---
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"
generated_at: "2026-06-27T14:09:46.072068+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q1 FY2022 net income $22.2M, EPS $0.16; NIM 1.99%, dividend $0.085/share

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-22-000004
- JSON: https://secwatch.observer/filing/0001490906-22-000004.json
- Plain text: https://secwatch.observer/filing/0001490906-22-000004.txt

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