---
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"
generated_at: "2026-06-13T02:18:04.810359+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q3 FY2023 net income $8.3M, EPS $0.06, NIM declines to 1.32%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1490906/000149090623000016/0001490906-23-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090623000016/cffn-20230725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-23-000016
- JSON: https://secwatch.observer/filing/0001490906-23-000016.json
- Plain text: https://secwatch.observer/filing/0001490906-23-000016.txt

## Key facts
- Earnings Releases
  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.
  - Period: the quarter ended June 30, 2023
  - Net income: net income of $8.3 million
  - EPS: $0.06 per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1490906/000149090623000016/0001490906-23-000016-index.htm

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