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.
The Capitol Federal Financial, Inc. (CFFN) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a NASDAQ-listed savings institution holding company. Through these filings, investors can review detailed information about the operations of Capitol Federal Savings Bank, its loan and deposit activities, capital management and governance.
Annual reports on Form 10-K and quarterly reports on Form 10-Q contain audited and interim financial statements, management’s discussion and analysis, and disclosures about the loan portfolio, including the mix of one- to four-family residential loans and commercial loans, securities holdings, funding sources and net interest income. These reports also describe the impact of strategies such as securities portfolio repositioning and loan portfolio remixing on earnings and net interest margin.
Current reports on Form 8-K document material events, such as earnings releases, quarterly and special dividend declarations, share repurchase updates, changes to compensation plans, and the announcement of annual meeting dates. For example, recent 8-K filings reference press releases about quarterly financial results, a special cash dividend, and amendments to the company’s Short-Term Performance Plan.
Proxy statements on Schedule 14A (DEF 14A) provide information on corporate governance, director elections, executive compensation and stock-based incentive plans. Capitol Federal Financial, Inc.’s definitive proxy statement also describes its mutual-to-stock conversion history and outlines proposals submitted to stockholders, such as the approval of omnibus incentive plans and the ratification of the independent registered public accounting firm.
Stock Titan enhances these filings with AI-powered summaries that highlight key points, such as changes in net interest margin, shifts in the loan portfolio, or updates to compensation and incentive plans. Real-time updates from EDGAR ensure that new 10-K, 10-Q, 8-K and proxy filings, as well as any available insider transaction reports on Form 4, are quickly reflected. This allows users to review the underlying documents while relying on AI insights to navigate complex financial and governance disclosures.
Capitol Federal Financial, Inc. declared a special cash dividend of $0.04 per share on its common stock. The dividend will be paid on January 23, 2026 to shareholders who are on record at the close of business on January 9, 2026. The company also provided an update on its stock buyback activity as of December 17, 2025 through an attached press release.
Capitol Federal Financial, Inc. (CFFN) filed its Annual Report describing a Kansas-based thrift focused on expanding commercial banking while maintaining strong asset quality and capital. The Bank operates 46 branches across Kansas and Missouri and remains one of the leading originators of one- to four-family residential mortgages in Kansas, funded primarily by deposits and Federal Home Loan Bank borrowings.
For fiscal 2025, the Company declared and paid $44.3 million in dividends and repurchased 618,260 shares for $3.9 million, and its Board intends to pay a regular quarterly cash dividend of $0.085 per share in fiscal 2026, totaling $0.34 per share. As of September 30, 2025, the Bank was well capitalized, held $1.95 billion in FHLB advances and $90.7 million in FHLB stock, paid $4.3 million in FDIC premiums, and reported pre-1988 bad debt reserves of $75.9 million. Management emphasizes cost control, interest rate risk management, and regulatory compliance under OCC, FRB and FDIC oversight.
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.
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.
Capitol Federal Financial (CFFN) filed an 8-K noting two updates. The company attached a press release announcing fourth-quarter and fiscal 2025 results (incorporated by reference). It also declared a $0.085 per-share quarterly cash dividend on its common stock, payable November 21, 2025 to stockholders of record as of November 7, 2025.
The dividend reflects a cash distribution to shareholders on the company’s NASDAQ-listed common stock. Additional financial details are available in Exhibit 99.1, with the dividend announcement in Exhibit 99.2.
Capitol Federal Financial, Inc. (CFFN) announced its annual meeting of stockholders will be held on Tuesday, January 27, 2026. The company also set the voting record date as December 5, 2025.
The announcement was made via a press release dated October 17, 2025, furnished as Exhibit 99 to this report. The filing is administrative in nature and relates to the scheduling of the upcoming stockholder meeting.
Dimensional Fund Advisors LP reported ownership of 6,647,265 shares of Capitol Federal Financial Inc. The filing states these shares represent 5.0% of the outstanding common stock and that Dimensional has sole voting power over 6,449,246 shares and sole dispositive power over 6,647,265 shares. The statement clarifies the shares are held on behalf of various investment funds and that Dimensional disclaims beneficial ownership of the securities; the filing asserts the holdings were acquired in the ordinary course of business and not to influence control. The filing is signed by the Global Chief Compliance Officer on 10/09/2025.
On September 23, 2025, Capitol Federal Financial, Inc. amended its Short-Term Performance Plan for fiscal year 2026 to replace the efficiency ratio performance target with an operating expense ratio target. The change applies to all officers, including named executive officers, and is intended to measure management's control of operating costs more directly by removing interest-rate effects embedded in the efficiency ratio. The amended plan is filed as Exhibit 10.7 to the Form 8-K.
Capitol Federal Financial, Inc. (CFFN) 10-Q — Quarter ended June 30, 2025.
Key consolidated results:
- Total assets $9,692,739 thousand
- Loans receivable, net $8,023,554 thousand with an ACL of $22,808 thousand
- Deposits $6,431,137 thousand; Borrowings $2,071,585 thousand
- Quarter net income $18,382 thousand (basic EPS $0.14); nine-month net income $49,212 thousand (EPS $0.38)
- Net interest income (quarter) $45,458 thousand; provision for credit losses (quarter) $(451) thousand
- AFS securities fair value $956,229 thousand (amortized cost $933,360 thousand) with gross unrealized losses $662 thousand
- Net cash provided by operating activities $33,517 thousand; investing used $(211,802) thousand; financing provided $135,943 thousand
Balance sheet and income trends show higher net interest income and improved quarterly profitability versus the prior-year quarter, offset by sizable AFS purchases and unrealized losses disclosed.