Capitol Federal Financial (CFFN) Form 4 Capitol Federal Financial / JOHN B DICUS ownership change

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

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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 KS 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)
12/31/2024

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)
			Code	V	Amount	(A) or (D)	Price
CFFN common stock	12/31/2024		M		13,239(1)	A	$11.33	1,346,591	D
CFFN common stock	12/31/2024		D		13,239(1)	D	$5.91	1,333,352	D
CFFN common stock								91,429	I	ESOP
CFFN common stock								11,437	I	Trust 1(2)
CFFN common stock								817,451	I	Trust 2(3)
CFFN common stock								466,928	I	Trust 3(4)

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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
CFFN Phantom Stock 2021	$11.33	12/31/2024		M			13,239(1)	12/31/2024	12/31/2024	CFFN common stock	13,239(5)	$11.33	0	D
CFFN Phantom Stock 2022	$8.65							12/31/2025	12/31/2025	CFFN common stock	17,341(5)		17,341	D
CFFN Phantom Stock 2024	$5.91	12/31/2024		A		13,830		12/31/2027	12/31/2027	CFFN common stock	13,830(5)	$5.91	13,830	D
CFFN Non-qualified Stock Option	$11.91							(6)	05/14/2027	CFFN common stock	100,116(5)		100,116	D

Explanation of Responses:

1. 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.

2. John C Dicus TTEE Dicus Marital Trust GST Exempt

3. John C Dicus Trustee Dicus Marital Trust GST Nonexempt

4. John C Dicus TTEE Dicus Family Trust

5. 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.

6. All options are vested.

Remarks:

	/s/ Kent G. Townsend, under Power of Attorney	01/02/2025
	** 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).
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