---
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"
generated_at: "2026-05-17T23:40:12.731896+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Sound Financial Q2 net income $2.1M ($0.79 EPS), up from $0.45 prior quarter; dividend $0.19

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1541119/000154111925000031/0001541119-25-000031-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/sfbc-20250729.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-25-000031
- JSON: https://secwatch.observer/filing/0001541119-25-000031.json
- Plain text: https://secwatch.observer/filing/0001541119-25-000031.txt

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