Sound Financial Q3 net income $1.2M, EPS $0.45; NIM improves to 2.98%, loans top $900M

Sound Financial Bancorp, Inc.

2024-Q3 EPS reported $1.05

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.

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