---
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"
generated_at: "2026-05-17T01:55:40.882444+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-25-000039
- JSON: https://secwatch.observer/filing/0001541119-25-000039.json
- Plain text: https://secwatch.observer/filing/0001541119-25-000039.txt

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