secwatch.observer — SEC 8-K summary
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Issuer:     Capitol Federal Financial, Inc. (CFFN)
CIK:        0001490906
Form:       8-K
Filed at:   2023-07-26T23:59:59+00:00
Accession:  0001490906-23-000016
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1490906/000149090623000016/0001490906-23-000016-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1490906/000149090623000016/cffn-20230725.htm
  HTML page:      https://secwatch.observer/filing/0001490906-23-000016

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