Capitol Federal EVP Sanders holds 27,609 shares directly

Her reported holdings include ESOP shares, unvested restricted stock and phantom stock units settled in cash.

Rhea-AI Filing Summary

Capitol Federal Financial, Inc. reports Executive Vice President Sarah Lorene Sanders held 27,609 shares of common stock directly and 49,497 shares indirectly through the ESOP on October 1, 2026. Her direct holdings include 17,000 unvested restricted shares. She also reported phantom stock positions representing 829 and 2,699 underlying common shares; those units are settled in cash three years after acquisition. The unvested shares vest in five equal annual installments, beginning September 30, 2027, with later installments each September 30.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider Sanders Sarah Lorene

Role Executive Vice President

Type	Security	Shares	Price	Value
holding	CFFN Phantom Stock 2024 F2	--	--	--
holding	CFFN Phantom Stock 2025 F2	--	--	--
holding	CFFN common stock F1	--	--	--
holding	CFFN common stock	--	--	--

Holdings After Transaction: CFFN Phantom Stock 2024 — 829 contracts (Direct); CFFN Phantom Stock 2025 — 2,699 contracts (Direct); CFFN common stock — 27,609 shares (Direct); CFFN common stock — 49,497 shares (Indirect, ESOP)

Footnotes (2)

1. F1. Includes 17,000 unvested shares from a restricted stock award under the Issuer's 2026 Omnibus Incentive Plan with the following vesting schedule: five equal annual installments with the first installment vesting on September 30, 2027 and each subsequent installment vesting on each September 30th thereafter.
2. F2. The phantom stock units were acquired under the Issuers Deferred Incentive Bonus Plan and are settled in cash three years from the date of acquisition.

Key Figures

Direct common stock holdings: 27,609 shares Indirect common stock holdings: 49,497 shares Unvested restricted shares: 17,000 shares +2 more

5 metrics

Direct common stock holdings 27,609 shares Sarah Lorene Sanders's reported holdings on October 1, 2026; includes 17,000 unvested shares

Indirect common stock holdings 49,497 shares Held through the ESOP on October 1, 2026

Unvested restricted shares 17,000 shares Included in direct holdings; vesting begins September 30, 2027

Phantom Stock 2024 underlying shares 829 shares Phantom stock units settled in cash three years from acquisition

Phantom Stock 2025 underlying shares 2,699 shares Phantom stock units settled in cash three years from acquisition

Key Terms

phantom stock units, Deferred Incentive Bonus Plan, unvested shares, ESOP

4 terms

phantom stock units financial

"The phantom stock units were acquired under the Issuers Deferred Incentive Bonus Plan"

Phantom stock units are company promises that pay a cash or stock-equivalent award tied to the firm’s share price or value growth, but they do not issue actual shares. Think of them as a bonus check that moves with the stock like a mirror rather than handing over an ownership slice. Investors care because these awards can affect a company’s future cash obligations, executive incentives and reported expenses without causing share dilution.

Deferred Incentive Bonus Plan financial

"acquired under the Issuers Deferred Incentive Bonus Plan"

unvested shares financial

"Includes 17,000 unvested shares from a restricted stock award"

ESOP financial

"CFFN common stock held indirectly through the ESOP"

An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.

FAQ

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

How many CFFN shares did Sarah Lorene Sanders report?

Sarah Lorene Sanders, Executive Vice President, reported 27,609 shares held directly and 49,497 shares held indirectly through the ESOP on October 1, 2026.

What is the vesting schedule for Sarah Lorene Sanders’s CFFN restricted shares?

The 17,000 unvested shares vest in five equal annual installments, with the first installment vesting on September 30, 2027, and each subsequent installment vesting on each September 30.

How are Sarah Lorene Sanders’s CFFN phantom stock units settled?

The phantom stock units were acquired under the Deferred Incentive Bonus Plan and are settled in cash three years from the date of acquisition. The reported positions represent 829 and 2,699 underlying common shares.

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

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Available on EDGAR 10/08/2026 - 09:41 AM Accepted by SEC EDGAR 10/08/2026 - 09:40 AM Learn about SEC filing dates

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Sanders Sarah Lorene

(Last) (First) (Middle)

C/O CAPITOL FEDERAL FINANCIAL, INC.

700 SOUTH KANSAS AVENUE

(Street)

TOPEKA KANSAS 66603

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
10/01/2026

3. Issuer Name and Ticker or Trading Symbol
Capitol Federal Financial, Inc. [ CFFN ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Executive Vice President

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
CFFN common stock	27,609(1)	D
CFFN common stock	49,497	I	ESOP

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
CFFN Phantom Stock 2024	12/31/2027	12/31/2027	CFFN common stock	829(2)	$5.91	D
CFFN Phantom Stock 2025	12/31/2028	12/31/2028	CFFN common stock	2,699(2)	$6.81	D

Explanation of Responses:

1. Includes 17,000 unvested shares from a restricted stock award under the Issuer's 2026 Omnibus Incentive Plan with the following vesting schedule: five equal annual installments with the first installment vesting on September 30, 2027 and each subsequent installment vesting on each September 30th thereafter.

2. The phantom stock units were acquired under the Issuers Deferred Incentive Bonus Plan and are settled in cash three years from the date of acquisition.

Remarks:

	/s/ Kent G. Townsend, under Power of Attorney	10/08/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)