---
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"
generated_at: "2026-05-18T03:20:11.599783+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q3 FY2025 net income $18.4M ($0.14 EPS); NIM expands to 1.98%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-25-000018
- JSON: https://secwatch.observer/filing/0001490906-25-000018.json
- Plain text: https://secwatch.observer/filing/0001490906-25-000018.txt

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