SFBC at a glance
Sound Financial Bancorp, Inc. (SFBC, SEC CIK 1541119) filed its latest 10-K annual report on March 18, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on July 29, 2026 and Form 4 insider filings as recently as September 30, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Sound Financial Bancorp, Inc. (SFBC) reported revenue of $57.6 million (up 0.3% from FY2024) and net income of $7.2 million. Diluted EPS was $2.77.
- As of June 30, 2026, 13 institutional investment managers tracked by SignalX reported holding Sound Financial Bancorp, Inc. (SFBC) shares worth $9.1 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Stewart Laura Lee on September 30, 2026 of 900 shares at $45.99 per share.
- In the last 90 days, SFBC insiders reported 0 open-market purchases ($0) and 1 open-market sale ($41K) on Form 4, a net sale of $41K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $57.6M
- +0.3% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$41K
- 13F holders
- 13 funds
- $9.1M · −2 vs prior quarter
- Latest 8-K
- Jul 29, 2026
- Item 2.02 · Item 8.01
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Liquidity resources $127.6M in cash, cash equivalents, and available-for-sale securities
- Loans held-for-sale $1.6M as of June 30, 2026
- FHLB borrowing capacity $201.7M and Federal Reserve discount-window access $21.1M
- No outstanding FHLB or Federal Reserve advances; $20.0M Pacific Coast Bankers’ Bank facility unused
- Management expected borrowing facilities to fund originations, withdrawals, commitments, and maturities
Risk Factors
- No risk-factors section provided; submitted text covers Items 2–6 rather than changes from the 10-K
- No director or officer adopted or terminated Rule 10b5-1 or non-Rule 10b5-1 trading arrangements
- No share repurchases during the three months ended June 30, 2026
- No defaults upon senior securities reported
- Outstanding subordinated notes bear 5.25% fixed-to-floating interest and mature October 1, 2030
AI summary of the SFBC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Second-quarter and six-month results ended June 30, 2026 released July 28, 2026
- Earnings press release furnished as Exhibit 99.1, containing the financial details investors should review
Item 8.01: Other Events
- Quarterly cash dividend of $0.21 per share declared by Sound Financial Bancorp
- August 7, 2026 record date for shareholder eligibility
Item 5.07: Submission of Matters to a Vote of Security Holders
- Shareholders elected David S. Haddad, Jr. and Laura Lee Stewart as directors through 2029
- Director support: Haddad 1,611,647 votes; Stewart 1,350,298 votes
Item 8.01: Other Events
- Quarterly cash dividend declared at $0.21 per share
- Payment scheduled for May 26, 2026 to shareholders of record May 11, 2026
Item 2.02: Results of Operations and Financial Condition
- First-quarter results for period ended March 31, 2026 announced April 28, 2026
- Earnings details contained in Exhibit 99.1, including operating performance and financial condition
AI summaries of SFBC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for SFBC
Don't miss the next SFBC filing
- Alerts as it files. A push when SFBC files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut SFBC, by share count.
- Ask anything. An AI agent that reads every SFBC filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Stewart Laura Lee | Sell | Sep 30, 2026 | 900 | $45.99 |
| Jones Debra | G | Aug 18, 2026 | 4,920 | - |
| Stewart Laura Lee | Sell | Jun 30, 2026 | 900 | $42.60 |
| Riojas Rogelio | G | Jun 10, 2026 | 28,916 | - |
| Stewart Laura Lee | Sell | Mar 31, 2026 | 900 | $44.13 |
| Jones Debra | G | Dec 10, 2025 | 500 | - |
| Ochs Wes | F | Dec 4, 2025 | 577 | $44.23 |
| Ochs Wes | M | Dec 4, 2025 | 900 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $50.6M | $57.4M | $57.6M |
| Net Income | $7.4M | $4.6M | $7.2M |
| Net Margin | 14.7% | 8.1% | 12.4% |
| Balance Sheet | |||
| Total Assets | - | $993.6M | $1.1B |
| Equity | $100.7M | $103.7M | $109.4M |
| ROE | 7.4% | 4.5% | 6.5% |
| Per Share | |||
| EPS | $2.86 | $1.80 | $2.77 |
| Cash Flow | |||
| Operating CF | $6.9M | $2.9M | $7.2M |
| CapEx | $444K | $76K | $170K |
Source: XBRL data in Sound Financial Bancorp, Inc. (SFBC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate SFBC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 13 | $9.1M |
| Q1 2026 | 15 | $13.5M |
| Q4 2025 | 14 | $9.7M |
| Q3 2025 | 13 | $10.7M |
| Q2 2025 | 12 | $10.1M |
| Q1 2025 | 6 | $3.7M |
| Q4 2024 | 4 | $3.8M |
| Q3 2024 | 3 | $1.5M |
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- PNC Financial Services+216 (+1440%)
- FMR LLC (Fidelity)+165 (+98%)
- BlackRock−63.8K (-63%)
- State Street Corp−16.2K (-74%)
- Northern Trust−12.5K (-72%)
- Vanguard Capital Management LLC−7.3K (-7%)
- JPMorgan Chase & Co−872 (-99%)
- Millennium Management+19.5K
- Vanguard Portfolio Management LLC−12.4K
- BNY Mellon−5.4K
- Citigroup−99
Source: 13F-HR filings on SEC EDGAR (aggregated from 80 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
SFBC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 30, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 10-Q | Aug 10, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 4 | Jun 30, 2026 | - | - | - |
| 4 | Jun 11, 2026 | - | - | - |
| 8-K | May 28, 2026 | - | Analysis | |
| 10-Q | May 12, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 28, 2026 | - | Analysis | - |
| 4 | Mar 31, 2026 | - | - | - |
| 10-K | Mar 18, 2026 | Dec 31, 2025 | - | |
| SC 13G | Feb 17, 2026 | - | - | |
| 8-K | Feb 13, 2026 | - | - | |
| 8-K | Jan 28, 2026 | - | - | |
| 4 | Jan 23, 2026 | - | - | |
| 4 | Jan 23, 2026 | - | - | |
| 4 | Dec 11, 2025 | - | - | |
| 4 | Dec 5, 2025 | - | - | |
| 10-Q | Nov 12, 2025 | Sep 30, 2025 | Analysis | |
| 10-Q | Aug 12, 2025 | Jun 30, 2025 | - | |
| 10-Q | May 13, 2025 | Mar 31, 2025 | - | |
| 10-K | Mar 18, 2025 | Dec 31, 2024 | Analysis | |
| 10-Q | Nov 13, 2024 | Sep 30, 2024 | - | |
| 10-Q | Aug 13, 2024 | Jun 30, 2024 | - | |
| 10-Q | May 14, 2024 | Mar 31, 2024 | - |
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SFBC SEC filings: frequently asked questions
Are SFBC insiders buying or selling?
In the last 90 days, Sound Financial Bancorp, Inc. (SFBC) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $41,391 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold SFBC stock?
As of June 30, 2026, the largest Sound Financial Bancorp, Inc. (SFBC) holders among the 13F filers tracked by SignalX were Vanguard Capital Management LLC ($4.1 million), BlackRock ($1.6 million), Dimensional Fund Advisors ($860,000), Millennium Management ($842,000), Goldman Sachs Group ($716,000). 13F-HR reports are filed up to 45 days after each quarter ends.
What was SFBC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Sound Financial Bancorp, Inc. (SFBC) reported revenue of $57.6 million (up 0.3% from FY2024) and net income of $7.2 million. Diluted EPS was $2.77. The figures come from the XBRL data in the 10-K.
What did SFBC report in its latest 8-K?
Sound Financial Bancorp, Inc. (SFBC) filed an 8-K on July 29, 2026 reporting Item 2.02 (Results of Operations and Financial Condition) and Item 8.01 (Other Events). Second-quarter and six-month results ended June 30, 2026 released July 28, 2026.
What are the latest SFBC SEC filings?
Sound Financial Bancorp, Inc. (SFBC) filed its latest 10-K annual report on March 18, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on July 29, 2026 and a Form 4 insider filing on September 30, 2026.
What is SFBC's SEC CIK number?
Sound Financial Bancorp, Inc. (SFBC)'s SEC Central Index Key (CIK) is 1541119. EDGAR lists every SFBC filing under that number.
Ask anything about SFBC
The research agent reads SFBC's filings, financials, insider trades and 13F holders, then answers with sources.