---
schema_version: "secwatch.filing_event.v1"
accession: "0001541119-24-000051"
form_type: "8-K"
ticker: "SFBC"
cik: "0001541119"
company_name: "Sound Financial Bancorp, Inc."
filed_at: "2024-10-31T23:59:59+00:00"
generated_at: "2026-05-30T07:25:02.823751+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001541119-24-000051
- form_type: 8-K
- ticker: SFBC
- cik: 0001541119
- company_name: Sound Financial Bancorp, Inc.
- filed_at: 2024-10-31T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1541119/000154111924000051/0001541119-24-000051-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1541119/000154111924000051/sfbc-20241030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-24-000051
- JSON: https://secwatch.observer/filing/0001541119-24-000051.json
- Plain text: https://secwatch.observer/filing/0001541119-24-000051.txt

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