{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-21-000046","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2021-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:04:18.251068+00:00","generated_at":"2026-06-30T00:57:31.164990+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Capitol Federal Q3 FY21 net income $18.2M ($0.13 EPS); net interest margin 1.84%","bullets":["Net income $18.2M, EPS $0.13; down from $20.4M ($0.15) in prior quarter due to one-time items.","Net interest margin fell 4 bps to 1.84% as loan yield dropped 16 bps to 3.11%.","Paid $0.485/share dividend including $0.40 True Blue special; declared $0.085 quarterly dividend.","Negative provision for credit losses of $2.7M driven by improved economic outlook for commercial loans.","Nine-month net income $57.5M ($0.42) vs $46.3M ($0.34) a year ago, helped by reversal of prior credit provisions."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-21-000046","json":"https://secwatch.observer/filing/0001490906-21-000046.json","markdown":"https://secwatch.observer/filing/0001490906-21-000046.md","text":"https://secwatch.observer/filing/0001490906-21-000046.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090621000046/0001490906-21-000046-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090621000046/cffn-20210729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T00:57:31.164990+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}