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UNITED STATES SECURITIES AND EXCHANGE COMMISSIONWashington, D.C. 20549Form 10K (Mark One) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended

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Capitol Federal Financial, Inc. is a bank holding company based in the United States. It primarily focuses on providing banking and financial services through its subsidiary, Capitol Federal Savings Bank.

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The purpose of Capitol Federal Financial, Inc. is to provide financial products and services, including savings accounts, loans, and mortgages, while also ensuring regulatory compliance and shareholder value.

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