{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-26-000015","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2026-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.358224+00:00","generated_at":"2026-05-15T01:44:39.925018+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Capitol Federal reports Q2 FY2026 net income $20.1M, EPS $0.16; net interest margin expands to 2.24%","bullets":["Net income $20.1M ($0.16 EPS) vs $20.3M prior quarter; net interest margin 2.24%, up 5 bps.","Commercial loan growth $39.1M in quarter; total commercial loans $2.32B, 29% of portfolio.","Share repurchases of $22.4M in Q2 and additional $7.0M post-quarter; dividends $0.085 regular.","Provision for credit losses $2.4M, including $4.0M specific reserve on one commercial relationship.","Efficiency ratio improved to 52.45% from 53.66% prior quarter; operating expense ratio 1.24%."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-26-000015","json":"https://secwatch.observer/filing/0001490906-26-000015.json","markdown":"https://secwatch.observer/filing/0001490906-26-000015.md","text":"https://secwatch.observer/filing/0001490906-26-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090626000015/0001490906-26-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090626000015/cffn-20260428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T01:44:39.925018+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":[{"claim_id":"19904d1a60500a3cf22699c91fd8ea1d3f759420","claim":"Capitol Federal Financial, Inc. reported the quarter ended March 31, 2026 results: net income net income of $20.1 million, EPS basic and diluted earnings per share of $0.16.","evidence_excerpt":"pfed.com/events-and-presentations/default.aspx . The Company ended the current quarter with total assets of $9.83 billion, stockholders' equity of $1.03 billion and net income of $20.1 million. The continued growth in assets and strong earnings performance are the direct result of disciplined execution of our strategic banking initiatives by the Board and management.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1490906/000149090626000015/0001490906-26-000015-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"net income of $20.1 million"},{"label":"EPS","value":"basic and diluted earnings per share of $0.16"},{"label":"Result","value":"preliminary results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}