---
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"
generated_at: "2026-05-27T05:18:20.488518+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1541119/000154111925000002/0001541119-25-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1541119/000154111925000002/sfbc-20250129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-25-000002
- JSON: https://secwatch.observer/filing/0001541119-25-000002.json
- Plain text: https://secwatch.observer/filing/0001541119-25-000002.txt

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