---
schema_version: "secwatch.filing_event.v1"
accession: "0001490906-22-000026"
form_type: "8-K"
ticker: "CFFN"
cik: "0001490906"
company_name: "Capitol Federal Financial, Inc."
filed_at: "2022-07-27T23:59:59+00:00"
generated_at: "2026-06-24T08:07:44.278731+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q3 net income $21.2M, EPS $0.16; loan growth 7.2% annualized

## Summary
- Net income $21.2M ($0.16 EPS) vs $21.6M ($0.16 EPS) prior quarter; net interest margin up to 1.79%.
- Loans grew 7.2% annualized (+$127.4M); deposits decreased $284.9M replaced by borrowings.
- Declared $0.085 regular dividend payable Aug 19; paid $0.285 per share in quarter including $0.20 True Blue dividend.
- Provision for credit losses $937K vs negative provision of $3.2M prior quarter due to recessionary outlook.
- Leverage strategy increased to $2.6B in July 2022; net income from strategy was $1.2M in quarter.

## SEC filing metadata
- accession: 0001490906-22-000026
- form_type: 8-K
- ticker: CFFN
- cik: 0001490906
- company_name: Capitol Federal Financial, Inc.
- filed_at: 2022-07-27T23:59:59+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/1490906/000149090622000026/0001490906-22-000026-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090622000026/cffn-20220727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-22-000026
- JSON: https://secwatch.observer/filing/0001490906-22-000026.json
- Plain text: https://secwatch.observer/filing/0001490906-22-000026.txt

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