{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-22-000004","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2022-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:04:06.697650+00:00","generated_at":"2026-06-27T14:09:46.072068+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Capitol Federal Q1 FY2022 net income $22.2M, EPS $0.16; NIM 1.99%, dividend $0.085/share","bullets":["Net income of $22.2M ($0.16 EPS) vs $18.9M ($0.14) year ago; increase driven by higher negative provision & NII.","Net interest margin 1.99%, up 7 bps YoY; lower deposit and borrowing costs outpaced asset yield decline.","Paid $0.305/share in dividends (incl. $0.22 true-up); declared $0.085/share quarterly dividend payable Feb 18, 2022.","Reimplemented leverage strategy in Jan 2022 with $1.80B in short-term FHLB advances; expects continued profitability.","Efficiency ratio improved to 52.22% from 55.37% YoY, reflecting higher NII and lower non-interest expense."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-22-000004","json":"https://secwatch.observer/filing/0001490906-22-000004.json","markdown":"https://secwatch.observer/filing/0001490906-22-000004.md","text":"https://secwatch.observer/filing/0001490906-22-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090622000004/0001490906-22-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090622000004/cffn-20220128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T14:09:46.072068+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"}