---
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"
generated_at: "2026-05-30T11:03:41.735247+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal reports Q4 net income $12.1M ($0.09/sh), FY net income $38.0M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-24-000032
- JSON: https://secwatch.observer/filing/0001490906-24-000032.json
- Plain text: https://secwatch.observer/filing/0001490906-24-000032.txt

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