---
schema_version: "secwatch.filing_event.v1"
accession: "0001541119-25-000017"
form_type: "8-K"
ticker: "SFBC"
cik: "0001541119"
company_name: "Sound Financial Bancorp, Inc."
filed_at: "2025-04-30T23:59:59+00:00"
generated_at: "2026-05-23T02:18:15.372742+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Sound Financial Q1 net income $1.2M ($0.45 EPS), NIM expands to 3.25%, declares $0.19 dividend

## Summary
- Net income of $1.2M ($0.45 diluted EPS) vs $1.9M ($0.74) in Q4 2024 and $770K ($0.30) in Q1 2024.
- Net interest margin improved 12 bps to 3.25% from 3.13% in Q4 2024; NII up 8.2% YoY to $8.1M.
- Loans held-for-portfolio fell $13.9M to $886.2M; deposits rose $72.5M to $910.3M QoQ.
- Nonperforming loans rose $2.2M to $9.7M (1.09% of loans); one $988K CRE loan repaid post-quarter.
- Declared $0.19 per share cash dividend, payable May 23, 2025 to holders of record May 9, 2025.

## SEC filing metadata
- accession: 0001541119-25-000017
- form_type: 8-K
- ticker: SFBC
- cik: 0001541119
- company_name: Sound Financial Bancorp, Inc.
- filed_at: 2025-04-30T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/1541119/000154111925000017/0001541119-25-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1541119/000154111925000017/sfbc-20250429.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-25-000017
- JSON: https://secwatch.observer/filing/0001541119-25-000017.json
- Plain text: https://secwatch.observer/filing/0001541119-25-000017.txt

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