[Form 4] Sound Financial Bancorp, Inc. Insider Trading Activity

Rhea-AI Filing Summary

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.

Insights

Corporate Governance Analyst

TL;DR: Routine director gift of 22 shares; ownership essentially unchanged—no market impact.

The filing shows a minor charitable or personal transfer by Director Haddad. Post-transaction, he still controls 17,916 shares (direct + indirect) plus 1,575 vested/unvested options. The fractional size (<0.01 % of SFBC’s 2.6 m outstanding shares) and $0 consideration signal no valuation view or liquidity need. Vesting schedules on options remain standard, so no early acceleration concerns. Overall, governance risk or signaling value is negligible.

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^*

Haddad David S Jr

(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)
08/06/2025

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								13,548	I	By IRA
Common Stock	08/06/2025		G		22	D	$0	4,368	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)	$33.5							(1)	01/25/2029	Common Stock	250		250	D
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)	01/26/2034	Common Stock	265		265	D

Explanation of Responses:

1. Options are fully exercisable.

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	08/06/2025
	** 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).
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FAQ

How many SFBC shares did Director David S. Haddad Jr. gift on 08/06/2025?

He gifted 22 common shares at a price of $0.

What is Haddad’s total direct share ownership in SFBC after the transaction?

His direct holdings stand at 4,368 shares.

How many SFBC shares does Haddad hold indirectly through his IRA?

He retains 13,548 shares indirectly via an IRA.

Were any stock options exercised or modified in this Form 4 filing?

No; all six listed option grants (total 1,575 shares) remain unchanged.

Does the reported gift transaction affect SFBC’s outstanding share count or earnings?

No; insider gifts are transfers of existing shares and have no impact on company financials.