.94,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":278852,"accession_number":"0000927089-23-000102","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2023-07-14T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Sound Financial subsidiary vendor exposed ~16,000 customer records via MOVEit; no compromise found yet","summary_kind":"llm","event_type":"cyber","confidence":"high","bullets":["Third-party vendor using MOVEit transferred data for Sound Community Bank's ~16,000 mobile/online banking customers.","Vendor's forensic investigation shows customer data was downloaded only once via a valid bank file request; no indication of compromise to date.","Bank notified law enforcement and regulators; vendor has patched the MOVEit vulnerability.","Company expects the incident will not have a material adverse effect on business, operations, or financial results."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297120,"accession_number":"0001541119-23-000024","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2023-06-01T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Shareholders re-elect directors, approve say-on-pay, ratify Moss Adams as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["David S. Haddad, Jr. re-elected with 1,392,478 for; Laura Lee Stewart with 1,503,329 for.","Advisory vote on executive compensation passed: 1,365,437 for, 71,571 against, 123,559 abstain.","Moss Adams, LLP ratified as independent auditor for FY 2023: 1,824,411 for, 21,146 against, 53 abstain.","All three proposals received sufficient votes for approval at the May 31, 2023 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297119,"accession_number":"0001541119-23-000020","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2023-04-25T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q1 net income $2.2M ($0.83 EPS); dividend raised to $0.19/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.2M, $0.83 diluted EPS vs $2.9M ($1.12) in Q4 2022 and $1.7M ($0.65) in Q1 2022.","Total assets surpassed $1.00B, up 2.9% from $976.4M at year-end 2022.","Deposits increased $32.9M to $841.6M; borrowings decreased $14.4M to $56.6M average.","Nonperforming assets fell 48.4% to $1.9M; allowance for credit losses to loans 1.07%.","Quarterly dividend raised to $0.19 from $0.17, payable May 24 to holders of record May 10."],"consensus_eps_estimate":null,"consensus_eps_actual":0.83,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317496,"accession_number":"0001541119-23-000007","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2023-02-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp sets annual meeting for May 31, 2023; record date March 31.","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting of shareholders scheduled for Wednesday, May 31, 2023.","Voting record date for shareholders entitled to vote is March 31, 2023.","No other material business disclosed in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317495,"accession_number":"0001541119-23-000005","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2023-01-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial extends stock buyback program to July 31, 2023 with $2.1M remaining","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board extended repurchase program from Jan 31, 2023 to July 31, 2023.","Since inception, 49,700 shares repurchased for $1.9M; $2.1M still available.","Repurchases may occur in open market or private transactions; no minimum obligation.","Program can be expanded, extended, modified or discontinued at any time."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317494,"accession_number":"0001541119-23-000004","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2023-01-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q4 EPS $1.12 beats prior quarter $0.97; declares $0.17 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.9M, diluted EPS $1.12, vs $2.5M ($0.97) in Q3 2022 and $1.9M ($0.70) in Q4 2021.","Net interest margin 4.05% (annualized), net interest income up 25.6% YoY to $9.7M.","Loans held-for-portfolio grew 26.2% YoY to $866.0M; total deposits down 0.8% sequentially to $808.8M.","Board declared $0.17 per share cash dividend, payable Feb 23, 2023, record Feb 9, 2023.","Nonperforming loans rose to $2.96M from $2.49M in Q3; provision for loan losses $125K."],"consensus_eps_estimate":null,"consensus_eps_actual":3.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":335730,"accession_number":"0001541119-22-000044","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-10-26T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q3 net income $2.5M ($0.97 EPS); NIM expands to 4.13%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.5M ($0.97 diluted EPS) vs $1.6M ($0.61) in Q2 and $2.6M ($0.98) in Q3 2021.","Net interest margin rose to 4.13% from 3.83% (QoQ) and 3.74% (YoY) driven by loan growth.","Loans held-for-portfolio grew 5.6% to $851.4M; deposits up 3.7% to $815.4M.","Nonperforming loans fell 44.9% to $2.5M; allowance coverage ratio 301%.","Declared $0.17 quarterly dividend payable Nov 23, record Nov 9."],"consensus_eps_estimate":null,"consensus_eps_actual":2.23,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":353173,"accession_number":"0001541119-22-000038","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-07-27T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp increases stock buyback authorization to $4M, extends to Jan 2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board increased authorized repurchase amount from $2.0 million to $4.0 million, effective immediately.","Program expiration extended to January 31, 2023 (previously October 29, 2022).","49,700 shares repurchased at aggregate cost of $1.9 million since inception; $2.1 million remaining.","Repurchases may be made in open market or private transactions; timing depends on market conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":353172,"accession_number":"0001541119-22-000034","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-07-27T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp Q2 net income $1.6M ($0.61 EPS), down 30% YoY; loans grow 13.6% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.6M ($0.61 diluted EPS) vs $2.3M ($0.85) in Q2 2021 and $1.7M ($0.65) in Q1 2022.","Loans held-for-portfolio increased $96.6M (13.6%) QoQ to $806.1M; net interest margin rose to 3.83% from 3.49%.","Provision for loan losses was $600K, up from $125K in Q1 2022, driven by portfolio growth and economic uncertainty.","Board declared $0.17 per share cash dividend, payable Aug 23, 2022 to holders of record Aug 9, 2022.","Net gain on sale of loans fell to $84K from $1.1M YoY, reflecting lower refinance activity and mortgage volumes."],"consensus_eps_estimate":null,"consensus_eps_actual":1.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":353171,"accession_number":"0001437749-22-017087","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-07-14T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Sound Financial Bancorp amends CEO supplemental retirement plan; projected annual benefit rises to $96,390","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Laura Lee Stewart's SERP amended; projected annual retirement benefit increased to $96,390 from $78,030.","Benefit now linked to annuity (American Valor 10 Fixed-Index Annuity) instead of fixed amount; will likely increase further until separation.","Death benefit prior to retirement commencement is a lump sum of approx. $1.1 million (as of Dec 31, 2021).","Stewart has reached normal retirement age (65) and is fully vested; prior early retirement/change-in-control provisions eliminated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":370835,"accession_number":"0001541119-22-000030","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-06-03T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Shareholders approve all proposals at 2022 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected directors Tyler K. Myers, Robert F. Carney, and James E. Sweeney to terms expiring 2025.","Advisory vote on executive compensation passed with 1,511,928 For vs 49,444 Against.","Ratified Moss Adams, LLP as independent auditor for FY2022 with 1,950,948 For votes.","Broker non-votes of 290,014 recorded on director elections and advisory proposal."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":370834,"accession_number":"0001541119-22-000025","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-04-27T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial extends stock buyback plan for up to $2M through Oct 29, 2022","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved extension of existing $2M share repurchase program through October 29, 2022.","Prior $2M plan (Oct 2021–Apr 2022) had $352k (8,668 shares) repurchased as of Apr 25, 2022.","Company may buy shares in open market or privately; no obligation to repurchase any amount.","Program can be modified or discontinued at any time; timing depends on market conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":370833,"accession_number":"0001541119-22-000024","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-04-27T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q1 net income $1.7M, EPS $0.65; declares $0.17 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.7M ($0.65 diluted EPS), down from $2.5M ($0.93) in Q1 2021 and $1.9M ($0.70) in Q4 2021.","Net interest margin (NIM) annualized 3.49%, up 40 bps YoY but down 4 bps sequentially from 3.53%.","Loans held-for-portfolio grew 15.5% YoY to $709.5M; total deposits up 2.4% YoY to $836.1M.","Nonperforming assets decreased to $5.4M (0.56% of assets) from $6.2M (0.68%) at December 31, 2021.","Declared regular quarterly cash dividend of $0.17 per share, payable May 24, 2022 to holders of record May 10, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":0.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":389880,"accession_number":"0001541119-22-000009","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-02-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp sets annual meeting for May 31, 2022; record date March 31","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting of shareholders scheduled for Tuesday, May 31, 2022.","Record date for voting entitlement is March 31, 2022.","No other material business discussed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":389879,"accession_number":"0001541119-22-000004","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-01-31T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Sound Financial Bancorp declares regular $0.17/share and special $0.10/share dividend","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Regular quarterly cash dividend of $0.17 per share declared.","Special cash dividend of $0.10 per share also declared.","Dividends payable on February 24, 2022 to holders of record February 10, 2022.","CEO cites strong capital position supporting special dividend while maintaining growth capacity."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":389878,"accession_number":"0001541119-22-000003","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2022-01-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Sound Financial Q4 EPS $0.70 vs $1.34 YoY; NPAs rise 67% sequentially","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.9M ($0.70 diluted) vs $2.6M ($0.98) in Q3 2021 and $3.5M ($1.34) in Q4 2020.","Net interest margin 3.53%, down from 3.74% in Q3; PPP-deferred fee benefit fell to 5 bps from 41 bps.","Nonperforming assets increased to $6.2M (0.68% of assets) from $3.7M (0.40%) at Q3 end.","Loans held-for-portfolio grew $18.8M to $686.4M; no provision for loan losses recorded.","Efficiency ratio weakened to 75.31% from 64.81% in Q3 and 56.32% a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":3.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":407849,"accession_number":"0001541119-21-000040","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2021-10-28T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"SFBC authorizes new $2M stock repurchase program effective Oct 29","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved repurchase of up to $2M of common stock, effective Oct 29, 2021 through Apr 28, 2022.","New program replaces existing program that expires Oct 28, 2021.","Company entered into a 10b5-1 trading plan with Keefe, Bruyette & Woods to facilitate repurchases.","Repurchases may occur in open market or private transactions at management's discretion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":407848,"accession_number":"0001541119-21-000038","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2021-10-27T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Sound Financial Q3 net income $2.6M ($0.98 EPS), up from $2.3M YoY; declares $0.17 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.6M ($0.98 diluted EPS) vs $2.3M ($0.90) in Q3 2020, up 15.2% QoQ.","Net interest margin 3.74% vs 3.36% prior quarter and 3.27% year ago.","Loans held-for-portfolio grew $27.9M QoQ to $667.6M, offset by $24.3M PPP forgiveness.","Nonperforming assets rose 73.3% to $3.7M, driven by $1.5M increase in one-to-four family loans.","Quarterly cash dividend $0.17/share, payable Nov 24 to holders of record Nov 10."],"consensus_eps_estimate":null,"consensus_eps_actual":2.76,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":407847,"accession_number":"0001541119-21-000036","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2021-10-26T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Sound Financial amends bylaws, removes 75-year age limit for director eligibility","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Section 12 of Article II deleted; persons 75+ no longer barred from board election or appointment.","Board cites belief that uniform age cap arbitrarily removes experienced directors.","Amendment effective October 26, 2021; no other bylaw changes or fiscal year shift.","Governance change aimed at retaining experienced board members going forward."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":426869,"accession_number":"0001541119-21-000031","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2021-08-31T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Sound Financial Bancorp enters change of control agreement with EVP/CFO Wes Ochs","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Agreement provides a lump sum payment of 2x annual base salary upon involuntary termination within 12 months of a change in control.","Benefits continuation (health, insurance, retirement) for up to 18 months post-termination at no cost to executive.","Payments subject to cut-back under Section 280G to avoid excess parachute penalties.","Agreement effective August 25, 2021, cancellable by either party with 12 months prior written notice."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":426868,"accession_number":"0001541119-21-000025","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2021-07-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Sound Financial Bancorp appoints Wes Ochs as CFO, effective August 1, 2021","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Wes Ochs, age 42, appointed CFO of Sound Financial Bancorp and Sound Community Bank, effective August 1, 2021.","Ochs retains current roles as EVP and Chief Strategy Officer; he joined the Bank in 2009 as a Commercial Loan Officer.","Laurie Stewart, previously interim CFO, continues as President and CEO of the Company and the Bank.","No family relationships or related party transactions with other directors or executive officers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":106799801.46115229,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":426867,"accession_number":"0001541119-21-000023","cik":1541119,"company_name":"Sound Financial Bancorp, Inc.","ticker":"SFBC","form_type":"8-K","filed_at":"2021-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Sound Financial Bancorp Q2 2021 net income $2.3M ($0.85 EPS); 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