{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-22-000033","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2022-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.826754+00:00","generated_at":"2026-06-23T00:47:52.822040+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Capitol Federal FY22 net income $84.5M, EPS $0.62; declares $0.28 true-up dividend","bullets":["FY22 net income $84.5M ($0.62 EPS) vs $76.1M ($0.56 EPS) in FY21, up 11%.","Q4 net income $19.5M ($0.14 EPS); net interest margin 1.71% (2.07% ex-leverage).","Loan growth of 5.4% in FY22; deposits declined 6.1% YoY and $135M in Q4 annually.","Quarterly dividend $0.085 payable Nov 18; true-up dividend $0.28 payable Dec 2, 2022.","Management expects IT expenses $7M higher in FY23 due to digital transformation."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-22-000033","json":"https://secwatch.observer/filing/0001490906-22-000033.json","markdown":"https://secwatch.observer/filing/0001490906-22-000033.md","text":"https://secwatch.observer/filing/0001490906-22-000033.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090622000033/0001490906-22-000033-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090622000033/cffn-20221025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:47:52.822040+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"}