---
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"
generated_at: "2026-05-15T01:44:39.925018+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal reports Q2 FY2026 net income $20.1M, EPS $0.16; net interest margin expands to 2.24%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-26-000015
- JSON: https://secwatch.observer/filing/0001490906-26-000015.json
- Plain text: https://secwatch.observer/filing/0001490906-26-000015.txt

## Key facts
- Earnings Releases
  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.
  - Period: the quarter ended March 31, 2026
  - Net income: net income of $20.1 million
  - EPS: basic and diluted earnings per share of $0.16
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1490906/000149090626000015/0001490906-26-000015-index.htm

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