{"schema_version":"secwatch.filing_event.v1","accession":"0001490906-26-000022","form_type":"8-K","ticker":"CFFN","cik":"0001490906","company_name":"Capitol Federal Financial, Inc.","filed_at":"2026-07-29T15:42:47+00:00","discovered_at":"2026-07-29T15:44:00.791756+00:00","generated_at":"2026-07-29T15:44:10.549339+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Capitol Federal Q3 net income $23.6M, EPS $0.19; NIM expands to 2.31%","bullets":["Net income of $23.6M ($0.19 diluted EPS) vs $20.1M in prior quarter; net interest margin up 7 bps to 2.31%.","Commercial loan portfolio grew $155.2M in Q3 to $2.47B; single-family loans declined to $5.60B.","Repurchased 1,837,832 shares for $15.5M in Q3; total YTD repurchases of 6.4M shares for $45.9M.","Quarterly cash dividend of $0.085 per share declared, payable Aug 21, 2026 to holders of record Aug 7, 2026.","Efficiency ratio improved to 52.10% from 52.45%; tangible book value per share $8.04."],"urls":{"canonical":"https://secwatch.observer/filing/0001490906-26-000022","json":"https://secwatch.observer/filing/0001490906-26-000022.json","markdown":"https://secwatch.observer/filing/0001490906-26-000022.md","text":"https://secwatch.observer/filing/0001490906-26-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1490906/000149090626000022/0001490906-26-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1490906/000149090626000022/cffn-20260728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-29T15:44:10.549339+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"}