Sound Financial Q4 net income $2.2M ($0.87 EPS), NPLs surge 112.8% to $5.8M

Sound Financial Bancorp, Inc.

2025-FY EPS reported $2.77

Net income $2.2M, up 29% QoQ from $1.7M; diluted EPS $0.87 vs $0.66 prior quarter.
Net interest margin 3.36%, down 12 bps QoQ but up 23 bps YoY; total assets $1.09B (+3.0% QoQ).
Nonperforming loans jumped $3.1M to $5.8M (0.64% of loans), driven by two well-secured credits.
Provision for credit losses $104K vs $55K prior quarter; allowance-to-loans 0.95%.
Board declared $0.21/share dividend, payable Feb 23, 2026, record Feb 9, 2026 (unchanged).

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