{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-25-000027","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2025-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.517284+00:00","generated_at":"2026-05-17T01:38:06.530769+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CFFN Q4 net income $18.8M, EPS $0.14; FY net income $68.0M, EPS $0.52, NIM 1.96%","bullets":["Net interest margin improved to 2.09% in Q4 from 1.98% prior quarter and 1.77% a year ago.","Commercial loans grew $607M (40.2%) during FY; commercial deposits up $190.2M (59.8%).","Efficiency ratio improved to 56.84% in Q4 from 58.26% in prior quarter.","Quarterly dividend maintained at $0.085/share; payable Nov 21 to holders of record Nov 7.","Repurchased 618,260 shares at avg $6.23 in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-25-000027","json":"https://secwatch.observer/filing/0001490906-25-000027.json","markdown":"https://secwatch.observer/filing/0001490906-25-000027.md","text":"https://secwatch.observer/filing/0001490906-25-000027.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090625000027/0001490906-25-000027-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090625000027/cffn-20251028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:38:06.530769+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"}