{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-26-000004","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.210788+00:00","generated_at":"2026-05-16T06:58:19.610337+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Capitol Federal Q1 FY2026 net income $20.3M ($0.16 EPS), up 8% QoQ and 32% YoY; NIM expands 10 bps to 2.19%","bullets":["Commercial loans grew $162.6M (30.7% annualized) to $2.28B; total loan portfolio $8.18B.","Efficiency ratio improved to 53.66% from 56.84% prior quarter; operating expense ratio 1.24%.","Repurchased 2.38M shares at avg $6.86 during quarter; $2.03B returned to shareholders since 2010.","Declared $0.085 quarterly dividend payable Feb 20, plus $0.04 special dividend paid Jan 23.","Management expects commercial loan growth ~1% in March Q and ~18% for FY2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-26-000004","json":"https://secwatch.observer/filing/0001490906-26-000004.json","markdown":"https://secwatch.observer/filing/0001490906-26-000004.md","text":"https://secwatch.observer/filing/0001490906-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090626000004/0001490906-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090626000004/cffn-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:58:19.610337+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"}