DICUS JOHN B (Chairman and President) exercised options at CAPITOL FEDERAL FINANCIAL, INC.

Option exercise — a mechanical event triggered by vesting or expiry. Not a discretionary conviction trade.

M · 1 exercise

DICUS JOHN B

Filed: 1/5/2026ACC: 0001185016-26-000002

InsiderDICUS JOHN BCIK 1185016

→

IssuerCAPITOL FEDERAL FINANCIAL, INC.CIK 1490906

DirectorOfficer· Chairman and President

Since Jan 2019

+4.68K

Net shares

Net buyer

$118.1K

Total sold

Open market trades

0B · 0S

Total transactions

39.37K acquired · 34.68K disposed

Non-Derivative Transactions2

CFFN common stock

Direct

M · Option Exercise

+17.34K

Price / share

$8.65

Trade value

$150K

% of position

1.3%

12/31/2025

1.33M→1.35M

CFFN common stock

Direct

D · Disposition

−17.34K

Price / share

$6.81

Trade value

$118.09K

% of position

1.3%

12/31/2025

1.35M→1.33M

Total

Net shares

+0.00

Net value

$31.91K

Security	Date	Type	Shares	Price / Share	Trade Value	% of Position	Held Before	Held After
CFFN common stock Direct	12/31/2025	M · Option Exercise	+17.34K	$8.65	$150K	1.3%	1.33M	1.35M
CFFN common stock Direct	12/31/2025	D · Disposition	−17.34K	$6.81	$118.09K	1.3%	1.35M	1.33M
Total			+0.00		$31.91K

Derivative Transactions2

CFFN Phantom Stock 2022

Direct

M · Option Exercise

Converts to

CFFN common stock

17.34K shares

−17.34K

Strike price

8.65

Held after

0.00

Exercisable

—

12/31/2025

CFFN Phantom Stock 2025

Direct

A · Award

Converts to

CFFN common stock

22.03K shares

+22.03K

Strike price

6.81

Held after

22.03K

Exercisable

—

12/31/2025

Security	Converts To	Date	Type	Shares	Strike Price	Exercisable	Held After
CFFN Phantom Stock 2022 Direct	CFFN common stock17.34K shares	12/31/2025	M · Option Exercise	−17.34K	8.65	—	0.00
CFFN Phantom Stock 2025 Direct	CFFN common stock22.03K shares	12/31/2025	A · Award	+22.03K	6.81	—	22.03K

Non-Derivative Holdings (Post-Transaction)3

CFFN common stock

Indirect

Shares owned233.46K

CFFN common stock

Indirect

Shares owned414.44K

CFFN common stock

Indirect

Shares owned92.93K

Total

740.84K indirect740.84K

Security Title	Shares Owned	Ownership Type
CFFN common stock	233.46K	Indirect
CFFN common stock	414.44K	Indirect
CFFN common stock	92.93K	Indirect
Total	740.84K	740.84K indirect

Derivative Holdings (Post-Transaction)2

CFFN Non-qualified Stock Option

Direct

Underlying security

CFFN common stock

Underlying shares

100.12K

Shares owned

100.12K

Exercise price

11.91

Expiration

—

Exercise window

—

CFFN Phantom Stock 2024

Direct

Underlying security

CFFN common stock

Underlying shares

13.83K

Shares owned

13.83K

Exercise price

5.91

Expiration

—

Exercise window

—

Total

Underlying

113.95K

Owned

113.95K

Security	Underlying	Exercise Price	Exercise Window	Expiration	Underlying Shares	Shares Owned
CFFN Non-qualified Stock Option Direct	CFFN common stock	11.91	—	—	100.12K	100.12K
CFFN Phantom Stock 2024 Direct	CFFN common stock	5.91	—	—	13.83K	13.83K
Total					113.95K	113.95K