{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-25-000004","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.764547+00:00","generated_at":"2026-05-27T06:48:46.560556+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"CFFN Q1 FY25 net income $15.4M ($0.12 EPS), up from $12.1M prior quarter; dividend $0.085/sh","bullets":["Net income $15.4M vs $12.1M prior qtr; EPS $0.12 vs $0.09. YoY net income $15.4M vs $2.5M (prior year had securities loss).","Net interest margin 1.86%, up 6bps from 1.80% prior qtr, up 15bps from 1.71% year ago.","Commercial loan growth $137.5M during qtr; one-to-four family loans decreased $90.8M as portfolio shifts.","Dividend declared $0.085/sh payable Feb 21, 2025 to holders of record Feb 7, 2025 (unchanged).","Provision for credit losses $677K vs release $637K prior qtr; lower income tax expense boosted net income."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-25-000004","json":"https://secwatch.observer/filing/0001490906-25-000004.json","markdown":"https://secwatch.observer/filing/0001490906-25-000004.md","text":"https://secwatch.observer/filing/0001490906-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090625000004/0001490906-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090625000004/cffn-20250128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T06:48:46.560556+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"}