Changes in Beneficial Ownership · 4

Sound Financial Bancorp, Inc.

SFBCNASDAQEQUITYCurrent

Changes in Beneficial Ownership

Filed Jun 30, 2026Accepted Jun 30, 2026, 1:39 PM EDTFiling CIK 1541119Accession 0001437749-26-022122

rdgdoc.xml

Name: Stewart Laura Lee
Reporting owner CIK: 0001410558
Relationship: Director · Officer
Officer title: President and CEO
Address: C/O SOUND FINANCIAL BANCORP, INC., 2400 3RD AVENUE, SUITE 150, SEATTLE, WA, 98121

Non-derivative transactions · 1 reported row
Security	Transaction date	Code	Amount	A / D	Price (USD)	Owned after	Ownership	Nature of ownership
Common Stock	2026-06-30	S · Form 4^[F4]	900	D	42.60	9,000^[F3]	I	By CRT

Table key

Non-derivative holdings · 3 reported rows
Security	Amount owned	Ownership	Nature of ownership
Common Stock	14,409	I	By ESOP
Common Stock	18,906	I	By 401(k)
Common Stock	49,602	D

Table key

Derivative holdings · 5 reported rows
Security	Conversion / exercise price (USD)	Exercisable	Expires	Underlying security	Underlying shares	Amount owned	Ownership
Stock Option (Right to Buy)	33.5000	^[F1]	2029-01-25	Common Stock	250	250	D
Stock Option (Right to Buy)	36.2600	^[F1]	2030-01-31	Common Stock	120	120	D
Stock Option (Right to Buy)	32.4600	^[F1]	2031-01-27	Common Stock	300	300	D
Stock Option (Right to Buy)	40.1300	^[F1]	2033-01-27	Common Stock	1,800	1,800	D
Stock Option (Right to Buy)	39.8900	^[F2]	2034-01-26	Common Stock	259	259	D

Table key

F1: Options are fully exercisable.↩ 1 ↩ 2 ↩ 3 ↩ 4
F2: Options vest in three equal annual installments beginning on January 26, 2025.↩ 1
F3: On December 10, 2025, the reporting person contributed 10,800 shares of Sound Financial Bancorp, Inc. common stock to the Stewart Charitable Remainder Trust ("CRT") for estate planning purposes, resulting in a change in form of beneficial ownership from direct to indirect. The reporting person is the sole lifetime beneficiary of the CRT and retains the right to receive distributions in accordance with the terms of the trust. An independent third-party trustee serves as the trustee of the CRT and holds sole voting and dispositive power over the shares held by the trust.↩ 1
F4: These shares were sold by the trustee of the CRT, and not at the direction of the reporting person, pursuant to instructions contained in the trust agreement governing the CRT, in accordance with Rule 10b5-1(c) adopted on December 10, 2025. Following the reported transaction, the reporting person continues to hold a meaningful equity interest in the Company through remaining share ownership and outstanding equity awards.↩ 1