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Sound Finl Bancorp Inc SEC Filings

SFBC Nasdaq

Welcome to our dedicated page for Sound Finl Bancorp SEC filings (Ticker: SFBC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.

Looking for the numbers behind Sound Financial Bancorp’s celebrated community banking model? Start here. Whether you need the Sound Financial Bancorp quarterly earnings report 10-Q filing or a deep dive into loan performance from the latest annual report 10-K simplified, this page delivers every SEC disclosure as soon as it hits EDGAR.

Stock Titan’s AI summarizes each document, turning technical footnotes into plain-English insights. Instead of combing through hundreds of pages, you’ll instantly grasp allowance for credit losses, deposit growth trends, and segment details on unique products like boat and RV loans—Sound Financial Bancorp SEC filings explained simply.

Typical investor journey, simplified:

  • Catch material announcements in minutes with Sound Financial Bancorp 8-K material events explained.
  • Monitor Sound Financial Bancorp Form 4 insider transactions real-time to spot executive sentiment before the market reacts.
  • Compare quarter-over-quarter margin shifts through our AI-tagged metrics in each earnings report filing analysis.

Need specifics on pay packages? The proxy section answers “Sound Financial Bancorp proxy statement executive compensation” queries and highlights board governance data. Curious about ownership changes? Our alerts track every Sound Financial Bancorp executive stock transactions Form 4 filing.

With complete coverage—10-K, 10-Q, 8-K, S-1, and Sound Financial Bancorp insider trading Form 4 transactions—plus AI-powered red-flag detection, Stock Titan gives you the clarity to act fast. It’s all the information you’d expect from a large-cap issuer, tailored to a community bank where each disclosure matters.

Rhea-AI Summary

A director of Sound Financial Bancorp, Inc. reported a disposition of 500 shares of common stock in a code G transaction dated December 10, 2025, at a reported price of $0 per share. After this transaction, the director beneficially owns 20,994.51 shares of common stock held directly.

The filing also lists stock options to purchase common stock, including options covering 120 shares at an exercise price of $36.26 expiring on January 31, 2030, and additional option grants covering 300, 320, 320 and 265 shares at exercise prices of $32.46, $42.85, $40.13 and $39.89, expiring between January 27, 2031 and October 26, 2034. Footnotes note that some options are fully vested and others vest in equal annual installments beginning on January 27, 2023 and January 26, 2025.

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Sound Financial Bancorp (SFBC) insider filing: the EVP/COO reported an option exercise and related tax withholding on 11/13/2025. He exercised 2,500 stock options at a strike price of $28.34 (code M), and 1,584 shares were withheld to cover taxes at $44.74 (code F).

After these transactions, he directly owns 16,073 shares, plus 9,008 shares held by ESOP and 2,264 shares held in a 401(k) plan. Remaining stock options disclosed include tranches such as 1,400 at $35.27 expiring 11/19/2028 and 1,900 at $32.46 expiring 01/27/2031, among others.

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Sound Financial Bancorp (SFBC) reported Q3 2025 results. Net income was $1.7M with diluted EPS of $0.66, up from $1.154M a year ago. Net interest income rose to $8.94M as interest expense declined to $5.71M. Noninterest expense was $7.68M. For the nine months, net income reached $4.91M and diluted EPS was $1.90.

Total assets were $1.06B and deposits were $898.9M at September 30, 2025. Loans held-for-portfolio were $909.7M with an allowance for credit losses of $8.56M. Cash and cash equivalents increased to $101.2M. Stockholders’ equity was $107.5M, including accumulated other comprehensive loss of $0.96M.

Credit metrics improved: nonaccrual loans declined to $2.72M from $7.49M at year-end 2024, while past-due loans totaled $7.32M. The Company recorded a small provision for credit losses of $55K in Q3 and $22K year-to-date, alongside a negative fair value adjustment on mortgage servicing rights of $372K in Q3.

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Sound Financial Bancorp, Inc. (SFBC) furnished its earnings press release for the third quarter and period ended September 30, 2025. The company also announced its Board declared a regular cash dividend of $0.19 per share, payable on November 21, 2025 to stockholders of record as of the close of business on November 7, 2025.

The press release is provided as Exhibit 99.1. Common stock trades on Nasdaq under the symbol SFBC.

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AllianceBernstein L.P. reported a beneficial holding in Sound Financial Bancorp Inc. The filing shows 89,123 shares held in client discretionary investment advisory accounts, representing 3.5% of the class. AllianceBernstein states it has sole voting and sole dispositive power over these shares and that they were acquired solely for investment purposes. Item 5 of the filing notes ownership of 5 percent or less of the class. The filing also classifies the filer as an investment adviser (IA) and includes a certification that the position is not held to change or influence control of the issuer.

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Sound Financial Bancorp (SFBC) Form 4 filing: Director David S. Haddad Jr. reported one bona-fide gift transaction (code G) dated 08/06/2025 involving 22 common shares at a price of $0. Following the gift, his direct holdings equal 4,368 shares, down slightly from 4,390. He continues to hold 13,548 shares indirectly through an IRA.

The filing also lists six outstanding director stock-option grants, fully vested or on standard vesting schedules, covering a combined 1,575 shares with exercise prices between $32.46 and $42.85 and expirations from 2029-2034. No options were exercised or altered in this report.

Materiality: The gift represents <1% of Haddad’s total reported equity exposure and has no impact on SFBC’s share count, operations, or financial outlook. The event appears routine and non-market-moving.

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FAQ

What is the current stock price of Sound Finl Bancorp (SFBC)?

The current stock price of Sound Finl Bancorp (SFBC) is $43.85 as of January 12, 2026.

What is the market cap of Sound Finl Bancorp (SFBC)?

The market cap of Sound Finl Bancorp (SFBC) is approximately 104.4M.
Sound Finl Bancorp Inc

Nasdaq:SFBC

SFBC Rankings

SFBC Stock Data

104.36M
2.12M
17.42%
37.82%
1.22%
Banks - Regional
Savings Institution, Federally Chartered
Link
United States
SEATTLE