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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 ( Mark One ) ☑ OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ Form 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) For the fiscal year ended September 30 , 2021 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number : 001-34814 Capitol Federal Financial , Inc. ( Exact name of registrant as specified in its charter ) Maryland Kansas ( State or other jurisdiction of incorporation or organization ) 700 South Kansas Avenue , Topeka , ( Address of principal executive offices ) 27-2631712 ( I.R.S. Employer Identification No. ) Registrant's telephone number , including area code : ( 785 ) 235-1341 Securities registered pursuant to Section 12 ( b ) of the Act : Title of each class 66603 ( Zip Code ) Trading Symbol ( s ) Common Stock , par value $ 0.01 per share CFFN Name of each exchange on which registered The NASDAQ Stock Market LLC Securities registered pursuant to Section 12 ( g ) of the Act : None No □ No ☑ Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes ☑ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes ☑ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No □ No □ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Accelerated filer Non - accelerated filer Smaller reporting company □ Emerging growth company □ If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes No The aggregate market value of the voting and non - voting common stock held by non - affiliates of the registrant , computed by reference to the average of the closing bid and asked price of such stock on the NASDAQ Stock Market as of March 31 , 2021 , was $ 1.75 billion . As of November 18 , 2021 , there were issued and outstanding 138,845,184 shares of the Registrant's common stock . DOCUMENTS INCORPORATED BY REFERENCE Part III of Form 10 - K - Portions of the proxy statement for the Annual Meeting of Stockholders for the year ended September 30 , 2021 .