Welcome to our dedicated page for Sound Finl Bancorp SEC filings (Ticker: SFBC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The SEC filings page for Sound Financial Bancorp, Inc. (NASDAQ: SFBC) provides access to the company’s official regulatory disclosures as a public bank holding company. Through these documents, investors can review how the parent of Sound Community Bank reports its financial condition, results of operations, governance decisions, and other material events.
Recent Form 8-K filings describe quarterly earnings press releases and cash dividend declarations on SFBC common stock. These reports outline when the Board of Directors announces financial results for specific quarters and when it declares cash dividends, including the record and payment dates. Other 8-K filings detail executive leadership changes, such as the adoption of an executive leadership transition plan and the appointment of a President who also continues to serve as Chief Financial Officer, while the existing Chief Executive Officer remains in that role.
In addition to current reports on Form 8-K, investors can use this page to locate annual reports on Form 10-K and quarterly reports on Form 10-Q, which provide more extensive information about Sound Financial Bancorp’s banking operations, loan portfolio composition, funding sources, and risk factors. Proxy statements referenced in filings offer further detail on executive compensation and governance practices.
Stock Titan enhances these filings with AI-powered summaries that explain key points in plain language, helping readers interpret complex regulatory text. Real-time updates from the SEC’s EDGAR system ensure that new SFBC filings, including Forms 10-K, 10-Q, 8-K, and Form 4 insider transaction reports, appear promptly. Users can quickly see when directors or officers report transactions in company stock, how the Board addresses dividends, and how management discusses the performance of Sound Community Bank within the holding company structure.
Sound Financial Bancorp President and CEO Laura Lee Stewart reported an indirect open-market sale of 900 shares of Common Stock on March 31, 2026, executed at $44.13 per share. The sale was made by the trustee of the Stewart Charitable Remainder Trust under pre-set instructions pursuant to Rule 10b5-1(c).
After this transaction, the trust holds 9,900 shares, while Stewart also has 49,602 Common shares held directly, and additional indirect holdings of 14,409 shares through an ESOP and 18,906 shares through a 401(k). She also retains several stock option awards covering underlying Common Stock with exercise prices between the mid-$30s and about $40 per share and expirations extending from 2029 to 2034.
Sound Financial Bancorp, Inc. reports a community banking profile centered on the Seattle and Olympic Peninsula markets, with total consolidated assets of $1.1 billion at December 31, 2025. The balance sheet includes $905.5 million of loans held-for-portfolio, deposits of $948.9 million and stockholders’ equity of $109.4 million.
The loan portfolio is diversified across real estate and consumer credit, led by commercial and multifamily real estate at $409.7 million (45.1% of loans), one-to-four family mortgages at $253.8 million (28.1%) and construction and land at $50.3 million (5.5%). Consumer lending totals $147.0 million (16.1%), heavily weighted to floating homes and manufactured homes.
Asset quality metrics show nonaccrual loans of $5.8 million, or 0.64% of total loans, and total nonperforming assets of $6.1 million, or 0.56% of total assets. The allowance for credit losses on loans is $8.6 million, equal to 0.95% of total loans and 148.82% of nonaccrual loans, with net charge-offs of $106 thousand for 2025.
AllianceBernstein L.P. has filed a Schedule 13G reporting beneficial ownership of 157,493 shares of Sound Financial Bancorp Inc. common stock, representing 6.1% of the class as of 12/31/2025.
The shares are held in discretionary investment advisory accounts for clients, with AllianceBernstein having sole power to vote and dispose of all 157,493 shares and no shared voting or dispositive power. AllianceBernstein certifies the position was acquired and is held in the ordinary course of business, not for the purpose of changing or influencing control of Sound Financial Bancorp.
Sound Financial Bancorp, Inc. filed a report to announce the timing of its next annual shareholders meeting. The annual meeting will be held on Tuesday, May 26, 2026. Shareholders must be on the company’s books as of March 31, 2026 to be entitled to vote at the meeting.
The filing attaches a press release with the same information and notes that Sound Financial Bancorp is the parent of Sound Community Bank, a Fannie Mae approved lender and servicer with branches and a loan production office in the Seattle, Washington area.
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.
Sound Financial Bancorp, Inc. President and CEO Laura Lee Stewart filed an amended insider trading report. The filing records a previously reported gift of 3,000 shares of common stock on 08/16/2024, coded as a charitable gift, leaving her with 60,402 shares of common stock held directly.
The amendment also adds indirect holdings that had not been reported before, including 14,409 shares held through the company ESOP and 18,906 shares allocated to her account under the company 401(k) plan. The report further lists several stock options to buy common stock with exercise prices between $32.46 and $40.13, with expirations from 2029 through 2034, some fully exercisable and others vesting in three equal annual installments.
Sound Financial Bancorp, Inc. executive vice president Laura Lee Stewart filed an amended insider ownership report to correct previously reported share amounts. As of the original filing date, she beneficially owned 2,650 shares of common stock directly, 5,021.0299 shares indirectly through the employee stock ownership plan (ESOP), and 539 shares indirectly through the 401(k) plan.
She also held stock options to purchase common stock, including 1,200 shares at an exercise price of $28.34 per share expiring on January 27, 2027, 750 shares at $33.50 per share expiring on January 25, 2029, and 1,000 shares at $36.26 per share expiring on January 31, 2030. The filing explains that this amendment corrects an inadvertent error in the number of shares previously reported as beneficially owned.
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.
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.
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.