---
schema_version: "secwatch.filing_event.v1"
accession: "0001490906-23-000011"
form_type: "8-K"
ticker: "CFFN"
cik: "0001490906"
company_name: "Capitol Federal Financial, Inc."
filed_at: "2023-04-26T23:59:59+00:00"
generated_at: "2026-06-16T12:37:50.256160+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q2 FY2023 net income $14.2M ($0.11 EPS); net interest margin 1.56%

## Summary
- Net income of $14.2M ($0.11 per share) down from $16.2M ($0.12) prior quarter.
- Net interest margin fell to 1.56% from 1.61% QoQ; excl. leverage strategy 1.71% from 1.88%.
- Annualized loan growth 9.0%; total assets $10.09B, likely exceeding $10B threshold.
- Dividend unchanged at $0.085/share, payable May 19, 2023 to holders of record May 5.
- Provision for credit losses $891k; uninsured deposits ~10% of total deposits.

## SEC filing metadata
- accession: 0001490906-23-000011
- form_type: 8-K
- ticker: CFFN
- cik: 0001490906
- company_name: Capitol Federal Financial, Inc.
- filed_at: 2023-04-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1490906/000149090623000011/0001490906-23-000011-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090623000011/cffn-20230425.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-23-000011
- JSON: https://secwatch.observer/filing/0001490906-23-000011.json
- Plain text: https://secwatch.observer/filing/0001490906-23-000011.txt

## Key facts
- Earnings Releases
  Capitol Federal Financial, Inc. reported the quarter ended March 31, 2023 results: net income $14.2 million, EPS $0.11 per share.
  - Period: the quarter ended March 31, 2023
  - Net income: $14.2 million
  - EPS: $0.11 per share
  - Result: reported results
  source text: For the quarter ended March 31, 2023, the Company recognized net income of $14.2 million, or $0.11 per share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1490906/000149090623000011/0001490906-23-000011-index.htm

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