{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-25-000002","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.952800+00:00","generated_at":"2026-05-27T05:18:20.488518+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 Bancorp Q4 net income $1.9M (EPS $0.74); NIM up to 3.13%; declares $0.19 dividend","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-25-000002","json":"https://secwatch.observer/filing/0001541119-25-000002.json","markdown":"https://secwatch.observer/filing/0001541119-25-000002.md","text":"https://secwatch.observer/filing/0001541119-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111925000002/0001541119-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111925000002/sfbc-20250129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:18:20.488518+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}