---
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"
generated_at: "2026-05-16T06:58:19.610337+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q1 FY2026 net income $20.3M ($0.16 EPS), up 8% QoQ and 32% YoY; NIM expands 10 bps to 2.19%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-26-000004
- JSON: https://secwatch.observer/filing/0001490906-26-000004.json
- Plain text: https://secwatch.observer/filing/0001490906-26-000004.txt

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