{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-25-000031","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2025-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.283326+00:00","generated_at":"2026-05-17T23:40:12.731896+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 Q2 net income $2.1M ($0.79 EPS), up from $0.45 prior quarter; dividend $0.19","bullets":["Net income $2.1M, diluted EPS $0.79 vs $0.45 Q1 2025 and $0.31 Q2 2024.","NIM improved to 3.67% from 3.25% QoQ; net interest income $9.3M, up 14.7%.","Nonperforming loans fell 65% to $3.4M; three of four largest nonaccruals resolved.","Loans held-for-portfolio grew 2% to $904.3M; provision of $170k recorded.","Dividend $0.19/share declared, payable Aug 25, 2025 to holders Aug 11."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-25-000031","json":"https://secwatch.observer/filing/0001541119-25-000031.json","markdown":"https://secwatch.observer/filing/0001541119-25-000031.md","text":"https://secwatch.observer/filing/0001541119-25-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/0001541119-25-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/sfbc-20250729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:40:12.731896+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"}