UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission file number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 27-2631712 (State or ot ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission File Number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as speci ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission File Number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as spec ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission File Number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as s ...

Financial Performance - Net income for fiscal year 2021 increased by $11.5 million, or 17.9%, compared to the prior year, primarily due to a negative provision for credit losses of $8.5 million in the current year [123]. - The company reported net income of $76.1 million, or $0.56 per share, for fiscal year 2021, compared to $64.5 million, or $0.47 per share, for fiscal year 2020, reflecting an increase in net income [220]. - Net income increased by 17.9% to $76.08 million, up from $64.54 million, due to higher pretax income [236]. - Non-interest income increased by 43.3% to $28.09 million, driven by a $7.39 million gain on the sale of Visa Class B shares and higher deposit service fees [231]. Interest Income and Margin - The net interest margin decreased to 1.90% from 2.12% in the prior year, attributed to lower asset yields in a low interest rate environment [124]. - Net interest income decreased by $14.3 million, or 7.6%, to $175.0 million for the current year, primarily due to a decrease in asset yields [220]. - The total interest and dividend income fell to $258.2 million, down $46.8 million or 15.3% from $305.0 million in the previous year [221]. - Interest income from loans receivable decreased by $40.6 million, or 15.0%, primarily due to a decrease in the weighted average yield [221]. Loan and Deposit Activity - The loan portfolio decreased by $121.7 million, or 1.7%, while the securities portfolio increased by $453.7 million, or 29.1% during the current year [125]. - Deposit growth was $406.0 million, or 6.6%, while borrowings decreased by $206.5 million, or 11.5% [125]. - Total loans receivable amounted to $7,096,073 thousand with a yield of 3.23% [159]. - The total amount of one- to four-family loans was $6.133 billion, with 7,287 loans 30 to 89 days delinquent [177]. Credit Losses and Allowance - The allowance for credit losses (ACL) was $19.8 million at September 30, 2021, down from $26.8 million at October 1, 2020, reflecting improved economic conditions [136]. - The allowance for credit losses (ACL) at the end of the period was $19,823 thousand, a decrease from $31,527 thousand in the previous year, reflecting a reduction of 37.3% [185]. - The provision for credit losses for the current year was $(6,465) thousand, significantly lower than the previous year's provision of $22,300 thousand [185]. - The total ACL to loans receivable ratio at the end of the period was 0.28%, down from 0.44% in the previous year [185]. Securities and Investments - The Company primarily uses Level 2 inputs for fair value measurements of its available-for-sale (AFS) securities [139]. - Total fixed-rate securities increased to $1,887,890 thousand with a yield of 1.11% as of September 30, 2021, compared to $1,325,115 thousand and a yield of 1.49% in the previous year [190]. - The total securities portfolio reached $2,008,456 thousand with a yield of 1.16% as of September 30, 2021, up from $1,529,605 thousand and a yield of 1.62% in the prior year [190]. - Fixed-rate securities comprised 94% of the securities portfolio as of September 30, 2021, with a $453.7 million increase in the balance due to purchases exceeding maturities and repayments [189]. Borrowings and Liabilities - Total liabilities rose by $186.6 million, or 2.3%, primarily due to an increase in deposits [195]. - The Bank's total borrowings at par were $1.59 billion, representing approximately 16% of total assets, all from FHLB advances [242]. - Total borrowings decreased from $1,790 million to $1,590 million, with an effective rate dropping from 2.31% to 1.88% [205]. - New FHLB borrowings amounted to $1,105 million at an effective rate of 1.96% [205]. Dividends and Stockholder Returns - Cash dividends paid totaled $117.9 million, equating to $0.87 per share, including a $0.40 True Blue Capitol cash dividend [206]. - The company plans to continue paying out 100% of its earnings to stockholders, with expected regular quarterly cash dividends of $0.085 per share for fiscal year 2022 [210]. - Regular quarterly cash dividends for 2021 totaled $130.1 million, with a per share amount of $0.96 [213]. - The company has $44.7 million authorized for additional stock repurchases, with no expiration date on the plan [209]. Risk Management and Compliance - The Company is exposed to increased lending and credit risks due to a growing portion of commercial loans in its portfolio [76]. - The Company monitors local and national employment levels and trends, as adverse conditions could impact borrowers' ability to repay loans [75]. - The Company has implemented various safeguards to protect against cybersecurity risks, but there is no assurance that breaches will not occur [86]. - Regulatory changes could adversely impact the Company's operations and increase compliance costs, affecting profitability and market activities [99]. Economic Conditions - The average national unemployment rate during the four-quarter macro-economic forecast was 3.8% at September 30, 2021, compared to 10.8% at October 1, 2020 [136]. - The transition from LIBOR to alternative reference rates like SOFR may incur significant expenses and could reduce interest income [84]. - The Company anticipates that the majority of maturing retail certificates of deposit will renew or transfer to other deposit products at prevailing rates [247].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission File Number: 001-34814 Capitol Federal Financial, Inc. | --- | --- | |------------------- ...

Maryland 27-2631712 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 700 South Kansas Avenue, Topeka, Kansas 66603 (Address of principal executive of ices) (Zip Code) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ☐ TRANSITION ...

Maryland 27-2631712 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 700 South Kansas Avenue, Topeka, Kansas 66603 (Address of principal executive of ices) (Zip Code) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2020 or ☐ TRANSIT ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission file number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as specified in its charter) Maryland 27-2631712 (State or ot ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __ to __ Commission file number: 001-34814 Capitol Federal Financial, Inc. (Exact name of registrant as speci ...