{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-24-000032","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.572938+00:00","generated_at":"2026-05-30T11:03:41.735247+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Capitol Federal reports Q4 net income $12.1M ($0.09/sh), FY net income $38.0M","bullets":["Q4 net income $12.1M (diluted EPS $0.09) vs $9.6M in prior quarter; net interest margin 1.80%.","Fiscal year 2024 net income $38.0M (diluted EPS $0.29) vs net loss of $101.7M in FY2023.","Declared $0.085/share quarterly dividend payable Nov 15, 2024 to holders of record Nov 1, 2024.","Provision for credit losses: release of $637K in Q4 vs expense of $1.5M in prior quarter.","Efficiency ratio improved to 59.29% from 62.07% sequentially."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-24-000032","json":"https://secwatch.observer/filing/0001490906-24-000032.json","markdown":"https://secwatch.observer/filing/0001490906-24-000032.md","text":"https://secwatch.observer/filing/0001490906-24-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090624000032/0001490906-24-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090624000032/cffn-20241022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:03:41.735247+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"}