---
schema_version: "secwatch.filing_event.v1"
accession: "0001490906-24-000019"
form_type: "8-K"
ticker: "CFFN"
cik: "0001490906"
company_name: "Capitol Federal Financial, Inc."
filed_at: "2024-04-24T23:59:59+00:00"
generated_at: "2026-06-03T09:32:46.458643+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# CFFN Q2 FY2024 net income $13.8M, EPS $0.11, NIM expands to 1.82%

## Summary
- Net income of $13.8M ($0.11/sh) vs $2.5M ($0.02/sh) prior quarter, which included $13.3M securities strategy loss.
- Net interest margin improved 11 bps to 1.82% due to full quarter of higher-yielding securities purchased in strategy.
- Declared Q3 dividend $0.085/sh, payable May 17, 2024 to holders of record May 3, 2024.
- Holding company had $46.3M cash at Bank; evaluating tax implications of earnings distributions from Bank due to pre-1988 bad debt reserves.
- Efficiency ratio improved to 61.89% from 92.86% prior quarter (64.73% excluding securities loss).

## SEC filing metadata
- accession: 0001490906-24-000019
- form_type: 8-K
- ticker: CFFN
- cik: 0001490906
- company_name: Capitol Federal Financial, Inc.
- filed_at: 2024-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1490906/000149090624000019/0001490906-24-000019-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090624000019/cffn-20240423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-24-000019
- JSON: https://secwatch.observer/filing/0001490906-24-000019.json
- Plain text: https://secwatch.observer/filing/0001490906-24-000019.txt

## Key facts
- Earnings Releases
  Capitol Federal Financial, Inc. reported second quarter of fiscal year 2024 results: net income net income of $13.8 million, EPS basic and diluted earnings per share of $0.11.
  - Period: second quarter of fiscal year 2024
  - Net income: net income of $13.8 million
  - EPS: basic and diluted earnings per share of $0.11
  - Result: reported results
  source text: For the quarter ended March 31, 2024, the Company recognized net income of $13.8 million, or $0.11 per share, compared to a net income of $2.5 million, or $0.02 per share, for the quarter ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1490906/000149090624000019/0001490906-24-000019-index.htm

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