{"filings":[{"id":1930036,"accession_number":"0001490906-26-000022","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2026-07-29T15:42:47+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal Q3 net income $23.6M, EPS $0.19; NIM expands to 2.31%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $23.6M ($0.19 diluted EPS) vs $20.1M in prior quarter; net interest margin up 7 bps to 2.31%.","Commercial loan portfolio grew $155.2M in Q3 to $2.47B; single-family loans declined to $5.60B.","Repurchased 1,837,832 shares for $15.5M in Q3; total YTD repurchases of 6.4M shares for $45.9M.","Quarterly cash dividend of $0.085 per share declared, payable Aug 21, 2026 to holders of record Aug 7, 2026.","Efficiency ratio improved to 52.10% from 52.45%; tangible book value per share $8.04."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93155,"accession_number":"0001490906-26-000015","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal reports Q2 FY2026 net income $20.1M, EPS $0.16; net interest margin expands to 2.24%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $20.1M ($0.16 EPS) vs $20.3M prior quarter; net interest margin 2.24%, up 5 bps.","Commercial loan growth $39.1M in quarter; total commercial loans $2.32B, 29% of portfolio.","Share repurchases of $22.4M in Q2 and additional $7.0M post-quarter; dividends $0.085 regular.","Provision for credit losses $2.4M, including $4.0M specific reserve on one commercial relationship.","Efficiency ratio improved to 52.45% from 53.66% prior quarter; operating expense ratio 1.24%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104543,"accession_number":"0001490906-26-000008","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K/A","filed_at":"2026-02-02T23:59:59+00:00","items":["5.02","5.07"],"status":"ready","headline":"CFFN director McCoy retires; stockholders approve 2026 Omnibus Incentive Plan","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michael T. McCoy, M.D. retired as director of Capitol Federal Financial and Capitol Federal Savings Bank effective Jan. 27, 2026.","Stockholders approved the 2026 Omnibus Incentive Plan at the Annual Meeting on Jan. 27, 2026.","The plan was described in the proxy statement filed Dec. 18, 2025; full plan attached as Appendix A to the proxy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104546,"accession_number":"0001490906-26-000006","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Capitol Federal stockholders elect two directors, approve 2026 Omnibus Incentive Plan","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected Michel' Philipp Cole and Jeffrey M. Johnson as directors for three-year terms.","Advisory say-on-pay vote approved: 81,096,603 for, 10,423,954 against.","Approved Capitol Federal Financial, Inc. 2026 Omnibus Incentive Plan: 77,317,577 for.","Ratified KPMG LLP as independent auditor for fiscal year ending September 30, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104545,"accession_number":"0001490906-26-000004","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2026-01-28T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal Q1 FY2026 net income $20.3M ($0.16 EPS), up 8% QoQ and 32% YoY; NIM expands 10 bps to 2.19%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Commercial loans grew $162.6M (30.7% annualized) to $2.28B; total loan portfolio $8.18B.","Efficiency ratio improved to 53.66% from 56.84% prior quarter; operating expense ratio 1.24%.","Repurchased 2.38M shares at avg $6.86 during quarter; $2.03B returned to shareholders since 2010.","Declared $0.085 quarterly dividend payable Feb 20, plus $0.04 special dividend paid Jan 23.","Management expects commercial loan growth ~1% in March Q and ~18% for FY2026."],"consensus_eps_estimate":null,"consensus_eps_actual":0.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":104544,"accession_number":"0001490906-26-000002","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2026-01-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Capitol Federal Financial announces annual meeting presentation on website Jan 27, 2026","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Press release dated January 23, 2026 announces availability of Annual Meeting slide presentation.","Presentation will be posted at 10:00 a.m. CT on January 27, 2026 on the company's IR website.","Annual Meeting of Stockholders held at same time on January 27, 2026.","No financial results or material corporate updates disclosed in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120823,"accession_number":"0001490906-25-000038","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2025-12-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Capitol Federal declares $0.04 special dividend, reports buyback of 1.58M shares at $6.72 avg","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Special cash dividend of $0.04 per share payable Jan 23, 2026 to holders of record Jan 9, 2026.","Between Oct 1 and Dec 16, 2025, repurchased 1,577,853 shares at average cost $6.72 per share.","Company highlights multi-channel return of capital through special dividend and opportunistic buybacks.","Capitol Federal has 46 branch locations in Kansas and Missouri, focused on residential lending."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120820,"accession_number":"0001490906-25-000031","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K/A","filed_at":"2025-11-25T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Capitol Federal Financial amends Short-Term Performance Plan to correct definition of operating expense ratio","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved correction to operating expense ratio definition in the Plan on Nov 25, 2025.","Also made minor grammatical changes to termination-of-employment sections.","Amendment amends Item 9.01 of original 8-K filed Sep 25, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120822,"accession_number":"0001490906-25-000027","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2025-10-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"CFFN Q4 net income $18.8M, EPS $0.14; FY net income $68.0M, EPS $0.52, NIM 1.96%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net interest margin improved to 2.09% in Q4 from 1.98% prior quarter and 1.77% a year ago.","Commercial loans grew $607M (40.2%) during FY; commercial deposits up $190.2M (59.8%).","Efficiency ratio improved to 56.84% in Q4 from 58.26% in prior quarter.","Quarterly dividend maintained at $0.085/share; payable Nov 21 to holders of record Nov 7.","Repurchased 618,260 shares at avg $6.23 in Q4."],"consensus_eps_estimate":null,"consensus_eps_actual":0.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":16300000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120821,"accession_number":"0001490906-25-000025","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2025-10-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Capitol Federal annual meeting scheduled for Jan 27, 2026; record date Dec 5, 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Annual meeting of stockholders to be held on Tuesday, January 27, 2026.","Voting record date set as December 5, 2025.","Company has 46 branch locations in Kansas and Missouri."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137425,"accession_number":"0001490906-25-000023","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2025-09-25T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Capitol Federal amends Short-Term Performance Plan, replaces efficiency ratio with operating expense ratio target","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Change effective for fiscal year 2026 (beginning Oct 1, 2025); applies to all officers including named executive officers.","Efficiency ratio removed; operating expense ratio added as an institutional performance criterion.","Operating expense ratio defined as consolidated expenditures divided by net income, isolating expense control from interest rate impact.","IPCs now equally weight Return on Average Equity, Basic EPS, and Operating Expense Ratio.","Maximum award percentages unchanged, ranging from 25% to 60% of compensation depending on officer level."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":137424,"accession_number":"0001490906-25-000018","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal Q3 FY2025 net income $18.4M ($0.14 EPS); NIM expands to 1.98%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $18.4M, $0.14 EPS vs $15.4M ($0.12) prior quarter; nine-month net $49.2M ($0.38) vs $26.0M ($0.20) prior year.","Net interest margin 1.98%, up 6 bps QoQ, driven by commercial loan growth and remix from residential loans.","Commercial loan growth $243.5M during quarter; one- to four-family loans decreased $99.3M.","Declared quarterly dividend $0.085/share payable Aug 15, 2025 to holders of record Aug 1, 2025.","Effective tax rate dropped to 15.0% due to Kansas tax law change; fiscal 2025 rate expected 18-19%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154742,"accession_number":"0001490906-25-000011","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2025-04-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal Q2 net income $15.4M ($0.12 EPS); NIM expands to 1.92%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $15.4M ($0.12 EPS) flat vs prior quarter; net interest margin rose 6 bps to 1.92%.","Declared $0.085/share dividend payable May 16, 2025 to holders of record May 2, 2025.","Total assets $9.72B; deposits up $166.4M driven by high-yield savings account (APY 4.30%).","Commercial loan commitments $136.5M; portfolio continues shift from one-to-four-family to commercial.","Six-month net income $30.8M vs $16.3M a year ago, aided by absence of securities strategy losses."],"consensus_eps_estimate":0.1204,"consensus_eps_actual":0.24,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl+finnhub","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173253,"accession_number":"0001490906-25-000006","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2025-01-29T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Capitol Federal stockholders reject board declassification amendment at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Directors John B. Dicus, James G. Morris, Jeffrey R. Thompson elected to three-year terms.","Say-on-pay approved with ~90.9M for votes; KPMG ratified as auditor for FY2025.","Board declassification proposal failed despite 87.1M for votes, requiring 80% supermajority.","Board remains classified; incumbents Michel' Cole, Michael McCoy, others continue terms.","No changes to board or management per annual meeting slide presentation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173252,"accession_number":"0001490906-25-000004","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2025-01-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"CFFN Q1 FY25 net income $15.4M ($0.12 EPS), up from $12.1M prior quarter; dividend $0.085/sh","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $15.4M vs $12.1M prior qtr; EPS $0.12 vs $0.09. YoY net income $15.4M vs $2.5M (prior year had securities loss).","Net interest margin 1.86%, up 6bps from 1.80% prior qtr, up 15bps from 1.71% year ago.","Commercial loan growth $137.5M during qtr; one-to-four family loans decreased $90.8M as portfolio shifts.","Dividend declared $0.085/sh payable Feb 21, 2025 to holders of record Feb 7, 2025 (unchanged).","Provision for credit losses $677K vs release $637K prior qtr; lower income tax expense boosted net income."],"consensus_eps_estimate":null,"consensus_eps_actual":0.12,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173251,"accession_number":"0001490906-25-000002","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2025-01-24T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Capitol Federal Financial to post annual meeting presentation on website Jan 28","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting presentation available at ir.capfed.com at 10:00 a.m. central time on January 28, 2025.","Meeting held concurrently with the presentation release; no financial results or changes announced.","Company operates 46 branch locations in Kansas and Missouri, focusing on residential lending.","No material developments reported; filing is procedural Regulation FD disclosure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190274,"accession_number":"0001490906-24-000032","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2024-10-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal reports Q4 net income $12.1M ($0.09/sh), FY net income $38.0M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $12.1M (diluted EPS $0.09) vs $9.6M in prior quarter; net interest margin 1.80%.","Fiscal year 2024 net income $38.0M (diluted EPS $0.29) vs net loss of $101.7M in FY2023.","Declared $0.085/share quarterly dividend payable Nov 15, 2024 to holders of record Nov 1, 2024.","Provision for credit losses: release of $637K in Q4 vs expense of $1.5M in prior quarter.","Efficiency ratio improved to 59.29% from 62.07% sequentially."],"consensus_eps_estimate":null,"consensus_eps_actual":0.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":15300000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190273,"accession_number":"0001490906-24-000030","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2024-10-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Capitol Federal Financial sets annual meeting January 28, 2025; record date December 6","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Annual meeting scheduled for Tuesday, January 28, 2025.","Shareholders of record as of December 6, 2024 will be entitled to vote.","Company operates 48 branches in Kansas and Missouri as a residential lender."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206771,"accession_number":"0001490906-24-000026","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2024-07-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal Q3 net income $9.6M ($0.07 EPS), NIM 1.77%, declares $0.085 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $9.6M ($0.07 diluted EPS) for Q3 FY2024, down from $13.8M ($0.11) in prior quarter.","Net interest margin decreased to 1.77% from 1.82% due to higher deposit costs.","Provision for credit losses rose to $1.5M from $301K, driven by commercial loan growth.","Income tax expense surged to $6.0M (effective rate 38.2%) from $3.5M due to pre-1988 bad debt recapture.","Declared quarterly dividend of $0.085 per share, payable Aug 16, 2024; company commits to this level."],"consensus_eps_estimate":null,"consensus_eps_actual":0.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224018,"accession_number":"0001490906-24-000019","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"CFFN Q2 FY2024 net income $13.8M, EPS $0.11, NIM expands to 1.82%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $13.8M ($0.11/sh) vs $2.5M ($0.02/sh) prior quarter, which included $13.3M securities strategy loss.","Net interest margin improved 11 bps to 1.82% due to full quarter of higher-yielding securities purchased in strategy.","Declared Q3 dividend $0.085/sh, payable May 17, 2024 to holders of record May 3, 2024.","Holding company had $46.3M cash at Bank; evaluating tax implications of earnings distributions from Bank due to pre-1988 bad debt reserves.","Efficiency ratio improved to 61.89% from 92.86% prior quarter (64.73% excluding securities loss)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.12,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":243381,"accession_number":"0001490906-24-000008","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2024-01-26T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Capitol Federal Financial appoints KPMG as auditor, dismisses Deloitte","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit Committee approved appointment of KPMG as independent auditor for fiscal year ending Sep 30, 2024, subject to standard procedures.","Deloitte & Touche LLP dismissed as auditor effective after completion of services for quarter ended Dec 31, 2023.","No disagreements or reportable events occurred between the company and Deloitte during fiscal 2022, 2023, or subsequent interim periods.","Deloitte's reports on fiscal 2022 and 2023 financials contained no adverse opinion or qualification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":243380,"accession_number":"0001490906-24-000006","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2024-01-25T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"Capitol Federal Financial holds annual meeting; all proposals pass","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders elected Morris J. Huey, II and Carlton A. Ricketts to three-year director terms.","Advisory say-on-pay resolution approved with ~96.8M votes for and ~4.4M against.","Ratification of Deloitte & Touche as independent auditor for FY2024 passed with ~104.1M for.","No changes to executive compensation or dividend policy were announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":243379,"accession_number":"0001490906-24-000004","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2024-01-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"CFFN Q1 net income $2.5M ($0.02 EPS); securities strategy improves NIM to 1.71%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Excluding securities-strategy loss of $13.3M, adjusted EPS would be $0.10 vs. $0.04 prior quarter.","Sold $1.30B securities (avg yield 1.22%); bought $632M (5.75%); paid down $500M BTFP borrowings at 4.70%.","Net interest margin up 50 bps to 1.71%; total assets down to $9.58B from $10.18B.","Quarterly dividend declared $0.085/share, payable Feb 16, 2024 to holders of record Feb 2, 2024.","Loans receivable decreased $23.4M (1.2% annualized); commercial loan growth offset one-to-four-family decline."],"consensus_eps_estimate":null,"consensus_eps_actual":0.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":243378,"accession_number":"0001490906-24-000002","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2024-01-19T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Capitol Federal Financial announces annual meeting presentation available on website Jan 23","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Presentation will be available at 10:00 a.m. CT on January 23, 2024 on ir.capfed.com.","No financial results or material business updates are disclosed in this filing.","Annual meeting being held at same time as presentation availability."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":260771,"accession_number":"0001490906-23-000030","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2023-12-01T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Capitol Federal Financial EVP & Chief Commercial Banking Officer to retire Feb 29, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Robert D. 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Q4 loss $140.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revised FY2023 net loss of $101.7M ($0.76 per share) vs prior $111.7M ($0.84) due to reclassifying $13.3M pre-tax loss to Q1 FY2024.","Sold $1.30B of securities (94% of portfolio) in Oct 2023; used proceeds to buy $632M securities yielding 5.75% and pay down $500M borrowings at 4.70%.","Expects securities strategy to add ~$0.30 EPS and ~60bps to NIM in FY2024; earn-back period of 3.9 years.","Announced $0.085/share cash dividend payable Nov 17, 2023 to holders of record Nov 3.","Total assets expected to decline to ~$9.70B by Dec 31, 2023; tangible common equity >10%."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.76,"consensus_revenue_estimate":null,"consensus_revenue_actual":17600000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":260770,"accession_number":"0001490906-23-000023","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2023-10-25T23:59:59+00:00","items":["2.01","2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal sells $1.3B securities, posts FY2023 net loss of $111.7M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold $1.30B of securities (94% of portfolio) at 1.22% yield, recognizing $206M pretax loss; expects $0.30 EPS improvement in FY2024.","FY2023 net loss $111.7M ($0.84/share) vs net income $84.5M ($0.62/share) prior year; adjusted EPS $0.33 excluding securities strategy.","Q4 FY2023 net loss $150.5M ($1.13/share) due to securities transaction; excluding that, EPS $0.04.","Net interest margin fell to 1.43% for FY2023 vs 1.79% prior year; loan growth 6.8%.","Declared quarterly dividend $0.085/share, payable Nov 17, 2023 to holders of record Nov 3, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":260769,"accession_number":"0001490906-23-000021","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2023-10-13T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Capitol Federal Financial sets annual meeting for January 23, 2024","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Annual meeting of stockholders scheduled for Tuesday, January 23, 2024.","Record date for voting is December 1, 2023.","Press release issued October 13, 2023, confirming the meeting date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":278040,"accession_number":"0001490906-23-000016","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2023-07-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal Q3 FY2023 net income $8.3M, EPS $0.06, NIM declines to 1.32%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $8.3M ($0.06 EPS) vs $14.2M ($0.11) prior quarter, down 41.5%.","Net interest margin fell 24bp to 1.32% (ex-leverage 1.39%) due to higher deposit costs.","Deposits decreased $51.6M in quarter; borrowings up $289.6M, including $500M BTFP at 4.70%.","Provision for credit losses $1.3M vs $0.9M prior quarter, driven by worsening economic forecast.","Dividend maintained at $0.085/share, payable Aug 18, 2023, record Aug 4."],"consensus_eps_estimate":null,"consensus_eps_actual":0.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":296115,"accession_number":"0001490906-23-000011","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2023-04-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Capitol Federal Q2 FY2023 net income $14.2M ($0.11 EPS); 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payable Feb 17, 2023 to holders of record Feb 3, 2023.","Stockholders elected Michel' Philipp Cole, Jeffrey M. Johnson, and Michael T. McCoy to three-year director terms.","Advisory vote on executive compensation passed with 96,359,415 votes for; frequency vote approved annual say-on-pay.","Ratification of Deloitte & Touche as independent auditor for FY2023 approved with 113,970,685 votes for.","Company will release Q1 FY2023 financial results on Jan 25, 2023 before market open."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":316629,"accession_number":"0001490906-23-000004","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2023-01-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Capitol Federal Q1 FY2023 net income $16.2M, EPS $0.12; 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record date Dec 2, 2022","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual meeting of stockholders scheduled for January 24, 2023.","Voting record date is December 2, 2022.","Capitol Federal Financial is holding company for Capitol Federal Savings Bank with 54 branches in Kansas and Missouri."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":352323,"accession_number":"0001490906-22-000026","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2022-07-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Capitol Federal Q3 net income $21.2M, EPS $0.16; loan growth 7.2% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $21.2M ($0.16 EPS) vs $21.6M ($0.16 EPS) prior quarter; net interest margin up to 1.79%.","Loans grew 7.2% annualized (+$127.4M); deposits decreased $284.9M replaced by borrowings.","Declared $0.085 regular dividend payable Aug 19; paid $0.285 per share in quarter including $0.20 True Blue dividend.","Provision for credit losses $937K vs negative provision of $3.2M prior quarter due to recessionary outlook.","Leverage strategy increased to $2.6B in July 2022; net income from strategy was $1.2M in quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":0.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":352322,"accession_number":"0001490906-22-000023","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2022-07-19T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Capitol Federal Financial declares $0.085 quarterly dividend payable Aug 19, 2022","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.085 per share on CFFN common stock declared.","Dividend payable August 19, 2022 to holders of record as of August 5, 2022.","Q2 FY2022 financial results to be released on July 27, 2022 before market open."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":981515396.717825,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":369856,"accession_number":"0001490906-22-000020","cik":1490906,"company_name":"Capitol Federal Financial, Inc.","ticker":"CFFN","form_type":"8-K","filed_at":"2022-05-31T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"CFFN declares $0.20 per share True Blue Capitol dividend; 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