Sound Financial Bancorp, Inc. (SFBC) Form 8-K — Oct 27, 2026
$SFBCForm 8-KItems 2.02, 8.01, 9.01Filed Oct 27, 2026, 5:15 PM ET0001541119-26-000026Original filing
Sound Financial Bancorp (Nasdaq: SFBC) reported Q3 2026 net income of $2.3 million, or $0.90 diluted EPS, up from $0.66 a year earlier, with year-to-date earnings up 30.5% versus prior year. Net interest margin expanded to 3.76% from 3.48% a year ago on lower funding costs. The Board declared a quarterly cash dividend of $0.21 per share, payable November 20, 2026 to stockholders of record as of November 6, 2026. The company remains well-capitalized and repaid its remaining $6.0 million of subordinated debt after quarter-end.
Key figures
- Eps
- 0.9
- Revenue
- Net interest income $9.5 million for Q3 2026
- Guidance
- No formal guidance; management expects continued balance sheet improvement, focus on relationship-driven loan growth
- Net Income
- 2322000
- Total Debt
- Subordinated notes, net $5.8 million; borrowings $0
- Total Assets
- 1042589000
- Cash Position
- 112752000
- Shares Outstanding
- 2569649
- Nim q3 2026
- 3.76% (vs 3.74% Q2 2026, 3.48% Q3 2025)
- Total deposits
- $906.7 million
- Ytd net income
- $6.4 million (+30.5% YoY)
- Efficiency ratio
- 75.31%
- Allowance to loans
- 0.93%
- Dividend per share
- $0.21
- Noninterest income
- $1.1 million (-20.3% QoQ, +29.3% YoY)
- Nonperforming loans
- $8.5 million (+212.7% YoY)
- Avg cost of deposits
- 2.11% (vs 2.15% Q2 2026, 2.32% Q3 2025)
- Book value per share
- $44.36
- Dividend record date
- 2026-11-06
- Npas to total assets
- 0.82%
- Return on avg equity
- 8.10%
- Dividend payable date
- 2026-11-20
- Loans held for portfolio
- $878.0 million
- Subordinated debt repaid
- $2.0 million in Q3, $6.0 million post-quarter
AI analysis
Red flags4 · Pro
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.