{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-26-000003","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.382690+00:00","generated_at":"2026-05-16T06:59:11.350142+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Sound Financial Q4 net income $2.2M ($0.87 EPS), NPLs surge 112.8% to $5.8M","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-26-000003","json":"https://secwatch.observer/filing/0001541119-26-000003.json","markdown":"https://secwatch.observer/filing/0001541119-26-000003.md","text":"https://secwatch.observer/filing/0001541119-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111926000003/0001541119-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111926000003/sfbc-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:59:11.350142+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"}