secwatch.observer — SEC 8-K summary
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Issuer:     Sound Financial Bancorp, Inc. (SFBC)
CIK:        0001541119
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0001541119-26-000003
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1541119/000154111926000003/0001541119-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1541119/000154111926000003/sfbc-20260127.htm
  HTML page:      https://secwatch.observer/filing/0001541119-26-000003

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