Welcome to our dedicated page for Capitol Federal SEC filings (Ticker: CFFN), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Capitol Federal Financial, Inc. filings document the reporting obligations of a Maryland bank holding company and its wholly owned subsidiary, Capitol Federal Savings Bank. The company’s 8-K reports provide formal records of quarterly results, dividend announcements, stock buyback updates, Regulation FD presentations, and other material-event disclosures tied to its banking operations and common stock.
Proxy and annual meeting filings cover director elections, advisory executive compensation votes, auditor ratification, equity and incentive compensation plans, board governance, and stockholder voting results. Amendments to Form 8-K document corrections or additions to previously reported governance and compensation-plan matters.
Capitol Federal Financial, Inc. reported stronger results for the six months ended March 31, 2026, with net income of $40.5 million, or $0.32 per share, compared with $30.8 million, or $0.24 per share, a year earlier. The improvement came mainly from higher net interest income.
The net interest margin widened to 2.22% from 1.89%, driven largely by growth in the higher-yielding commercial loan portfolio. The efficiency ratio improved to 53.05% from 59.23%, showing better revenue relative to operating costs, although the operating expense ratio ticked up to 1.24%.
Total loans were $8.11 billion, up modestly as a $201.8 million rise in commercial loans offset a $196.8 million decline in one- to four-family mortgages. Asset quality remained solid: loans 30–89 days delinquent were 0.15% of total loans and loans 90+ days delinquent or in foreclosure were 0.17%. The allowance for credit losses increased to $26.6 million, reflecting model assumptions and a specific commercial real estate relationship, but overall credit metrics stayed stable.
HoldCo Opportunities Fund V, L.P. and affiliated entities filed a Schedule 13D on Capitol Federal Financial, Inc., disclosing beneficial ownership of 6,466,059 common shares, or 5.1% of the company. The fund acquired these shares for approximately $37,620,838, using working capital, and may hold them in margin accounts.
The reporting group believes Capitol Federal’s stock was undervalued when purchased and views it as an attractive investment. They are already in discussions with the company’s management and board about ways to enhance shareholder value and may propose changes to capitalization, ownership structure, board composition, or potential business combinations or dispositions.
Capitol Federal Financial Inc Schedule 13G: Vanguard Portfolio Management reports beneficial ownership of 6,776,611 shares of common stock, representing 5.21% of the class as reported. The filing states Vanguard Portfolio Management exercises sole dispositive power over the 6,776,611 shares and sole voting power over 89,097 shares.
Capitol Federal Financial, Inc. reported solid second quarter fiscal 2026 results, with net income of $20.1 million, or $0.16 per share. Net interest income rose to $52.3 million and net interest margin improved to 2.24% from 2.19% in the prior quarter, helped by lower deposit and borrowing costs.
For the six months ended March 31, 2026, net income increased to $40.5 million from $30.8 million, as margin expanded to 2.22% from 1.89%. Total assets were $9.83 billion, with commercial loans growing to $2.32 billion and deposits to $6.92 billion, while borrowings declined.
The company continued returning capital, paying $26.9 million in dividends, including a special $0.040 per share payout, and repurchasing 5.46 million shares for $38.7 million through April 22, 2026. Credit costs increased due to a $4.0 million specific valuation allowance on a nonaccrual commercial lending relationship, but overall asset quality metrics and capital ratios remained strong.
Capitol Federal Financial Inc: Dimensional Fund Advisors reports beneficial ownership of 6,790,130 shares of Common Stock, representing 5.2% of the class as of 03/31/2026. The filing states Dimensional has sole voting power for 6,628,707 shares and disclaims beneficial ownership, noting the shares are owned by managed Funds.
The Vanguard Group reports it beneficially owns 0 shares (0%) of Capitol Federal Financial, Inc. common stock. The filing states an internal realignment on January 12, 2026 led certain Vanguard subsidiaries to report holdings separately, and as a result The Vanguard Group, Inc. no longer has beneficial ownership of those subsidiary-held securities. The Schedule 13G/A lists Amount beneficially owned: 0 and Percent of class: 0%. The filing is signed by Ashley Grim, Head of Global Fund Administration, dated 03/26/2026.
Capitol Federal Financial, Inc. reported net income of $20.3 million, or $0.16 per share, for the quarter ended December 31, 2025, up from $15.4 million, or $0.12 per share, a year earlier. The net interest margin rose to 2.19% from 1.86%, driven mainly by growth in higher-yielding commercial loans. Total loans reached $8.18 billion, with commercial balances increasing and one- to four-family mortgages declining as repayments fund commercial expansion. Deposits grew to $6.76 billion, while borrowings fell to $1.83 billion as excess liquidity was used to repay Federal Home Loan Bank advances. Asset quality remained strong, with loans 30–89 days delinquent at 0.24% of total loans and loans 90 days or more delinquent or in foreclosure at 0.10%. The Bank’s community bank leverage ratio was 9.5%, and stockholders’ equity was $1.04 billion, reflecting dividends of $0.085 per share and repurchases of 2.38 million shares during the quarter.
Capitol Federal Financial, Inc. filed an amended current report to add information that was omitted from an earlier filing about its annual stockholder meeting. The amendment confirms that stockholders approved the Capitol Federal Financial, Inc. 2026 Omnibus Incentive Plan, which will govern future equity and incentive awards.
The company also reports that, effective as of the January 27, 2026 Annual Meeting, Michael T. McCoy, M.D. retired as a director of Capitol Federal Financial, Inc. and as a director of Capitol Federal Savings Bank, its wholly owned subsidiary. No other aspects of the original report were changed.
Capitol Federal Financial, Inc. reported results of its January 27, 2026 Annual Meeting of Stockholders. Holders of common stock as of December 5, 2025 voted on four proposals.
Stockholders elected Michel' Philipp Cole and Jeffrey M. Johnson to three-year director terms and gave advisory approval to the compensation of named executive officers. They also approved the Capitol Federal Financial, Inc. 2026 Omnibus Incentive Plan and ratified KPMG LLP as independent auditors for the fiscal year ending September 30, 2026. An Annual Meeting slide presentation was furnished as an exhibit.
Capitol Federal Financial, Inc. filed a current report describing recent communications about its business performance and shareholder returns. The company issued a press release with financial results for the first quarter of fiscal year 2026 and posted a related Quarterly Investor Presentation on its investor relations website.
The report also highlights a quarterly cash dividend of $0.085 per share on common stock, payable on February 20, 2026 to stockholders of record as of the close of business on February 6, 2026. These materials are attached as exhibits for investors seeking more detail.