---
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"
generated_at: "2026-06-28T17:27:35.736177+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Sound Financial Q3 net income $2.6M ($0.98 EPS), up from $2.3M YoY; declares $0.17 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-21-000038
- JSON: https://secwatch.observer/filing/0001541119-21-000038.json
- Plain text: https://secwatch.observer/filing/0001541119-21-000038.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.