---
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"
generated_at: "2026-05-17T01:38:06.530769+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# CFFN Q4 net income $18.8M, EPS $0.14; FY net income $68.0M, EPS $0.52, NIM 1.96%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-25-000027
- JSON: https://secwatch.observer/filing/0001490906-25-000027.json
- Plain text: https://secwatch.observer/filing/0001490906-25-000027.txt

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