{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-21-000038","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2021-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:12.975759+00:00","generated_at":"2026-06-28T17:27:35.736177+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Sound Financial Q3 net income $2.6M ($0.98 EPS), up from $2.3M YoY; declares $0.17 dividend","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-21-000038","json":"https://secwatch.observer/filing/0001541119-21-000038.json","markdown":"https://secwatch.observer/filing/0001541119-21-000038.md","text":"https://secwatch.observer/filing/0001541119-21-000038.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111921000038/0001541119-21-000038-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111921000038/sfbc-20211026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T17:27:35.736177+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}