Sound Financial Bancorp (NASDAQ: SFBC) posts Q4 2025 results and dividend

Rhea-AI Filing Summary

Sound Financial Bancorp, Inc. reported fourth-quarter and full-year 2025 results and declared its regular cash dividend. The company furnished an earnings press release for the quarter and year ended December 31, 2025 as an exhibit to this report.

The Board declared a cash dividend of $0.21 per share on its common stock, payable on February 23, 2026 to stockholders of record as of the close of business on February 9, 2026. Both the earnings and dividend details are contained in the referenced press release.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

___________________________

FORM 8-K

_____________________________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 27, 2026

SOUND FINANCIAL BANCORP, INC.

(Exact name of registrant as specified in its charter)

Maryland

001-35633

45-5188530

(State or other jurisdiction of incorporation)

(Commission File No.)

(IRS Employer Identification No.)

2400 3rd Avenue, Suite 150, Seattle, Washington						98121
(Address of principal executive offices)						(Zip Code)

Registrant's telephone number, including area code: (206) 448-0884

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, $0.01 par value			SFBC			The NASDAQ Stock Market LLC

Indicated by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act

☐

Items to be Included in this Report

Item 2.02.           Results of Operations and Financial Condition.

On January 27, 2026, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the fourth quarter and year ended December 31, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Item 8.01.           Other Events.

On January 27, 2026, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.21 per share, payable on February 23, 2026 to stockholders of record as of the close of business on February 09, 2026. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01.            Financial Statements and Exhibits.

(d)   Exhibits

The following exhibit is being furnished herewith and this list shall constitute the exhibit index:

99.1			Press Release dated January 27, 2026 announcing fourth quarter 2025 earnings and regular quarterly cash dividend.
104			Cover page interactive data file (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

			SOUND FINANCIAL BANCORP, INC.
Date: January 27, 2026			By:			/s/ Laura Lee Stewart
						Laura Lee Stewart
						CEO

FAQ

What did Sound Financial Bancorp (SFBC) disclose in the January 27, 2026 filing?

Sound Financial Bancorp disclosed that it issued an earnings press release for the fourth quarter and full year ended December 31, 2025, and announced a cash dividend on its common stock. Both the financial results and dividend details are provided in the attached press release.

What dividend did Sound Financial Bancorp (SFBC) declare for common shareholders?

The company declared a cash dividend of $0.21 per share on its common stock. This dividend reflects the Board of Directors’ decision to continue returning capital to shareholders, with additional specifics available in the accompanying press release furnished as an exhibit.

When is the record date for Sound Financial Bancorp’s $0.21 dividend?

The record date for the $0.21 per share cash dividend is the close of business on February 9, 2026. Shareholders of record on that date will be eligible to receive the dividend payment described in the company’s announcement and press release.

When will Sound Financial Bancorp (SFBC) pay its declared cash dividend?

Sound Financial Bancorp scheduled payment of the $0.21 per share cash dividend for February 23, 2026. Shareholders who are on record as of February 9, 2026 will receive this distribution, as outlined in the company’s dividend and earnings announcement.

Where can investors find Sound Financial Bancorp’s Q4 and 2025 results details?

Detailed fourth-quarter and full-year 2025 results are contained in the company’s earnings press release. That press release is furnished as Exhibit 99.1, which is incorporated by reference and provides the specific financial figures and additional commentary.

What exhibit accompanied Sound Financial Bancorp’s January 27, 2026 disclosure?

The company furnished Exhibit 99.1, a press release dated January 27, 2026 announcing fourth quarter 2025 earnings and the regular quarterly cash dividend. An additional exhibit provides the cover page interactive data file embedded within the Inline XBRL document.