---
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"
generated_at: "2026-05-27T06:48:46.560556+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CFFN Q1 FY25 net income $15.4M ($0.12 EPS), up from $12.1M prior quarter; dividend $0.085/sh

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1490906/000149090625000004/0001490906-25-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090625000004/cffn-20250128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-25-000004
- JSON: https://secwatch.observer/filing/0001490906-25-000004.json
- Plain text: https://secwatch.observer/filing/0001490906-25-000004.txt

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