Kent G. Townsend - Dec 31, 2024 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, 2024
Transactions value $: -$15,059
Form type: 4
Date filed: 1/3/2025, 08:46 AM
Previous filing: Jan 2, 2024
SEC: View on sec.gov

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CFFN	CFFN common stock	Options Exercise	$85.2K	+7.52K	+6.11%	$11.33	131K	Dec 31, 2024	Direct	F1
transaction	CFFN	CFFN common stock	Disposed to Issuer	-$44.4K	-7.52K	-5.76%	$5.91	123K	Dec 31, 2024	Direct	F1
holding	CFFN	CFFN common stock						75.7K	Dec 31, 2024	ESOP
holding	CFFN	CFFN common stock						40K	Dec 31, 2024	IRA	F2

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 2021	Options Exercise	-$85.2K	-7.52K	-100%	$11.33	0	Dec 31, 2024	CFFN common stock	7.52K	$11.33	Direct	F1, F3
transaction	CFFN	CFFN Phantom Stock 2024	Award	$29.4K	+4.97K		$5.91	4.97K	Dec 31, 2024	CFFN common stock	4.97K	$5.91	Direct	F3
holding	CFFN	CFFN Phantom Stock 2022						12.4K	Dec 31, 2024	CFFN common stock	12.4K	$8.65	Direct	F3

* 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	During fiscal year 2018, Mr. Townsend diversified 50% of his ESOP shares, at the time, into an IRA
F3	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.