SEC FORM 4

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

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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

1. Name and Address of Reporting Person^*

DICUS JOHN B

(Last)

(First)

(Middle)

C/O CAPITOL FEDERAL FINANCIAL, INC.

700 SOUTH KANSAS AVENUE

(Street)

TOPEKA

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)

X	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Chairman, President and CEO

3. Date of Earliest Transaction (Month/Day/Year)
07/28/2025

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
CFFN common stock	07/28/2025		W	V	414,443⁽¹⁾	A	$0	414,443	I	Trust 4⁽²⁾
CFFN common stock	07/28/2025		W	V	233,464⁽³⁾	A	$0	233,464	I	Trust 5⁽⁴⁾
CFFN common stock	07/28/2025		W	V	817,451⁽⁵⁾	D	$0	0	I	Trust 2⁽⁶⁾
CFFN common stock	07/28/2025		W	V	11,437⁽⁷⁾	D	$0	0	I	Trust 1⁽⁸⁾
CFFN common stock	07/28/2025		W	V	466,928⁽⁹⁾	D	$0	0	I	Trust 3⁽¹⁰⁾
CFFN common stock								1,333,352	D
CFFN common stock								91,421	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
CFFN Phantom Stock 2022	$8.65							12/31/2025	12/31/2025	CFFN common stock	17,341⁽¹¹⁾		17,341	D
CFFN Phantom Stock 2024	$5.91							12/31/2027	12/31/2027	CFFN common stock	13,830⁽¹¹⁾		13,830	D
CFFN Non-qualified Stock Option	$11.91							⁽¹²⁾	05/14/2027	CFFN common stock	100,116		100,116	D

Explanation of Responses:

1. Transaction reflects receipt by John B. Dicus GST Nonexempt Trust dated June 19, 2024 of distribution of 408,725 shares from John C. Dicus Marital Trust GST Nonexempt and 5,718 shares from John C. Dicus Marital Trust GST Exempt.

2. John B. Dicus GST Nonexempt Trust dated June 19, 2024.

3. Transaction reflects receipt by John B. Dicus Irrevocable Trust GST dated 12/12/2012 of distribution of 233,464 shares from John C. Dicus Family Trust.

4. John B. Dicus Irrevocable Trust GST dated 12/12/2012.

5. Transaction reflects distribution of shares by John C. Dicus Marital Trust GST Nonexempt to beneficiaries.

6. John C. Dicus Marital Trust GST Nonexempt.

7. Transaction reflects distribution of shares by John C. Dicus Marital Trust GST Exempt to beneficiaries.

8. John C. Dicus Marital Trust GST Exempt.

9. Transaction reflects distribution of shares by John C. Dicus Family Trust to beneficiaries.

10. John C. Dicus Family Trust.

11. The phantom stock units were acquired under the Issuer's Deferred Incentive Bonus Plan and are settled in cash three years from the date of acquisition.

12. All options are vested.

Remarks:

	/s/ Kent G. Townsend, under Power of Attorney	07/30/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.