Capitol Federal Q3 net income $9.6M ($0.07 EPS), NIM 1.77%, declares $0.085 dividend

Capitol Federal Financial, Inc.

2024-Q3 EPS reported $0.20

Net income of $9.6M ($0.07 diluted EPS) for Q3 FY2024, down from $13.8M ($0.11) in prior quarter.
Net interest margin decreased to 1.77% from 1.82% due to higher deposit costs.
Provision for credit losses rose to $1.5M from $301K, driven by commercial loan growth.
Income tax expense surged to $6.0M (effective rate 38.2%) from $3.5M due to pre-1988 bad debt recapture.
Declared quarterly dividend of $0.085 per share, payable Aug 16, 2024; company commits to this level.

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