Sound Financial Bancorp, Inc. Q3 2026 Results
Sound Financial Bancorp reported Q3 2026 net income of $2.3 million, or $0.90 diluted EPS, up from $1.7 million and $0.66 a year earlier but down from $0.98 in Q2. Net interest margin expanded to 3.76% from 3.48% a year ago on lower funding costs, and year-to-date earnings rose 30.5%; the company repaid all remaining subordinated debt ($6.0 million) after quarter-end. Offsetting the strength, nonperforming loans jumped 212.7% YoY to $8.5 million (0.97% of loans) and the allowance coverage fell to 96.22%, while loans and deposits both shrank sequentially.
Key figures
- Eps
- 0.9
- Revenue
- 0
- Nim
- 3.76%
- Total assets
- $1.04 billion
- Net income q3
- $2.3 million
- Npl yoy change
- 212.7%
- Roa annualized
- 0.88%
- Roe annualized
- 8.10%
- Total deposits
- $906.7 million
- Ytd net income
- $6.4 million
- Cost of deposits
- 2.11%
- Dividend per share
- $0.21
- Nonperforming loans
- $8.5 million
- Ytd earnings growth
- 30.5%
- Book value per share
- $44.36
- Net interest income q3
- $9.5 million
- Loans held for portfolio
- $878.0 million
- Net income prior year q3
- $1.7 million
- Diluted eps prior year q3
- 0.66
- Ytd net income prior year
- $4.9 million
AI analysis
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