---
schema_version: "secwatch.filing_event.v1"
accession: "0001490906-21-000059"
form_type: "8-K"
ticker: "CFFN"
cik: "0001490906"
company_name: "Capitol Federal Financial, Inc."
filed_at: "2021-10-28T23:59:59+00:00"
generated_at: "2026-06-28T16:45:29.863594+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal reports FY2021 net income $76.1M; declares $0.22 true-up dividend

## Summary
- FY2021 net income $76.1M ($0.56 EPS) vs. $64.5M ($0.47 EPS) in FY2020.
- Q4 FY2021 net income $18.6M ($0.14 EPS); net interest margin 1.97%.
- Declared FY2021 cash true-up dividend of $0.22/sh, payable Dec 3, 2021, plus regular quarterly $0.085/sh.
- Negative provision for credit losses of $8.5M in FY2021 vs. $22.3M provision in FY2020.
- Total assets $9.63B; deposit growth 6.6%; efficiency ratio 56.91%.

## SEC filing metadata
- accession: 0001490906-21-000059
- form_type: 8-K
- ticker: CFFN
- cik: 0001490906
- company_name: Capitol Federal Financial, Inc.
- filed_at: 2021-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1490906/000149090621000059/0001490906-21-000059-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090621000059/cffn-20211028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-21-000059
- JSON: https://secwatch.observer/filing/0001490906-21-000059.json
- Plain text: https://secwatch.observer/filing/0001490906-21-000059.txt

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