---
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"
generated_at: "2026-06-30T00:57:31.164990+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q3 FY21 net income $18.2M ($0.13 EPS); net interest margin 1.84%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-21-000046
- JSON: https://secwatch.observer/filing/0001490906-21-000046.json
- Plain text: https://secwatch.observer/filing/0001490906-21-000046.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.