---
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"
generated_at: "2026-05-16T06:59:11.350142+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-26-000003
- JSON: https://secwatch.observer/filing/0001541119-26-000003.json
- Plain text: https://secwatch.observer/filing/0001541119-26-000003.txt

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