Capitol Federal updates short-term incentive plan

Capitol Federal Financial, Inc. filed an amended report to update its Short-Term Performance Plan.

Rhea-AI Filing Summary

Capitol Federal Financial, Inc. filed an amended report to update its Short-Term Performance Plan. The Board had previously changed the plan’s performance metric from an efficiency ratio target to an operating expense ratio target, effective with the fiscal year 2026 plan year.

After that change, the operating expense ratio performance target was found to be incorrectly defined. On November 25, 2025, the Board approved an amended and restated plan correcting that definition and making minor grammatical changes related to termination of employment during performance cycles. This amendment replaces the earlier plan exhibit; all other prior disclosures remain unchanged.

8-K Event Classification

Item 9.01 — Financial Statements and Exhibits

1 item

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Capitol Federal Financial, Inc. (CFFN) change in this 8-K/A filing?

Capitol Federal Financial, Inc. updated its Short-Term Performance Plan exhibit. The company filed an amended and restated plan to correct the definition of the operating expense ratio performance target and to incorporate minor grammatical changes concerning termination of employment during performance cycles, leaving all other prior disclosures unchanged.

Why did Capitol Federal Financial, Inc. (CFFN) amend its Short-Term Performance Plan?

The plan was amended because the operating expense ratio target was defined incorrectly. After discovering this issue, the Board of Directors approved an amended and restated plan on November 25, 2025, to correct that definition and make minor grammatical updates to termination-related sections.

What performance metric does Capitol Federal Financial, Inc. (CFFN) use in its updated Short-Term Performance Plan?

The updated plan uses an operating expense ratio performance target. The Board had earlier approved replacing the previous efficiency ratio performance target with this operating expense ratio target, effective with the fiscal year 2026 plan year, and later corrected the way that new target was defined in the plan document.

What is the specific purpose of Amendment No. 1 for Capitol Federal Financial, Inc. (CFFN)?

Amendment No. 1 is solely to replace the prior plan exhibit. It amends Item 9.01 of the earlier report so that the amended and restated Short-Term Performance Plan dated November 25, 2025, is filed in place of the original plan attached to the prior filing.

Did Capitol Federal Financial, Inc. (CFFN) change any other information from its original 8-K?

No other information from the original report was changed. The company states that the only change is replacing the prior Short-Term Performance Plan exhibit with the amended and restated version dated November 25, 2025; all other disclosures remain as previously filed.

When did Capitol Federal Financial, Inc. (CFFN) approve the corrected Short-Term Performance Plan?

The Board approved the corrected plan on November 25, 2025. On that date, directors approved an amended and restated Short-Term Performance Plan to fix the operating expense ratio performance target definition and make minor grammatical updates related to termination of employment during performance cycles.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 11/25/2025 - 04:16 PM Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K/A

(Amendment No. 1)

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)

September 23, 2025

CAPITOL FEDERAL FINANCIAL, INC.

(Exact name of Registrant as specified in its Charter)

Maryland			001-34814			27-2631712
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification No.)

700 South Kansas Avenue,			Topeka			Kansas			66603
(Address of principal executive offices)									(Zip Code)

Registrant's telephone number, including area code

(785) 235-1341

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, par value $0.01 per share			CFFN			The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

EXPLANATORY NOTE

As reported in the Current Report on Form 8-K filed by Capitol Federal Financial, Inc. (the “Company”) on September 25, 2025 (the “Original 8-K”), on September 23, 2025, the Company’s Board of Directors approved a change to the Company’s Short-Term Performance Plan (the “Plan”) to replace the efficiency ratio performance target with the operating expense ratio performance target, effective with the fiscal year 2026 plan year. Subsequent to the filing of the Original 8-K, it was discovered that the operating expense ratio performance target was not correctly defined in the Plan. As a result, on November 25, 2025, the Company’s Board of Directors approved a further amendment to the Plan to correct that definition, along with minor, grammatical changes to sections of the Plan dealing with termination of employment during performance cycles.

The sole purpose of this Amendment No. 1 on Form 8-K/A is to amend Item 9.01 of the Original 8-K and file the amended and restated Plan dated November 25, 2025 in place of the Plan filed with the Original 8-K. Except as set forth herein, no other information in the Original 8-K is being amended.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

(d) Exhibits

Exhibit 10.7 – Short-Term Performance Plan, as amended and restated, dated November 25, 2025.

Exhibit 104 – Cover page interactive data file (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			CAPITOL FEDERAL FINANCIAL, INC.
Date: November 25, 2025			By: /s/ Kent G. Townsend
			Kent G. Townsend, Executive Vice-President,
			Chief Financial Officer, and Treasurer