Sound Financial EVP exercises 2,500 options; 1,584 withheld

Sound Financial Bancorp (SFBC) insider filing: the EVP/COO reported an option exercise and related tax withholding on 11/13/2025.

Rhea-AI Filing Summary

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.

Insider Trade Summary

2,500 shares exercised/converted

Exercise 12 txns

Insider Sexton Heidi

Role Executive Vice President/COO

Type	Security	Shares	Price	Value
Exercise	Stock Option (Right to Buy)	2,500	$0.00	$0.00
Exercise	Common Stock	2,500	$28.34	$71K
Exercise Price or Tax Liability	Common Stock	1,584	$44.74	$71K
holding	Stock Option (Right to Buy)	--	--	--
holding	Stock Option (Right to Buy)	--	--	--
holding	Stock Option (Right to Buy)	--	--	--
holding	Stock Option (Right to Buy)	--	--	--
holding	Stock Option (Right to Buy)	--	--	--
holding	Stock Option (Right to Buy)	--	--	--
holding	Stock Option (Right to Buy)	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Stock Option (Right to Buy) — 10,650 contracts (Direct); Common Stock — 16,073 shares (Direct); Common Stock — 9,008 shares (Indirect, Held by ESOP); Common Stock — 2,264 shares (Indirect, Held by 401(k) Plan)

Footnotes (4)

1. F1. Option is fully exercisable.
2. F2. Options vest in five equal annual installments beginning on January 28, 2022.
3. F3. Options vest in five equal annual installments beginning on January 27, 2023.
4. F4. Options vest in three equal installments beginning on January 26, 2025.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did SFBC's EVP/COO report on Form 4?

An option exercise of 2,500 shares at $28.34 and tax withholding of 1,584 shares at $44.74 on 11/13/2025.

How many SFBC shares does the insider own after the transactions?

Direct ownership is 16,073 shares; additionally 9,008 are held by ESOP and 2,264 in a 401(k) plan.

What do the transaction codes M and F mean here?

M indicates an option exercise; F indicates shares withheld to cover taxes.

Were any shares sold on the open market?

The filing shows tax withholding (code F); it does not list an open-market sale.

What stock options remain outstanding for the insider?

Disclosed tranches include 1,400 at $35.27 expiring 11/19/2028 and 1,900 at $32.46 expiring 01/27/2031, among others with expirations through 01/26/2034.

What is the insider’s role at Sound Financial Bancorp?

He is the company’s Executive Vice President/Chief Operating Officer.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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Accepted by SEC EDGAR 11/14/2025 - 03:27 PM Learn about SEC filing dates

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)

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	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
Common Stock								9,008	I	Held by ESOP
Common Stock								2,264	I	Held by 401(k) Plan

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)	$28.34	11/13/2025		M			2,500	(1)	01/27/2027	Common Stock	2,500	$0	0	D
Stock Option (Right to Buy)	$35.27							(1)	11/19/2028	Common Stock	1,400		1,400	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.

	/s/ Laura Lee Stewart, Attorney-in-Fact	11/14/2025
	** 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.