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 ...

Financial Performance - For the quarter ended March 31, 2020, the Company reported net income of $4.3 million, or $0.03 per share, a decrease from $24.6 million, or $0.18 per share, in the same quarter of 2019[82]. - The company reported a net income of $4.276 million for the three months ended March 31, 2020, a decrease from $22.511 million in the same period last year, reflecting a significant decline in profitability[148]. - For the six months ended March 31, 2020, net income was $26.8 million, or $0.19 per share, down from $48.9 million, or $0.36 per share, in the same period last year, primarily due to a $22.3 million provision for credit losses[150]. - The return on average assets (annualized) was 0.18%, down from 1.05% in the previous quarter[170]. - The return on average equity (annualized) was 1.30, compared to 7.25 in the previous quarter, reflecting a significant decline in profitability[170]. Credit Losses and Provisions - The provision for credit losses was $22.1 million for the current quarter, increasing the allowance for credit losses (ACL) to $31.2 million, resulting in an ACL to loans receivable ratio of 0.42% compared to 0.12% at September 30, 2019[81]. - The provision for credit losses surged to $22.075 million in the current quarter, compared to only $225 thousand in the previous quarter, highlighting the impact of economic conditions on credit quality[148]. - The allowance for credit losses (ACL) was increased due to the economic impact of COVID-19, reflecting a proactive approach to potential loan losses[122]. - The total ACL increased from $9.435 million at September 30, 2019, to $31.196 million at March 31, 2020[129]. Interest Income and Margin - The net interest margin decreased by 14 basis points from 2.33% in the prior year quarter to 2.19% in the current quarter, primarily due to a decrease in loan portfolio yield and an increase in the cost of deposits[82]. - Net interest income for the three months ended March 31, 2020, was $48.668 million, slightly down from $48.697 million in the previous quarter, indicating a stable interest income despite market challenges[148]. - The weighted average yield on total interest-earning assets decreased four basis points to 3.56% for the current year period, with a decrease in the average balance of interest-earning assets by $221.2 million[150]. - The weighted average yield on loans receivable decreased from 3.75% to 3.72%, while the yield on the MBS portfolio decreased to 2.55%[177]. Loan Portfolio and Originations - Total loans reached $7.48 billion at March 31, 2020, an increase of $47.6 million, or 0.6%, from December 31, 2019, driven mainly by the one- to four-family correspondent loan portfolio[93]. - The total amount of loans originated for one- to four-family properties was $4,517 million, up from $3,552 million, reflecting a 27% increase[119]. - The Bank originated and refinanced $193.6 million of one- to four-family and consumer loans at a weighted average rate of 3.45% during the current quarter[93]. - The total originated loans for the three months ended March 31, 2020, amounted to $321,580 thousand, with a weighted average credit score of 764 and an LTV of 73%[104]. Deposits and Borrowings - Total deposits rose by $188.8 million, or 3.4%, to $5.77 billion from December 31, 2019, with retail/business certificates of deposit increasing by $108.8 million[93]. - The total amount of borrowings as of March 31, 2020, was $2,090,000 thousand, with an effective rate of 2.25%[138]. - The effective rate for new FHLB borrowings was 1.70% with a weighted average maturity of 4.7 years[138]. - The total amount of retail/business certificates was $1.25 billion with a repricing rate of 2.02% as of June 30, 2020[141]. Non-Performing Loans and Delinquency - The delinquency rate for loans 30 to 89 days delinquent is 0.24%, consistent with the previous quarter[117]. - Non-performing loans as a percentage of total loans rose to 0.17%, compared to 0.13% in the previous year, indicating a deterioration in loan quality[119]. - The total amount of loans 90 or more days delinquent or in foreclosure increased to $9,439 million, up from $8,571 million, representing a 10% increase year-over-year[119]. - The Bank's total delinquent loans amount to $17,988 thousand, with a total of 167 loans[117]. Economic Impact and Future Outlook - The Company anticipates being able to manage economic risks associated with the COVID-19 pandemic and remains well capitalized with sufficient liquidity to serve customers[81]. - The Company has deferred the annual True Blue dividend in June 2020 due to economic uncertainty, but intends to pay out 100% of its earnings in the future[81]. - The company will continue to monitor economic conditions closely and may need to increase the ACL if conditions worsen[123]. - The company is actively working with borrowers to assist them through the economic challenges posed by COVID-19[123].

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, 2019 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 ...

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, 2019 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 ...

Financial Performance - For the quarter ended June 30, 2019, the Company recognized net income of $22.9 million, or $0.17 per share, compared to $22.4 million, or $0.17 per share for the same quarter in 2018, reflecting a $525 thousand increase in net income [79]. - For the nine-month period ended June 30, 2019, net income was $71.8 million, or $0.52 per share, a decrease of $5.7 million, or 7.4%, from the same period in 2018, primarily due to increased non-interest expenses [79]. - The company reported net income of $71.8 million for the nine-month period ending June 30, 2019 [136]. - The company reported net income of $22.9 million for the three months ended June 30, 2019, a decrease from $24.6 million in the previous quarter, reflecting a decline of 6.7% [139]. - Net interest income after provision for credit losses was $51.2 million, down from $52.6 million in the previous quarter, indicating a decrease of 2.6% [139]. Assets and Liabilities - Total assets at June 30, 2019, were $9.29 billion, a decrease of $163.3 million from September 30, 2018, largely due to reductions in operating cash and the securities portfolio [82]. - Total assets decreased to $9.29 billion at June 30, 2019, down from $9.53 billion at March 31, 2019, a decrease of $248.3 million [91]. - Total liabilities and stockholders' equity were $9,286,275 thousand as of June 30, 2019 [155]. - The total amount of term borrowings was $990 million with a repricing rate of 2.40% as of June 30, 2020 [134]. - The Bank had total borrowings of $2.24 billion, representing approximately 24% of total assets [195]. Loan Portfolio - The commercial loan portfolio increased to $798.7 million at June 30, 2019, compared to $569.6 million at September 30, 2018, with 77% in commercial real estate [82]. - The one- to four-family loan portfolio decreased by $229.1 million, while the commercial loan portfolio increased by the same amount during the fiscal year [91]. - Total loans receivable amounted to $7,548,313 thousand with a yield of 3.78% for the quarter ended June 30, 2019 [186]. - Total loans receivable, net, stood at $7.51 billion as of June 30, 2019, showing a slight decrease from $7.51 billion at March 31, 2019 [93]. - The commercial loan portfolio increased to $798.7 million as of June 30, 2019, up from $729.7 million at March 31, 2019 [105]. Interest Income and Expense - The net interest margin increased by 43 basis points, from 1.87% to 2.30% for the nine-month period, with the increase attributed to higher yielding commercial loans from the CCB acquisition [81]. - The weighted average yield on total interest-earning assets increased by 53 basis points to 3.61% for the nine months ended June 30, 2019 [141]. - Interest expense decreased by 6.0% to $90.1 million for the nine months ended June 30, 2019, down from $95.9 million in the prior year [144]. - The average yield on total interest-earning assets remained unchanged at 3.64% compared to the prior quarter, while the average balance of interest-earning assets decreased by $646 thousand [179]. - The average rate paid on FHLB line of credit borrowings during the nine-month period was 2.58% [136]. Non-Interest Income and Expenses - Non-interest income increased to $5.7 million from $5.0 million in the previous quarter, representing a growth of 13.5% [139]. - Total non-interest income decreased by $116 thousand, or 0.7%, to $16,099 thousand for the current year nine-month period [148]. - Total non-interest expense increased by $10,469 thousand, or 14.9%, to $80,614 thousand for the current year nine-month period [149]. - The efficiency ratio rose to 48.28% from 45.38% in the previous quarter, indicating a decline in operational efficiency [139]. - The increase in salaries and employee benefits was primarily due to expenses related to former CCB employees, contributing to the overall rise in non-interest expenses [171]. Capital and Equity - Stockholders' equity was $1.33 billion at June 30, 2019, down $64.5 million from September 30, 2018, primarily due to $123.2 million in cash dividends paid [82]. - The ratio of stockholders' equity to total assets was 12.6% at June 30, 2019, above the management's target of at least 10% [136]. - The Bank's total capital ratio was 24.0% as of June 30, 2019, exceeding the minimum regulatory requirement of 8.0% [203]. - The Bank's Tier 1 capital ratio was 23.8% as of June 30, 2019, well above the minimum requirement of 6.0% [203]. - The company has authorized a stock repurchase plan of up to $70.0 million, with no shares repurchased to date [136]. Credit Quality - The Bank's traditional underwriting guidelines have resulted in low delinquency rates, with loans 30 to 89 days delinquent at 0.21% as of June 30, 2019, compared to 0.23% in March 2019 [111]. - As of June 30, 2019, the total non-performing loans amounted to $10,013,000, a decrease from $12,926,000 in March 2019 [113]. - Non-performing loans as a percentage of total loans were 0.13% in June 2019, down from 0.17% in March 2019 [113]. - The allowance for credit losses (ACL) ending balance is $9,036 thousand, reflecting a provision for credit losses of $450 thousand during the current quarter [119]. - The overall ACL is considered adequate for the loan portfolio as of June 30, 2019 [119]. Securities and Investments - The balance of Mortgage-Backed Securities (MBS) decreased by $57.7 million, from $1.04 billion at September 30, 2018, to $979.3 million at June 30, 2019 [124]. - Total fixed-rate securities amounted to $921.4 million with a yield of 2.42% and a weighted average life (WAL) of 2.4 years as of June 30, 2019 [122]. - The total securities portfolio was valued at $1.24 billion with a yield of 2.60% and a WAL of 2.9 years as of June 30, 2019 [122]. - The company purchased fixed-rate securities totaling $149.8 million at a yield of 2.65% during the nine months ended June 30, 2019 [125]. - The total carrying value of MBS held by the company was $979.3 million, reflecting a decrease from the previous period [124]. Deposits and Funding - The deposit portfolio decreased by $120.2 million during the current quarter, primarily due to a $57.2 million decrease in public unit certificates of deposit [91]. - Total deposits amounted to $5,580,871 thousand as of June 30, 2019, with a weighted average rate of 1.24% [129]. - The bank plans to reduce the balance of public unit certificates of deposit to approximately $300 million by September 30, 2019 [129]. - The weighted average rate for retail/business certificates of deposit was 2.05% as of June 30, 2019 [130]. - The bank's strategy includes pricing short-term certificates of deposit more aggressively to manage interest rate expectations [129].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ________________________ Form 10-Q ________________________ (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 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 | --- | --- | |-------------------------------------------------- ...

Financial Performance - For the quarter ended December 31, 2018, the Company recognized net income of $24.4 million, or $0.18 per share, a decrease of $7.5 million, or 23.4%, from the prior year quarter[73]. - The company reported a total of 141 non-performing assets valued at $15,225 million as of December 31, 2018[103]. - The company reported a ratio of net charge-offs to average non-performing assets of (0.68) during the period[109]. - The efficiency ratio improved to 46.40% for the quarter ended December 31, 2018, compared to 47.87% in the previous quarter[132]. - Basic and diluted EPS for the quarter ended December 31, 2018, were both $0.18, up from $0.16 in the previous quarter[132]. Assets and Liabilities - Total assets were $9.30 billion at December 31, 2018, a decrease of $145.8 million from $9.45 billion at September 30, 2018[75]. - Total liabilities were $7.96 billion at December 31, 2018, a decrease of $100.1 million from $8.06 billion at September 30, 2018[75]. - Stockholders' equity was $1.35 billion at December 31, 2018, a decrease of $45.7 million from $1.39 billion at September 30, 2018[75]. - Total deposits decreased to $5,557,864 thousand as of December 31, 2018, from $5,603,354 thousand as of September 30, 2018, reflecting a decrease of about 0.8%[82]. Loan Portfolio - The loan receivable portfolio was $7.53 billion at December 31, 2018, compared to $7.51 billion at September 30, 2018[75]. - The commercial loan portfolio grew by $48.2 million, or 8%, during the current quarter[75]. - The total loans receivable portfolio amounted to $7,518,887 thousand with a weighted average rate of 3.78% as of December 31, 2018[85]. - The one- to four-family loans originated amounted to $3,955,975 thousand, with a weighted average credit score of 767 and an average LTV ratio of 62%[89]. Interest Income and Expenses - Total interest and dividend income for the quarter ended December 31, 2018, was $82.421 million, an increase from $77.313 million in the previous quarter[132]. - Net interest income after provision for credit losses was $52.301 million for the quarter ended December 31, 2018, compared to $50.077 million in the previous quarter[132]. - The weighted average yield on total interest-earning assets rose by 58 basis points to 3.56% for the current quarter, despite a decrease in the average balance of interest-earning assets by $1.55 billion[141]. - Total interest expense decreased by $1.15 million, or 3.7%, to $30.12 million compared to the prior year quarter[144]. Capital and Equity - Stockholders' equity decreased by $45.7 million to $1.35 billion at December 31, 2018, primarily due to $65.4 million in cash dividends paid[128]. - The total capital ratio for the Bank was 25.2%, exceeding the minimum regulatory requirement of 8.0%[171]. - The Bank's Tier 1 capital ratio was 25.0%, well above the minimum requirement of 6.0%[171]. Non-Performing Loans and Credit Losses - The Bank's delinquent loans (30 to 89 days) represented 0.20% of total loans receivable, net, as of December 31, 2018[101]. - Total loans 90 or more days delinquent or in foreclosure increased to 0.13% of total loans as of December 31, 2018, compared to 0.12% in September 2018[103]. - The allowance for credit losses (ACL) is maintained through provisions for credit losses, with management considering the overall ACL adequate for the loan portfolio as of December 31, 2018[105]. Deposits and Borrowings - The bank had $2,181,186 thousand in borrowings, with an effective rate of 2.31% as of December 31, 2018[121]. - Deposits were $5.56 billion at December 31, 2018, down from $5.60 billion at September 30, 2018, reflecting competitive deposit rates[118]. - The average rate paid on FHLB line of credit borrowings during the current quarter was 2.47%[125]. Interest Rate Risk Management - The Bank's strategy includes managing wholesale assets and liabilities through long-term fixed-rate borrowings to mitigate interest rate risk[176]. - The cumulative one-year gap for interest rates increasing by 200 basis points was projected at $(419.2) million, or (4.51)% of total assets as of December 31, 2018, compared to $(394.8) million, or (4.18)% at September 30, 2018[178]. - The estimated change in net interest income for a +200 basis point increase in interest rates was a decrease of $8.76 million, or (4.36)%, as of December 31, 2018[181].