Sound Financial Bancorp (SFBC) director details 500-share Form 4 filing

Rhea-AI Filing 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.

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
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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^*

Jones Debra

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
12/10/2025

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

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	12/10/2025		G		500	D	$0	20,994.51	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)	$36.26							(1)	01/31/2030	Common Stock	120		120	D
Stock Option (Right to Buy)	$32.46							(1)	01/27/2031	Common Stock	300		300	D
Stock Option (Right to Buy)	$42.85							(1)	01/28/2032	Common Stock	320		320	D
Stock Option (Right to Buy)	$40.13							(2)	01/27/2033	Common Stock	320		320	D
Stock Option (Right to Buy)	$39.89							(3)	10/26/2034	Common Stock	265		265	D

Explanation of Responses:

1. Options are fully vested.

2. Options vest in four equal annual installments beginning on January 27, 2023.

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

	/s/ Laura Lee Stewart, Attorney-in-Fact	12/10/2025
	** 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 transaction did a Sound Financial Bancorp (SFBC) director report?

The filing shows a code G transaction on December 10, 2025, in which a director disposed of 500 shares of Sound Financial Bancorp common stock at a reported price of $0 per share.

How many Sound Financial Bancorp (SFBC) shares does the director own after the transaction?

Following the reported transaction, the director beneficially owns 20,994.51 shares of Sound Financial Bancorp common stock, held in direct ownership.

What type of SEC filing disclosed this Sound Financial Bancorp (SFBC) insider transaction?

The transaction is disclosed in a Form 4 filed under Section 16(a) of the Securities Exchange Act of 1934, reporting changes in the director's beneficial ownership.

What stock options are held by the Sound Financial Bancorp (SFBC) director?

The director holds stock options (rights to buy common stock), including options for 120 shares at $36.26 expiring January 31, 2030, and additional option grants for 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.

What is the director’s relationship to Sound Financial Bancorp (SFBC)?

The filing identifies the reporting person’s relationship to Sound Financial Bancorp, Inc. as a Director, with the Form 4 filed by one reporting person.

How do the stock options for the Sound Financial Bancorp (SFBC) director vest?

Explanatory notes state that some options are fully vested, while others vest in four equal annual installments beginning on January 27, 2023 and three equal annual installments beginning on January 26, 2025.