[Form 4] Capitol Federal Financial, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Capitol Federal Financial, Inc. (CFFN) reported insider activity as an Executive Vice President filed a Form 4 for open-market purchases on 10/31/2025.

The officer bought 8,000 shares of CFFN common stock at $6.0499 and an additional 2,000 shares at $6.0499. Following these trades, beneficial ownership stood at 156,752 shares (direct) and 59,676 shares (indirect via IRA), with 24,340 shares (indirect via ESOP).

Derivative holdings reported include 9,147 phantom stock units (2022 grant, conversion price $8.65) scheduled for 12/31/2025 and 3,978 phantom stock units (2024 grant, conversion price $5.91) scheduled for 12/31/2027; per the plan, these units are settled in cash three years from acquisition.

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Jackson Rick C

(Last) (First) (Middle)

C/O CAPITOL FEDERAL FINANCIAL, INC.

700 SOUTH KANSAS AVENUE

(Street)

TOPEKA KS 66603

(City) (State) (Zip)

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

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

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

3. Date of Earliest Transaction (Month/Day/Year)
10/31/2025

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

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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
CFFN common stock	10/31/2025		P		8,000	A	$6.0499	156,752	D
CFFN common stock	10/31/2025		P		2,000	A	$6.0499	59,676	I	IRA
CFFN common stock								24,340	I	ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
CFFN Phantom Stock 2022	$8.65							12/31/2025	12/31/2025	CFFN common stock	9,147		9,147(1)	D
CFFN Phantom Stock 2024	$5.91							12/31/2027	12/31/2027	CFFN common stock	3,978		3,978(1)	D

Explanation of Responses:

1. 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	11/03/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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