---
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"
generated_at: "2026-06-23T00:47:52.822040+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal FY22 net income $84.5M, EPS $0.62; declares $0.28 true-up dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-22-000033
- JSON: https://secwatch.observer/filing/0001490906-22-000033.json
- Plain text: https://secwatch.observer/filing/0001490906-22-000033.txt

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