---
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"
generated_at: "2026-07-29T15:44:10.549339+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Capitol Federal Q3 net income $23.6M, EPS $0.19; NIM expands to 2.31%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001490906-26-000022
- JSON: https://secwatch.observer/filing/0001490906-26-000022.json
- Plain text: https://secwatch.observer/filing/0001490906-26-000022.txt

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