William Joseph Skrobacz Jr. - 31 Dec 2025 Form 4 Insider Report for Capitol Federal Financial, Inc. (CFFN)

Role: Executive Vice President
Signature: /s/ Kent G. Townsend, under Power of Attorney
Issuer symbol: CFFN
Transactions as of: 31 Dec 2025
Net transactions value: +$69,135
Form type: 4
Filing time: 05 Jan 2026, 12:46:08 UTC
Previous filing: 03 Jan 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Skrobacz William Joseph Jr	Executive Vice President	C/O CAPITOL FEDERAL FINANCIAL, INC., 700 SOUTH KANSAS AVENUE, TOPEKA	/s/ Kent G. Townsend, under Power of Attorney	05 Jan 2026	0001976572

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
holding	CFFN	CFFN common stock						36,489	31 Dec 2025	Direct
holding	CFFN	CFFN common stock						4,209	31 Dec 2025	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 2025	Award	$69,135	+10,152		$6.81	10,152	31 Dec 2025	CFFN common stock	10,152	$6.81	Direct	F1
holding	CFFN	CFFN Phantom Stock 2024						3,006	31 Dec 2025	CFFN common stock	3,006	$5.91	Direct	F1

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

Explanation of Responses:

Id	Content
F1	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.