10-Q quarterly report · filed Nov 12, 2025

Sound Financial Bancorp, Inc. (SFBC) Q3 2025 10-Q Quarterly Report

Short answer

Sound Financial Bancorp, Inc. (SFBC) filed its Q3 2025 10-Q quarterly report on Nov 12, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $15M (down 1.3% year over year) with net income of $2M.

Q3 2025 key financials · XBRL

Revenue
$15M
−1.3% YoY · −1.8% QoQ
Net income
$2M
+46.8% YoY · −17.4% QoQ
EPS (diluted)
$0.66
+50.0% YoY · −16.5% QoQ

Source: XBRL data from the Sound Financial Bancorp, Inc. (SFBC) Q3 2025 10-Q on SEC EDGAR. USD.

Sound Financial Bancorp, Inc. Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Stockholders’ equity $107.5M at Sep 30, 2025 vs $103.7M at Dec 31, 2024, net income $4.9M in nine months ended Sep 30, 2025
  • Dividends paid $0.57/share for nine months ended Sep 30, 2025 and 2024, payout ratio 29.75% vs 53.66% YoY
  • Quarterly dividend run rate approx. $488K based on $0.19/share and shares outstanding at Sep 30, 2025
  • Stock repurchase program of $1.5M authorized in Jan 2024 expired Jan 26, 2025, no renewal announced

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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