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AI brief of an SEC Form 8-K · Capitol Federal Savings Bank (CFFN)

Capitol Federal Financial Q3 net income rises to $18.4 million, $0.14 per share

Positive Impact 3 of 5 earnings Written later

Capitol Federal Financial, Inc. (NASDAQ: CFFN) reported third quarter fiscal 2025 net income of $18.4 million, or $0.14 per share, up from $15.4 million, or $0.12 per share, in the prior quarter. The filing also announced a quarterly cash dividend of $0.085 per share, and management said a Kansas tax law change lowered its expected fiscal 2025 effective tax rate to 18% to 19%.

Key points

  • Q3 net income was $18.4 million, or $0.14 per share, versus $15.4 million, or $0.12 per share, in the quarter ended March 31, 2025.
  • Net interest margin rose six basis points to 1.98%, mainly from growth in commercial loans.
  • The efficiency ratio improved to 58.26% from 60.54%.
  • A $0.085 per share dividend is payable August 15, 2025, to holders of record on August 1, 2025.

The filing

CompanyCapitol Federal Savings Bank (CFFN)
Form8-K, current report
Filed with the SECJul 23, 2025, 9:07 AM ET
Accession number0001490906-25-000018

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:59 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 23, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.