secwatch.observer — SEC 8-K summary
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Issuer:     Capitol Federal Financial, Inc. (CFFN)
CIK:        0001490906
Form:       8-K
Filed at:   2024-07-24T23:59:59+00:00
Accession:  0001490906-24-000026
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 net income $9.6M ($0.07 EPS), NIM 1.77%, declares $0.085 dividend
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1490906/000149090624000026/0001490906-24-000026-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1490906/000149090624000026/cffn-20240723.htm
  HTML page:      https://secwatch.observer/filing/0001490906-24-000026

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