VAN HOUWELING TARA (Principal Accounting Officer) 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

VAN HOUWELING TARA

Filed: 1/3/2025ACC: 0001338346-25-000002

InsiderVAN HOUWELING TARACIK 1338346

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IssuerCAPITOL FEDERAL FINANCIAL, INC.CIK 1490906

Officer· Principal Accounting Officer

Since Jan 2019

-467.00

Net shares

Net seller

$10.2K

Total sold

Open market trades

0B · 0S

Total transactions

2.98K acquired · 3.45K disposed

Non-Derivative Transactions2

CFFN common stock

Direct

M · Option Exercise

+1.72K

Price / share

$11.33

Trade value

$19.52K

% of position

9.3%

12/31/2024

18.57K→20.29K

CFFN common stock

Direct

D · Disposition

−1.72K

Price / share

$5.91

Trade value

$10.18K

% of position

8.5%

12/31/2024

20.29K→18.57K

Total

Net shares

+0.00

Net value

$9.34K

Security	Date	Type	Shares	Price / Share	Trade Value	% of Position	Held Before	Held After
CFFN common stock Direct	12/31/2024	M · Option Exercise	+1.72K	$11.33	$19.52K	9.3%	18.57K	20.29K
CFFN common stock Direct	12/31/2024	D · Disposition	−1.72K	$5.91	$10.18K	8.5%	20.29K	18.57K
Total			+0.00		$9.34K

Derivative Transactions2

CFFN Phantom Stock 2021

Direct

M · Option Exercise

Converts to

CFFN common stock

1.72K shares

−1.72K

Strike price

11.33

Held after

0.00

Exercisable

—

12/31/2024

CFFN Phantom Stock 2024

Direct

A · Award

Converts to

CFFN common stock

1.26K shares

+1.26K

Strike price

5.91

Held after

1.26K

Exercisable

—

12/31/2024

Security	Converts To	Date	Type	Shares	Strike Price	Exercisable	Held After
CFFN Phantom Stock 2021 Direct	CFFN common stock1.72K shares	12/31/2024	M · Option Exercise	−1.72K	11.33	—	0.00
CFFN Phantom Stock 2024 Direct	CFFN common stock1.26K shares	12/31/2024	A · Award	+1.26K	5.91	—	1.26K

Non-Derivative Holdings (Post-Transaction)1

CFFN common stock

Indirect

Shares owned45.58K

Total

45.58K indirect45.58K

Security Title	Shares Owned	Ownership Type
CFFN common stock	45.58K	Indirect
Total	45.58K	45.58K indirect

Derivative Holdings (Post-Transaction)2

CFFN Non-qualified Stock Option

Direct

Underlying security

CFFN common stock

Underlying shares

6.42K

Shares owned

6.42K

Exercise price

11.91

Expiration

—

Exercise window

—

CFFN Phantom Stock 2022

Direct

Underlying security

CFFN common stock

Underlying shares

2.83K

Shares owned

2.83K

Exercise price

8.65

Expiration

—

Exercise window

—

Total

Underlying

9.24K

Owned

9.24K

Security	Underlying	Exercise Price	Exercise Window	Expiration	Underlying Shares	Shares Owned
CFFN Non-qualified Stock Option Direct	CFFN common stock	11.91	—	—	6.42K	6.42K
CFFN Phantom Stock 2022 Direct	CFFN common stock	8.65	—	—	2.83K	2.83K
Total					9.24K	9.24K