---
schema_version: "secwatch.filing_event.v1"
accession: "0001541119-26-000016"
form_type: "8-K"
ticker: "SFBC"
cik: "0001541119"
company_name: "Sound Financial Bancorp, Inc."
filed_at: "2026-04-28T23:59:59+00:00"
generated_at: "2026-05-15T02:50:57.796062+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Sound Financial Q1 net income $1.6M ($0.61 EPS); NIM expands to 3.49%

## Summary
- Net income $1.6M, diluted EPS $0.61, down from $2.2M ($0.87) in Q4 2025 but up from $1.2M ($0.45) a year ago.
- Net interest income $9.0M (+4.4% QoQ, +12.1% YoY); NIM 3.49% vs 3.36% Q4 and 3.25% Q1 2025.
- Loans $921.5M (+1.8% QoQ, +4.0% YoY); deposits $968.5M (+2.1% QoQ, +6.4% YoY).
- NPAs increased to $7.5M (0.67% of assets) from $6.1M at Q4; provision for credit losses $123k vs $104k Q4 and release of $203k YoY.
- Declared $0.21/share dividend payable May 26 to holders of record May 11.

## SEC filing metadata
- accession: 0001541119-26-000016
- form_type: 8-K
- ticker: SFBC
- cik: 0001541119
- company_name: Sound Financial Bancorp, Inc.
- filed_at: 2026-04-28T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1541119/000154111926000016/0001541119-26-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1541119/000154111926000016/sfbc-20260428.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-26-000016
- JSON: https://secwatch.observer/filing/0001541119-26-000016.json
- Plain text: https://secwatch.observer/filing/0001541119-26-000016.txt

## Key facts
- Earnings Releases
  Sound Financial Bancorp, Inc. reported the first quarter ended March 31, 2026 results: net income net income of $1.6 million, EPS $0.61 diluted earnings per share.
  - Period: the first quarter ended March 31, 2026
  - Net income: net income of $1.6 million
  - EPS: $0.61 diluted earnings per share
  - Result: reported results
  source text: WA, April 28, 2026 — Sound Financial Bancorp, Inc. (the "Company") (Nasdaq: SFBC), the holding company for Sound Community Bank (the "Bank"), today reported net income of $1.6 million for the quarter ended March 31, 2026, or $0.61 diluted earnings per share, compared to net income of $2.2 million, or $0.87 diluted earnings per share, for the quarter ended
  evidence_url: https://www.sec.gov/Archives/edgar/data/1541119/000154111926000016/0001541119-26-000016-index.htm

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