Form 8-K

8-K — Capitol Federal Financial, Inc.

Accession: 0001490906-26-000032

Filed: 2026-09-24

Period: 2026-09-22

CIK: 0001490906

SIC: 6035 (SAVINGS INSTITUTION, FEDERALLY CHARTERED)

Item: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

Item: Financial Statements and Exhibits

Documents

8-K — cffn-20260922.htm (Primary)

EX-99 — PRESS RELEASE ANNOUNCING APPOINTMENT OF WILLIAM SKROBACZ AS PRESIDENT (executiveannouncementrelea.htm)

GRAPHIC (cffnlogoa.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: cffn-20260922.htm · Sequence: 1

cffn-20260922

0001490906FALSE00014909062026-09-222026-09-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)

September 22, 2026

CAPITOL FEDERAL FINANCIAL, INC.

(Exact name of registrant as specified in its charter)

Maryland 001-34814 27-2631712

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

700 South Kansas Avenue, Topeka Kansas 66603

(Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code

(785) 235-1341

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, par value $0.01 per share CFFN The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

ITEM 5.02 DEPARTURE OF DIRECTORS OR CERTAIN OFFICERS; ELECTION OF DIRECTORS; APPOINTMENT OF CERTAIN OFFICERS; COMPENSATORY ARRANGEMENTS OF CERTAIN OFFICERS

On September 22, 2026, the Boards of Directors of Capitol Federal Financial, Inc. (the “Company”) and Capitol Federal Savings Bank (the “Bank”) issued a press release announcing the appointment of William “Billy” Skrobacz, Jr. as President of the Company and the Bank, effective October 1, 2026. A copy of the press release is attached hereto as Exhibit 99 and is incorporated herein by reference. Mr. Skrobacz will be responsible for the day-to-day operations of both entities, including oversight of commercial operations, all support functions and setting strategies. John B. Dicus will continue to serve as Chairman of the Board and Chief Executive Officer of both the Company and the Bank.

Mr. Skrobacz, age 35, has served as Executive Vice President and Chief Retail Operations Officer of the Bank and the Company since April 2023. He joined the Bank as Chief Strategy Officer in July 2021. Mr. Skrobacz is the son-in-law of John B. Dicus.

Mr. Skrobacz's new base salary will be $460,000. Mr. Skrobacz has been awarded 22,500 shares which will vest over a five-year time period. Information regarding the compensation Mr. Skrobacz received from the Company for the fiscal year ended September 30, 2025 is contained under the heading “Certain Transactions” in the Company’s definitive proxy statement filed with the Securities and Exchange Commission on December 18, 2025 and is incorporated herein by reference.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

(d) Exhibits

Exhibit 99 - Press Release

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CAPITOL FEDERAL FINANCIAL, INC.

Date: September 24, 2026 By: /s/ Kent G. Townsend

Kent G. Townsend, Executive Vice President,

Chief Financial Officer, and Treasurer

EX-99 — PRESS RELEASE ANNOUNCING APPOINTMENT OF WILLIAM SKROBACZ AS PRESIDENT

EX-99

Filename: executiveannouncementrelea.htm · Sequence: 2

Document

NEWS RELEASE

FOR IMMEDIATE RELEASE

September 23, 2026

CAPITOL FEDERAL FINANCIAL, INC.®

APPOINTS WILLIAM SKROBACZ JR. AS PRESIDENT

Topeka, KS - Capitol Federal Financial, Inc.® (NASDAQ: CFFN) (the "Company," "we" or "our"), the parent company of Capitol Federal Savings Bank (the "Bank"), today announced the election of William "Billy" Skrobacz Jr. as President of the Company and the Bank, effective October 1, 2026. Mr. Skrobacz will be responsible for the day-to-day operations of both entities, including oversight of commercial operations, all support functions and setting strategies. John B. Dicus will continue to serve as Chairman of the Board and Chief Executive Officer of both the Company and the Bank.

Skrobacz has played an instrumental role in the development and execution of Capitol Federal’s commercial banking strategy, including the growth of commercial deposit and lending relationships, implementation of a full treasury management suite of services and private banking, the addition of commercial and retail credit cards, the hiring of trust and wealth as well as private banking personnel, implementation of a new investment platform and the rebranding and expansion of product offerings for insurance all leading to an expansion of revenue streams. Skrobacz has been a leader in modernizing and streamlining branch office services and developing profitability models for all business lines as well as implementing more digital products and services across the Bank. His appointment reflects the Company’s ongoing focus to align executive leadership with the Bank’s evolving strategic priorities.

“Billy brings a deep understanding of Capitol Federal’s customers, operations, regulatory environment, and strategic direction,” said John B. Dicus, Chairman, Chief Executive Officer and current President of the Company and the Bank. “His leadership has been instrumental in advancing the Bank’s commercial strategy, and I am confident he will build on that progress as President,” Dicus added.

Skrobacz currently serves as Executive Vice President and Chief Retail Operations Officer of the Company and the Bank. He joined Capitol Federal in 2021 as Chief Strategy Officer and has held leadership roles across the organization, and has been actively involved with the Bank’s customers, branch network, lending and business development functions, and regulatory environment. As the Chief Retail Operations Officer, Skrobacz also serves on the Bank’s Asset and Liability, IT Oversight, Trust, Commercial Loan and Retirement and Benefits Committees.

Skrobacz is a committed community leader as a current member of the Stormont Vail Health Foundation board of trustees and its Finance Committee, board member of Downtown Topeka, Inc. and its Executive Committee, and member of the Kansas Banker’s Associations (KBA) Management Committee. He has been recognized by the community as one of Topeka’s 20 under 40, and by his selection as a member of the KBA Bank Leaders of Kansas program and Leadership Greater Topeka. "I am honored to take on the role of President of Capitol Federal Savings Bank”, said Skrobacz. “Capitol Federal has a long-standing commitment to serving its customers and communities, and I look forward to working with our employees, customers and the Board to build on the progress we have made in advancing our commercial banking strategy while continuing to strengthen the Bank’s overall franchise.”

Skrobacz joined Capitol Federal following an eight-year career with NuVasive, Inc., where he held regional sales and operations management positions. He earned his Master of Business Administration from the University of Virginia’s Darden School of Business, Masters of Education in Higher Education Administration and Bachelor of Arts in Foreign Affairs, Middle Eastern Affairs, from the University of Virginia.

Sarah Sanders will succeed Skrobacz as Executive Vice President and Chief Retail Operations Officer, effective October 1, 2026. Sanders currently serves as First Vice President and Retail Banking Operations Officer. She has more than two decades of experience at Capitol Federal, beginning as a bank teller, later serving as a fraud investigator, Account Security Manager and Remote Services Manager.

Forward-Looking Statements

Except for the historical information contained in this press release, the matters discussed herein may be deemed to be "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements about our beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions. The words "may," "could," "should," "would," "will," "believe," "anticipate," "estimate," "expect," "intend," "plan," and similar expressions are intended to identify forward-looking statements. Forward-looking statements involve risks and uncertainties, including: changes in policies or the application or interpretation of laws and regulations by regulatory agencies and tax authorities; other governmental initiatives affecting the financial services industry; changes in accounting principles, policies or guidelines; fluctuations in interest rates and the effects of inflation or a potential recession, whether caused by Federal Reserve action or otherwise; changes to existing trade policies that could affect economic activity or specific industry sectors; the impact of bank failures or adverse developments at other banks and related negative press about the banking industry in general on investor or depositor sentiment; demand for loans in the Company's market areas; the future earnings and capital levels of the Bank and the impact of potential pre-1988 bad debt recapture, which could affect the ability of the Company to pay dividends in accordance with its dividend policies; competition; and other risks detailed from time to time in documents filed or furnished by the Company with the Securities and Exchange Commission. Actual results may differ materially from those currently expected. These forward-looking statements represent the Company's judgment as of the date of this release. The Company disclaims, however, any intent or obligation to update these forward-looking statements.

For further information contact:

Kent Townsend

Investor Relations

Executive Vice President,

(785) 270-6055

Chief Financial Officer and Treasurer

investorrelations@capfed.com

(785) 231-6360

ktownsend@capfed.com

GRAPHIC

Filename: cffnlogoa.jpg · Sequence: 6

Binary file (43317 bytes)

Download cffnlogoa.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 8

v3.26.3

Document And Entity Information

Sep. 22, 2026

Cover [Abstract]

Document Type

8-K

Period End Date

Sep. 22, 2026

Registrant Name

CAPITOL FEDERAL FINANCIAL, INC.

State of incorporation

Commission file number

001-34814

IRS identification number

27-2631712

Address of principal executive offices location

700 South Kansas Avenue,

City of principal executive offices location

Topeka

State of principal executive offices location

Zip code of principal executive offices location

66603

Telephone number - Area code

785

Telephone number

235-1341

Written communications indicator

false

Soliciting material indicator

false

Pre-commencement tender offer indicator

false

Pre-commencement issuer tender offer indicator

false

Title of security class

Common Stock, par value $0.01 per share

Trading symbol

CFFN

Name of exchange on which securities are registered

NASDAQ

Emerging Growth Company indicator

false

Entity Central Index Key

0001490906

Amendment Flag

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration