{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-25-000018","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.104952+00:00","generated_at":"2026-05-18T03:20:11.599783+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Capitol Federal Q3 FY2025 net income $18.4M ($0.14 EPS); NIM expands to 1.98%","bullets":["Net income $18.4M, $0.14 EPS vs $15.4M ($0.12) prior quarter; nine-month net $49.2M ($0.38) vs $26.0M ($0.20) prior year.","Net interest margin 1.98%, up 6 bps QoQ, driven by commercial loan growth and remix from residential loans.","Commercial loan growth $243.5M during quarter; one- to four-family loans decreased $99.3M.","Declared quarterly dividend $0.085/share payable Aug 15, 2025 to holders of record Aug 1, 2025.","Effective tax rate dropped to 15.0% due to Kansas tax law change; fiscal 2025 rate expected 18-19%."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-25-000018","json":"https://secwatch.observer/filing/0001490906-25-000018.json","markdown":"https://secwatch.observer/filing/0001490906-25-000018.md","text":"https://secwatch.observer/filing/0001490906-25-000018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090625000018/0001490906-25-000018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090625000018/cffn-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:20:11.599783+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"}