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: 1/5/2026ACC: 0001338346-26-000002

InsiderVAN HOUWELING TARACIK 1338346

→

IssuerCAPITOL FEDERAL FINANCIAL, INC.CIK 1490906

Officer· Principal Accounting Officer

Since Jan 2019

+571.00

Net shares

Net buyer

$19.2K

Total sold

Open market trades

0B · 0S

Total transactions

6.22K acquired · 5.65K disposed

Non-Derivative Transactions2

CFFN common stock

Direct

M · Option Exercise

+2.83K

Price / share

$8.65

Trade value

$24.44K

% of position

15.2%

12/31/2025

18.57K→21.39K

CFFN common stock

Direct

D · Disposition

−2.83K

Price / share

$6.81

Trade value

$19.24K

% of position

13.2%

12/31/2025

21.39K→18.57K

Total

Net shares

+0.00

Net value

$5.20K

Security	Date	Type	Shares	Price / Share	Trade Value	% of Position	Held Before	Held After
CFFN common stock Direct	12/31/2025	M · Option Exercise	+2.83K	$8.65	$24.44K	15.2%	18.57K	21.39K
CFFN common stock Direct	12/31/2025	D · Disposition	−2.83K	$6.81	$19.24K	13.2%	21.39K	18.57K
Total			+0.00		$5.20K

Derivative Transactions2

CFFN Phantom Stock 2022

Direct

M · Option Exercise

Converts to

CFFN common stock

2.83K shares

−2.83K

Strike price

8.65

Held after

0.00

Exercisable

—

12/31/2025

CFFN Phantom Stock 2025

Direct

A · Award

Converts to

CFFN common stock

3.40K shares

+3.40K

Strike price

6.81

Held after

3.40K

Exercisable

—

12/31/2025

Security	Converts To	Date	Type	Shares	Strike Price	Exercisable	Held After
CFFN Phantom Stock 2022 Direct	CFFN common stock2.83K shares	12/31/2025	M · Option Exercise	−2.83K	8.65	—	0.00
CFFN Phantom Stock 2025 Direct	CFFN common stock3.40K shares	12/31/2025	A · Award	+3.40K	6.81	—	3.40K

Non-Derivative Holdings (Post-Transaction)1

CFFN common stock

Indirect

Shares owned46.62K

Total

46.62K indirect46.62K

Security Title	Shares Owned	Ownership Type
CFFN common stock	46.62K	Indirect
Total	46.62K	46.62K indirect

Derivative Holdings (Post-Transaction)2

CFFN Phantom Stock 2024

Direct

Underlying security

CFFN common stock

Underlying shares

1.26K

Shares owned

1.26K

Exercise price

5.91

Expiration

—

Exercise window

—

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

—

Total

Underlying

7.67K

Owned

7.67K

Security	Underlying	Exercise Price	Exercise Window	Expiration	Underlying Shares	Shares Owned
CFFN Phantom Stock 2024 Direct	CFFN common stock	5.91	—	—	1.26K	1.26K
CFFN Non-qualified Stock Option Direct	CFFN common stock	11.91	—	—	6.42K	6.42K
Total					7.67K	7.67K