{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-23-000016","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2023-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.067527+00:00","generated_at":"2026-06-13T02:18:04.810359+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Capitol Federal Q3 FY2023 net income $8.3M, EPS $0.06, NIM declines to 1.32%","bullets":["Net income of $8.3M ($0.06 EPS) vs $14.2M ($0.11) prior quarter, down 41.5%.","Net interest margin fell 24bp to 1.32% (ex-leverage 1.39%) due to higher deposit costs.","Deposits decreased $51.6M in quarter; borrowings up $289.6M, including $500M BTFP at 4.70%.","Provision for credit losses $1.3M vs $0.9M prior quarter, driven by worsening economic forecast.","Dividend maintained at $0.085/share, payable Aug 18, 2023, record Aug 4."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-23-000016","json":"https://secwatch.observer/filing/0001490906-23-000016.json","markdown":"https://secwatch.observer/filing/0001490906-23-000016.md","text":"https://secwatch.observer/filing/0001490906-23-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090623000016/0001490906-23-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090623000016/cffn-20230725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T02:18:04.810359+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":[{"claim_id":"5d9b56f7c163751f65342e5d9f95970edcec7cb6","claim":"Capitol Federal Financial, Inc. reported the quarter ended June 30, 2023 results: net income net income of $8.3 million, EPS $0.06 per share.","evidence_excerpt":"The Registrant’s press release dated July 26, 2023, announcing financial results for the third quarter of fiscal year 2023 is attached hereto as Exhibit 99.1, and is incorporated herein by reference.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1490906/000149090623000016/0001490906-23-000016-index.htm","confidence":0.5,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"net income of $8.3 million"},{"label":"EPS","value":"$0.06 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}