secwatch.observer — SEC 8-K summary
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Issuer:     Sound Financial Bancorp, Inc. (SFBC)
CIK:        0001541119
Form:       8-K
Filed at:   2025-10-28T23:59:59+00:00
Accession:  0001541119-25-000039
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1541119/000154111925000039/0001541119-25-000039-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1541119/000154111925000039/sfbc-20251028.htm
  HTML page:      https://secwatch.observer/filing/0001541119-25-000039

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer