---
schema_version: "secwatch.filing_event.v1"
accession: "0001490906-22-000013"
form_type: "8-K"
ticker: "CFFN"
cik: "0001490906"
company_name: "Capitol Federal Financial, Inc."
filed_at: "2022-04-27T23:59:59+00:00"
generated_at: "2026-06-26T04:04:13.900678+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal reports Q2 FY2022 net income $21.6M ($0.16 EPS); net interest margin 1.69%

## Summary
- Net income $21.6M vs $22.2M prior quarter; EPS $0.16 flat.
- Net interest margin 1.69% (2.01% ex-leverage); leverage strategy contributed $545k net income.
- Negative provision for credit losses $3.2M; quarterly cash dividend $0.085/share declared.
- Six-month net income $43.8M ($0.32 EPS) vs $39.3M ($0.29 EPS) prior year.
- Efficiency ratio 53.24% vs 52.22% prior quarter; total assets $9.53B.

## SEC filing metadata
- accession: 0001490906-22-000013
- form_type: 8-K
- ticker: CFFN
- cik: 0001490906
- company_name: Capitol Federal Financial, Inc.
- filed_at: 2022-04-27T23:59:59+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/1490906/000149090622000013/0001490906-22-000013-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090622000013/cffn-20220427.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-22-000013
- JSON: https://secwatch.observer/filing/0001490906-22-000013.json
- Plain text: https://secwatch.observer/filing/0001490906-22-000013.txt

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