---
schema_version: "secwatch.filing_event.v1"
accession: "0001490906-23-000004"
form_type: "8-K"
ticker: "CFFN"
cik: "0001490906"
company_name: "Capitol Federal Financial, Inc."
filed_at: "2023-01-25T23:59:59+00:00"
generated_at: "2026-06-20T09:25:54.004766+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q1 FY2023 net income $16.2M, EPS $0.12; NIM slides to 1.61%

## Summary
- Net income $16.2M ($0.12 EPS) vs $19.5M ($0.14) prior quarter and $22.2M ($0.16) year ago.
- Net interest margin 1.61% (1.88% ex-leverage strategy); compression expected to continue.
- Provision for credit losses $3.7M vs recovery of $3.4M in prior year quarter; loan growth 17.1% annualized.
- Declared $0.085/sh quarterly dividend payable Feb 17; repurchased 2.73M shares at avg $8.13.
- Total assets $9.93B; management expects to exceed $10B in some quarters this year.

## SEC filing metadata
- accession: 0001490906-23-000004
- form_type: 8-K
- ticker: CFFN
- cik: 0001490906
- company_name: Capitol Federal Financial, Inc.
- filed_at: 2023-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1490906/000149090623000004/0001490906-23-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090623000004/cffn-20230125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-23-000004
- JSON: https://secwatch.observer/filing/0001490906-23-000004.json
- Plain text: https://secwatch.observer/filing/0001490906-23-000004.txt

## Key facts
- Earnings Releases
  Capitol Federal Financial, Inc. reported first quarter of fiscal year 2023 results: net income $16.2 million, EPS $0.12 per share.
  - Period: first quarter of fiscal year 2023
  - Net income: $16.2 million
  - EPS: $0.12 per share
  - Result: reported results
  source text: For the quarter ended December 31, 2022, the Company recognized net income of $16.2 million, or $0.12 per share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1490906/000149090623000004/0001490906-23-000004-index.htm

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