---
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"
generated_at: "2026-06-20T06:36:37.191934+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Sound Financial Q4 EPS $1.12 beats prior quarter $0.97; declares $0.17 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1541119/000154111923000004/0001541119-23-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1541119/000154111923000004/sfbc-20230127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-23-000004
- JSON: https://secwatch.observer/filing/0001541119-23-000004.json
- Plain text: https://secwatch.observer/filing/0001541119-23-000004.txt

## Key facts
- Earnings Releases
  Sound Financial Bancorp, Inc. reported the quarter ended December 31, 2022 results: net income $2.9 million, EPS $1.12 diluted earnings per share.
  - Period: the quarter ended December 31, 2022
  - Net income: $2.9 million
  - EPS: $1.12 diluted earnings per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1541119/000154111923000004/0001541119-23-000004-index.htm

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