Stewart Laura Lee 4

4 · Sound Financial Bancorp, Inc. · Filed Mar 31, 2026

AI-generated summary of this filing

Updated Mar 31, 2026

Sound Financial (SFBC) CEO Laura Stewart Sells 900 Shares

What Happened

Laura Lee Stewart, President, CEO and Director of Sound Financial Bancorp, Inc. (SFBC), disposed of 900 shares on March 31, 2026. The shares traded at $44.13 each, for a total value of $39,717. This was a sale (not a purchase).

Key Details

Transaction date and price: 2026-03-31 — 900 shares sold at $44.13 each.
Shares owned after transaction: not specified in the provided filing excerpt.
Footnotes of note:
- F3: On Dec 10, 2025, Stewart contributed 10,800 shares to the Stewart Charitable Remainder Trust (CRT), changing beneficial ownership from direct to indirect; Stewart is sole lifetime beneficiary, and a third-party trustee has sole voting and dispositive power over CRT shares.
- F4: The 900 shares were sold by the CRT trustee pursuant to instructions in the CRT under a Rule 10b5-1(c) trading plan adopted Dec 10, 2025.
- F1/F2: Related option footnotes indicate some options are fully exercisable and others vest over time, but no option exercise is reported here.
Filing timeliness: The Form 4 was filed with a reporting period of 2026-03-31 and the accession shows filing on 2026-03-31, indicating a timely report.

Context

The sale was executed by the CRT trustee under a pre-established 10b5-1 plan, which generally means the disposition followed instructions set in advance and is not a spontaneous insider sale. Sales by trust trustees or under 10b5-1 plans are common for estate planning and liquidity needs and do not, by themselves, indicate the insider’s current market view.

Form 4

Period: 2026-03-31

DirectorPresident and CEO

Transactions

Sale
Common Stock
[F4][F3]
2026-03-31$44.13/sh−900$39,717→ 9,900 total(indirect: By CRT)

Holdings

Common Stock
(indirect: By ESOP)
14,409
Common Stock
(indirect: By 401(k))
18,906
Common Stock
[F3]
49,602
Stock Option (Right to Buy)
[F1]
Exercise: $33.50Exp: 2029-01-25→ Common Stock (250 underlying)
250
Stock Option (Right to Buy)
[F1]
Exercise: $36.26Exp: 2030-01-31→ Common Stock (120 underlying)
120
Stock Option (Right to Buy)
[F1]
Exercise: $32.46Exp: 2031-01-27→ Common Stock (300 underlying)
300
Stock Option (Right to Buy)
[F1]
Exercise: $40.13Exp: 2033-01-27→ Common Stock (1,800 underlying)
1,800
Stock Option (Right to Buy)
[F2]
Exercise: $39.89Exp: 2034-01-26→ Common Stock (259 underlying)
259

Footnotes (4)

[F1]Options are fully exercisable.
[F2]Options vest in three equal annual installments beginning on January 26, 2025.
[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 that resulted 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. A third-party trustee serves as the trustee of the CRT and has sole voting and dispositive power over the shares held by the trust.
[F4]These shares were sold by the trustee of the CRT pursuant to instructions contained in the CRT, in accordance with Rule 10b5-1(c) adopted on December 10, 2025.

Signature

/s/ Laura Lee Stewart|2026-03-31

1 file