Capitol Federal Financial, Inc.® Announces Special Dividend and Stock Buyback Update

TOPEKA, Kan.–(BUSINESS WIRE)–Capitol Federal Financial, Inc. (NASDAQ: CFFN) (the “Company”) announced today that its Board of Directors has declared a special cash dividend of $0.04 per share on outstanding CFFN common stock.

The dividend is payable on January 23, 2026 to stockholders of record as of the close of business on January 9, 2026.

Between October 1, 2025 and December 16, 2025, the Company has also repurchased 1,577,853 shares of common stock at an average cost of $6.72 per share.

This special cash dividend, in addition to the Company’s history of regular quarterly dividends and opportunistic share repurchases demonstrates Capitol Federal Financial, Inc.’s multi-channel focus on delivering shareholder value through disciplined capital allocation which balances investments in the future of the Company while simultaneously pursuing incremental opportunities to return capital to shareholders.

Capitol Federal Financial, Inc. is the holding company for Capitol Federal Savings Bank (the “Bank”). The Bank has 46 branch locations in Kansas and Missouri, and is one of the largest residential lenders in the State of Kansas. News and other information about the Company can be found at the Bank’s website, http://www.capfed.com.

Forward-Looking Statements

Except for the historical information contained in this press release, the matters discussed herein may be deemed to be “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements about our beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions. The words “may,” “could,” “should,” “would,” “will,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “plan,” and similar expressions are intended to identify forward-looking statements. Forward-looking statements involve risks and uncertainties, including: changes in policies or the application or interpretation of laws and regulations by regulatory agencies and tax authorities; other governmental initiatives affecting the financial services industry; changes in accounting principles, policies or guidelines; fluctuations in interest rates and the effects of inflation or a potential recession, whether caused by Federal Reserve action or otherwise; changes to existing trade policies that could affect economic activity or specific industry sectors; the impact of bank failures or adverse developments at other banks and related negative press about the banking industry in general on investor or depositor sentiment; demand for loans in the Company’s market areas; the future earnings and capital levels of the Bank and the impact of potential pre-1988 bad debt recapture, which could affect the ability of the Company to pay dividends in accordance with its dividend policies; competition; and other risks detailed from time to time in documents filed or furnished by the Company with the Securities and Exchange Commission. Actual results may differ materially from those currently expected. These forward-looking statements represent the Company’s judgment as of the date of this release. The Company disclaims, however, any intent or obligation to update these forward-looking statements.

Contacts

For further information contact:

Kent Townsend

Executive Vice President,

Chief Financial Officer and Treasurer

(785) 231-6360

ktownsend@capfed.com

Investor Relations

(785) 270-6055

investorrelations@capfed.com