Sound Financial Bancorp Q4 net income $1.9M (EPS $0.74); NIM up to 3.13%; declares $0.19 dividend

Sound Financial Bancorp, Inc.

2024-FY EPS reported $1.80

Net income $1.9M ($0.74 diluted EPS) vs $1.2M ($0.45) in Q3 2024 and $1.2M ($0.47) in Q4 2023.
Net interest margin improved to 3.13% from 2.98% in Q3; deposit costs fell 16 bps.
Nonperforming loans decreased 11.8% to $7.5M; no OREO for first time in over a decade.
Declared $0.19/share cash dividend payable Feb 26, 2025 to holders of record Feb 12.
Total assets down 9.7% to $993.6M from $1.10B in Q3; below $1B threshold.

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