Sound Financial Bancorp (NASDAQ: SFBC) COO exercises options and updates ESOP, 401(k) shares

Rhea-AI Filing Summary

Sound Financial Bancorp Executive Vice President/COO files amended insider trading report detailing stock option activity and plan holdings. On 11/13/2025, the officer exercised stock options for 2,500 shares of common stock at an exercise price of $28.34 per share, coded as an "M" transaction. On the same date, 1,584 shares were withheld in an "F" transaction at $44.74 per share, typically used to cover taxes, leaving 16,073 shares of common stock held directly.

The filing also reports indirect holdings of 10,147 shares held by the company Employee Stock Ownership Plan and 2,485 shares held by the 401(k) Plan. The amendment clarifies that these plan shares were previously allocated automatically to the reporting person’s accounts and had not been reported earlier, and that their allocation did not involve a separate reportable transaction by the officer.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Sexton Heidi

(Last) (First) (Middle)

C/O SOUND FINANCIAL BANCORP, INC.

2400 3RD AVENUE, SUITE 150

(Street)

SEATTLE WA 98121

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Sound Financial Bancorp, Inc. [ SFBC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Executive Vice President/COO

3. Date of Earliest Transaction (Month/Day/Year)
11/13/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)
11/14/2025

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock								10,147(5)	I	Held by ESOP
Common Stock								2,485(5)	I	Held by 401(k) Plan
Common Stock	11/13/2025		M		2,500	A	$28.34	17,657	D
Common Stock	11/13/2025		F		1,584	D	$44.74	16,073	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option (Right to Buy)	$35.27							(1)	11/19/2028	Common Stock	1,400		1,400	D
Stock Option (Right to Buy)	$28.34	11/13/2025		M			2,500	(1)	01/27/2027	Common Stock	2,500	$0	0	D
Stock Option (Right to Buy)	$33.5							(1)	01/25/2029	Common Stock	1,500		1,500	D
Stock Option (Right to Buy)	$36.26							(1)	01/31/2030	Common Stock	1,350		1,350	D
Stock Option (Right to Buy)	$32.46							(1)	01/27/2031	Common Stock	1,900		1,900	D
Stock Option (Right to Buy)	$42.85							(2)	01/28/2032	Common Stock	2,000		2,000	D
Stock Option (Right to Buy)	$40.13							(3)	01/27/2033	Common Stock	1,600		1,600	D
Stock Option (Right to Buy)	$39.89							(4)	01/26/2034	Common Stock	900		900	D

Explanation of Responses:

1. Option is fully exercisable.

2. Options vest in five equal annual installments beginning on January 28, 2022.

3. Options vest in five equal annual installments beginning on January 27, 2023.

4. Options vest in three equal installments beginning on January 26, 2025.

5. This amendment is being filed to reflect shares of common stock previously allocated to the reporting persons accounts under the Company's Employee Stock Ownership Plan and 401(k) Plan that were previously unreported. The allocation of such shares occurred automatically and did not involve a reportable transaction by the reporting person.

	/s/ Laura Lee Stewart, Attorney-in-Fact	01/23/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider activity did SFBC's Executive Vice President/COO report on 11/13/2025?

The Executive Vice President/COO reported exercising stock options for 2,500 shares of Sound Financial Bancorp common stock at an exercise price of $28.34 per share, coded as an "M" transaction, and an "F" transaction in which 1,584 shares were disposed of at $44.74 per share, typically associated with shares withheld to cover taxes.

How many SFBC shares does the reporting officer own directly after the reported transactions?

Following the 11/13/2025 transactions, the officer beneficially owns 16,073 shares of Sound Financial Bancorp common stock in direct form.

What indirect holdings in SFBC stock are reported through benefit plans?

The filing reports indirect beneficial ownership of 10,147 shares of common stock held by the company’s Employee Stock Ownership Plan (ESOP) and 2,485 shares held by the 401(k) Plan for the officer’s accounts.

Why is this SFBC Form 4 filing labeled as an amendment?

The report is an amendment to reflect shares of common stock previously allocated automatically to the reporting person’s ESOP and 401(k) accounts that had been unreported earlier. The explanation notes that these allocations occurred automatically and did not involve a separate reportable transaction by the officer.

What stock options does the SFBC officer still hold after the reported transactions?

After exercising 2,500 options at $28.34 (which reduced that specific grant to zero), the officer reports remaining stock options to buy Sound Financial Bancorp common stock, including grants with exercise prices such as $35.27, $33.50, $36.26, $32.46, $42.85, $40.13, and $39.89, with expiration dates ranging from 11/19/2028 to 01/26/2034.

What vesting schedules are disclosed for the SFBC stock options in this filing?

The filing explains that one option is already fully exercisable, while others vest in installments. Certain options vest in five equal annual installments beginning on January 28, 2022 and January 27, 2023, and another grant vests in three equal installments beginning on January 26, 2025.