{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-25-000039","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.691402+00:00","generated_at":"2026-05-17T01:55:40.882444+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Sound Financial Q3 EPS $0.66, net income $1.7M; dividend declared $0.19/share","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-25-000039","json":"https://secwatch.observer/filing/0001541119-25-000039.json","markdown":"https://secwatch.observer/filing/0001541119-25-000039.md","text":"https://secwatch.observer/filing/0001541119-25-000039.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111925000039/0001541119-25-000039-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111925000039/sfbc-20251028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:55:40.882444+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"}