Sec Form 4 Filing - DICUS JOHN B @ Capitol Federal Financial, Inc. - 2025-07-28

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

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, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person DICUS JOHN B 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 (Last) (First) (Middle) C/O CAPITOL FEDERAL FINANCIAL, INC., 700 SOUTH KANSAS AVENUE 3. Date of Earliest Transaction (MM/DD/YY) 07/28/2025 (Street) TOPEKA, KS66603 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 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 07/28/2025 W V 414,443 ( 1 ) A $ 0 414,443 I Trust 4 ( 2 ) CFFN common stock 07/28/2025 W V 233,464 ( 3 ) A $ 0 233,464 I Trust 5 ( 4 ) CFFN common stock 07/28/2025 W V 817,451 ( 5 ) D $ 0 0 I Trust 2 ( 6 ) CFFN common stock 07/28/2025 W V 11,437 ( 7 ) D $ 0 0 I Trust 1 ( 8 ) CFFN common stock 07/28/2025 W V 466,928 ( 9 ) D $ 0 0 I Trust 3 ( 10 ) CFFN common stock 1,333,352 D CFFN common stock 91,421 I ESOP

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 (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 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 (MM/DD/YY) 7. Title and Amount of Underlying Securities (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 of Derivative Security: 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 2022 $ 8.65 12/31/2025 12/31/2025 CFFN common stock 17,341 ( 11 ) 17,341 D CFFN Phantom Stock 2024 $ 5.91 12/31/2027 12/31/2027 CFFN common stock 13,830 ( 11 ) 13,830 D CFFN Non-qualified Stock Option $ 11.91 ( 12 ) 05/14/2027 CFFN common stock 100,116 100,116 D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other DICUS JOHN B C/O CAPITOL FEDERAL FINANCIAL, INC. 700 SOUTH KANSAS AVENUE TOPEKA, KS66603 X Chairman, President and CEO Signatures /s/ Kent G. Townsend, under Power of Attorney 07/30/2025 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Transaction reflects receipt by John B. Dicus GST Nonexempt Trust dated June 19, 2024 of distribution of 408,725 shares from John C. Dicus Marital Trust GST Nonexempt and 5,718 shares from John C. Dicus Marital Trust GST Exempt. ( 2 )John B. Dicus GST Nonexempt Trust dated June 19, 2024. ( 3 )Transaction reflects receipt by John B. Dicus Irrevocable Trust GST dated 12/12/2012 of distribution of 233,464 shares from John C. Dicus Family Trust. ( 4 )John B. Dicus Irrevocable Trust GST dated 12/12/2012. ( 5 )Transaction reflects distribution of shares by John C. Dicus Marital Trust GST Nonexempt to beneficiaries. ( 6 )John C. Dicus Marital Trust GST Nonexempt. ( 7 )Transaction reflects distribution of shares by John C. Dicus Marital Trust GST Exempt to beneficiaries. ( 8 )John C. Dicus Marital Trust GST Exempt. ( 9 )Transaction reflects distribution of shares by John C. Dicus Family Trust to beneficiaries. ( 10 )John C. Dicus Family Trust. ( 11 )The phantom stock units were acquired under the Issuer's Deferred Incentive Bonus Plan and are settled in cash three years from the date of acquisition. ( 12 )All options are vested.

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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