Robert D. Kobbeman - Dec 31, 2023 Form 4 Insider Report for Capitol Federal Financial, Inc. (CFFN)

Role: Executive Vice President
Signature: /s/ Kent G. Townsend, under Power of Attorney
Stock symbol: CFFN
Transactions as of: Dec 31, 2023
Transactions value $: -$13,874
Form type: 4
Date filed: 1/2/2024, 01:50 PM
Previous filing: Jan 3, 2023

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CFFN	CFFN common stock	Options Exercise	$26.9K	+2.15K	+7.11%	$12.50	32.4K	Dec 31, 2023	Direct	F1
transaction	CFFN	CFFN common stock	Disposed to Issuer	-$13.9K	-2.15K	-6.64%	$6.45	30.2K	Dec 31, 2023	Direct	F1
holding	CFFN	CFFN common stock						8.87K	Dec 31, 2023	ESOP

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	CFFN	CFFN Phantom Stock 2020	Options Exercise	-$26.9K	-2.15K	-100%	$12.50	0	Dec 31, 2023	CFFN common stock	2.15K	$12.50	Direct	F1, F2
holding	CFFN	CFFN Phantom Stock 2021						6.09K	Dec 31, 2023	CFFN common stock	6.09K	$11.33	Direct	F2
holding	CFFN	CFFN Phantom Stock 2022						10.2K	Dec 31, 2023	CFFN common stock	10.2K	$8.65	Direct	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Transaction reflects the deemed conversion of phantom stock units previously acquired under the Issuer's Deferred Incentive Bonus Plan into the underlying shares of common stock and the deemed simultaneous disposition of such shares in connection with the cash settlement of such phantom stock units.
F2	The phantom stock units were acquired under the Issuers Deferred Incentive Bonus Plan and are settled in cash three years from the date of acquisition.