{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-24-000026","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.225880+00:00","generated_at":"2026-05-31T16:52:30.271322+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 net income $9.6M ($0.07 EPS), NIM 1.77%, declares $0.085 dividend","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-24-000026","json":"https://secwatch.observer/filing/0001490906-24-000026.json","markdown":"https://secwatch.observer/filing/0001490906-24-000026.md","text":"https://secwatch.observer/filing/0001490906-24-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090624000026/0001490906-24-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090624000026/cffn-20240723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:52:30.271322+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}