---
schema_version: "secwatch.filing_event.v1"
accession: "0001490906-25-000011"
form_type: "8-K"
ticker: "CFFN"
cik: "0001490906"
company_name: "Capitol Federal Financial, Inc."
filed_at: "2025-04-23T23:59:59+00:00"
generated_at: "2026-05-23T08:01:45.934569+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q2 net income $15.4M ($0.12 EPS); NIM expands to 1.92%

## Summary
- Net income of $15.4M ($0.12 EPS) flat vs prior quarter; net interest margin rose 6 bps to 1.92%.
- Declared $0.085/share dividend payable May 16, 2025 to holders of record May 2, 2025.
- Total assets $9.72B; deposits up $166.4M driven by high-yield savings account (APY 4.30%).
- Commercial loan commitments $136.5M; portfolio continues shift from one-to-four-family to commercial.
- Six-month net income $30.8M vs $16.3M a year ago, aided by absence of securities strategy losses.

## SEC filing metadata
- accession: 0001490906-25-000011
- form_type: 8-K
- ticker: CFFN
- cik: 0001490906
- company_name: Capitol Federal Financial, Inc.
- filed_at: 2025-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/1490906/000149090625000011/0001490906-25-000011-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1490906/000149090625000011/cffn-20250422.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-25-000011
- JSON: https://secwatch.observer/filing/0001490906-25-000011.json
- Plain text: https://secwatch.observer/filing/0001490906-25-000011.txt

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