---
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"
generated_at: "2026-05-31T16:52:30.271322+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1490906/000149090624000026/0001490906-24-000026-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090624000026/cffn-20240723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-24-000026
- JSON: https://secwatch.observer/filing/0001490906-24-000026.json
- Plain text: https://secwatch.observer/filing/0001490906-24-000026.txt

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