Sound Financial Q3 EPS $0.66, net income $1.7M; dividend declared $0.19/share

Sound Financial Bancorp, Inc.

2025-Q3 EPS reported $1.90

Q3 2025 net income $1.7M vs $2.1M in Q2 2025 and $1.2M in Q3 2024.
Diluted EPS $0.66; YoY increase from $0.45 per share.
Net interest margin 3.48%, up 50 bps YoY from 2.98%.
Nonperforming loans fell 68% YoY to $2.7M; ACL coverage 315%.
Board declared $0.19/share dividend, payable Nov 21 to holders of record Nov 7.

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