{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-23-000004","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2023-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.509135+00:00","generated_at":"2026-06-20T06:36:37.191934+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 Q4 EPS $1.12 beats prior quarter $0.97; declares $0.17 dividend","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-23-000004","json":"https://secwatch.observer/filing/0001541119-23-000004.json","markdown":"https://secwatch.observer/filing/0001541119-23-000004.md","text":"https://secwatch.observer/filing/0001541119-23-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111923000004/0001541119-23-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111923000004/sfbc-20230127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T06:36:37.191934+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":[{"claim_id":"e80bce378ce0c019b7857cd7b9c5ce27a467e192","claim":"Sound Financial Bancorp, Inc. reported the quarter ended December 31, 2022 results: net income $2.9 million, EPS $1.12 diluted earnings per share.","evidence_excerpt":"Sound Financial Bancorp, Inc. (Nasdaq: SFBC), the holding company (the \"Company\") for Sound Community Bank (the \"Bank\"), today reported net income of $2.9 million for the quarter ended December 31, 2022, or $1.12 diluted earnings per share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1541119/000154111923000004/0001541119-23-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$2.9 million"},{"label":"EPS","value":"$1.12 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}