Capitol Federal Financial (CFFN) risk factors

Item 1A of every Capitol Federal Financial, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
13 risks1 new2 dropped8 reworded
Capitol Federal Financial updated risks regarding cybersecurity threats, commercial loan portfolio growth, competitive pressures, and technology investments including artificial intelligence.
Filed Nov 26, 2025
FY2024 10-K risk factors
14 risks
Interest rate sensitivity and net interest income dependence dominate Capitol Federal Financial's risk profile. Commercial loan expansion and technology reliance create significant operational risks. Regulatory oversight by the OCC, FRB, and FDIC heavily restricts business activities.
Filed Nov 27, 2024