Sound Finl Bancorp Inc Stock Price, News & Analysis

Sound Financial Bancorp (Nasdaq: SFBC) reported Q4 2025 net income of $2.2 million, or $0.87 diluted EPS, and declared a cash dividend of $0.21 per share payable Feb 23, 2026. Total assets were $1.09 billion and total deposits were $948.9 million at Dec 31, 2025. Net interest margin was 3.36%. Noninterest expense fell to $6.8 million, while total nonperforming loans were $5.8 million and allowance coverage of nonperforming loans was 148.82%.

Management cited expense control, funding-cost optimization, improved liquidity, and a commercial loan pipeline as drivers of operational progress entering 2026.

Sound Financial Bancorp (Nasdaq: SFBC) reported Q3 2025 net income $1.7M or $0.66 diluted EPS, vs $2.1M ($0.79) in Q2 2025 and $1.2M ($0.45) in Q3 2024. The Board declared a $0.19 cash dividend payable Nov 21, 2025 to holders of record Nov 7, 2025.

Key quarterly metrics: net interest income $8.94M (down 3.4% QoQ, up 13.6% YoY), NIM 3.48% (up 50 bps YoY), loans $909.7M (+0.6% QoQ), deposits $898.9M, loans-to-deposits 101%, and nonperforming loans $2.7M (down 68% YoY, NPL ratio 0.30%). Provision for credit losses was $55k. Company paid down $4M of subordinated debt after quarter end and remains well-capitalized.

Sound Community Bank (NASDAQ:SFBC) President and CEO Laurie Stewart has been named to American Banker's "Most Powerful Women to Watch" list for 2025. Under Stewart's 35-year leadership, the institution transformed from a $38 million credit union to a $1 billion publicly traded commercial bank.

Stewart's notable achievements include serving on the inaugural FDIC Community Bank Advisory Board, becoming the third woman to chair the American Bankers Association Board in its 150-year history, and serving on the Federal Reserve Bank of San Francisco's Board. The recognition ceremony will take place at The Most Powerful Women in Banking Gala on October 23, 2025, in New York City.

Sound Financial Bancorp (NASDAQ:SFBC) has announced a significant leadership transition, appointing Wes Ochs as President of both the Company and Sound Community Bank, effective October 1, 2025. Ochs will maintain his current role as Chief Financial Officer, which he has held since 2021.

Ochs brings 23 years of banking experience and has been instrumental in driving operational efficiencies, enhancing lending operations, and strengthening financial reporting since joining SFBC. Current CEO Laurie Stewart, who has been with the organization for 35 years and led its transformation from a credit union to a commercial bank, will continue as Chief Executive Officer to ensure leadership continuity and guide long-term strategy.

Sound Financial Bancorp (Nasdaq: SFBC) reported strong Q2 2025 financial results with net income of $2.1 million, or $0.79 diluted EPS, compared to $1.2 million ($0.45 EPS) in Q1 2025 and $795,000 ($0.31 EPS) in Q2 2024.

Key highlights include: Net interest income increased 14.7% to $9.3 million QoQ, net interest margin improved to 3.67% from 3.25% in Q1, and nonperforming loans decreased 65.1% to $3.4 million. The company's loan portfolio grew 2% to $904.3 million, while total deposits decreased 1.2% to $899.5 million.

The Board declared a quarterly cash dividend of $0.19 per share, payable on August 25, 2025. The bank maintains "well-capitalized" status with improved credit quality and resolved three of its four largest nonaccrual loans during the quarter.

Sound Financial Bancorp reported Q1 2025 net income of $1.2 million ($0.45 per diluted share), compared to $1.9 million in Q4 2024 and $770,000 in Q1 2024. The company declared a $0.19 per share cash dividend, payable May 23, 2025.

Key financial highlights:

• Total assets increased 7.6% to $1.07 billion
• Net interest margin improved to 3.25%
• Total deposits grew 8.7% to $910.3 million
• Loans-to-deposits ratio at 98%

The bank released $203,000 in credit loss provisions and maintained "well-capitalized" status. While nonperforming loans increased by 28.9% to $9.7 million, management noted that 83% of these are concentrated in just four well-secured loans. The bank focused on lowering deposit costs and originating higher-rate loans, resulting in improved net interest margin despite ongoing economic uncertainty.

Sound Financial Bancorp (NASDAQ: SFBC) has announced its upcoming annual shareholders meeting, scheduled for Tuesday, May 27, 2025. The company has set March 31, 2025 as the record date for determining shareholders eligible to vote at the meeting.

Sound Financial Bancorp (SFBC) reported Q4 2024 net income of $1.9 million ($0.74 diluted EPS), compared to $1.2 million ($0.45 EPS) in Q3 2024 and $1.2 million ($0.47 EPS) in Q4 2023. The Board declared a $0.19 per share cash dividend, payable February 26, 2025.

Key Q4 2024 highlights include:

• Net interest margin increased 15 basis points to 3.13%
• Total assets decreased 9.7% to $993.6 million
• Net interest income rose 4.4% to $8.2 million
• Nonperforming loans decreased 11.8% to $7.5 million
• Total deposits decreased 9.9% to $837.8 million
• Loans-to-deposits ratio was 108%

The Bank maintained well-capitalized status and reduced deposit costs by 16 basis points. Management highlighted their successful balance sheet strategy to keep assets below $1 billion for operational flexibility and cost savings in 2025.

Sound Financial Bancorp (NASDAQ: SFBC) reported Q3 2024 net income of $1.2 million, or $0.45 diluted EPS, up from $795,000 ($0.31 EPS) in Q2 2024. The company declared a $0.19 per share cash dividend. Total assets increased 2.4% to $1.10 billion, with loans surpassing $900 million for the first time. Net interest margin improved to 2.98% from 2.92% in Q2. Total deposits grew 2.6% to $930.2 million. Nonperforming loans decreased 4.7% to $8.5 million, though up significantly from $1.8 million year-over-year.