NASDAQ : CFFN
Capitol Federal Financial, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 8.43 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.02B
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Financial statements
Income statement
Fiscal year October - September; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 362.75M | 362.75M | 332.52M | 308.71M | 280.09M | 228.53M |
| Interest Income on Investments | 59.17M | 59.17M | 67.00M | 68.14M | 79.70M | 51.01M |
| Total Interest Income | 421.92M | 421.92M | 399.52M | 376.84M | 359.79M | 279.54M |
| Interest Paid on Deposits | 146.24M | 146.24M | 146.26M | 139.55M | 82.27M | 34.46M |
| Interest Paid on Borrowings | 63.79M | 63.79M | 72.95M | 75.23M | 124.25M | 52.49M |
| Total Interest Expense | 210.03M | 210.03M | 219.21M | 214.78M | 206.52M | 86.95M |
| Net Interest Income | 211.90M | 211.90M | 180.31M | 162.06M | 153.27M | 192.59M |
| Other Non-Interest Income | 12.16M | 12.16M | 9.68M | -5.32M | -184.20M | 9.03M |
| Total Non-Interest Income | 23.64M | 23.64M | 20.73M | 5.24M | -171.46M | 22.83M |
| Revenues Before Loan Losses | 235.53M | 235.53M | 201.04M | 167.31M | -18.18M | 215.42M |
| Provision for Loan Losses | 3.04M | 3.04M | 745.00K | 1.26M | 6.84M | -4.63M |
| Revenue | 232.49M | 232.49M | 200.29M | 166.05M | -25.02M | 220.05M |
| Salaries and Employee Benefits | 65.48M | 65.48M | 58.99M | 50.99M | 49.98M | 54.36M |
| Occupancy Expenses | 13.42M | 13.42M | 12.39M | 12.24M | 12.70M | 12.81M |
| Federal Deposit Insurance | 4.42M | 4.42M | 4.32M | 6.05M | 4.46M | 3.02M |
| Selling, General & Administrative | 27.48M | 27.48M | 28.74M | 28.88M | 33.27M | 29.24M |
| Other Non-Interest Expense | 14.03M | 14.03M | 12.84M | 13.78M | 13.52M | 13.42M |
| Total Non-Interest Expense | 124.83M | 124.83M | 117.27M | 111.94M | 113.93M | 112.85M |
| EBT Excluding Unusual Items | 107.66M | 107.66M | 83.02M | 54.10M | -138.96M | 107.20M |
| Pretax Income | 107.66M | 107.66M | 83.02M | 54.10M | -138.96M | 107.20M |
| Income Tax Expense | 21.26M | 21.26M | 15.00M | 16.09M | -37.30M | 22.75M |
| Net Income | 86.40M | 86.40M | 68.03M | 38.01M | -101.66M | 84.45M |
| Preferred Dividends & Other Adjustments | 82.00K | 33.00K | -51.00K | 45.00K | ||
| Net Income to Common | 86.40M | 86.40M | 67.94M | 37.98M | -101.61M | 84.41M |
| Basic Shares Outstanding | 122.73M | 122.73M | 129.99M | 130.67M | 133.56M | 135.70M |
| Diluted Shares Outstanding | 122.73M | 122.73M | 129.99M | 130.67M | 133.56M | 135.70M |
| EPS (Basic) | 0.70 | 0.70 | 0.52 | 0.29 | -0.76 | 0.62 |
| EPS (Diluted) | 0.70 | 0.70 | 0.52 | 0.29 | -0.76 | 0.62 |
| Dividend Per Share | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 |
| Effective Tax Rate | 19.75% | 19.75% | 18.06% | 29.74% | 21.22% |
Balance sheet
Fiscal year October - September; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 150.29M | 150.29M | 252.44M | 217.31M | 245.60M | 49.19M |
| Investment Securities | 143.72M | 204.09M | 605.55M | 586.58M | ||
| Trading Asset Securities | 926.00K | 2.10M | 13.00M | 12.50M | ||
| Mortgage-Backed Securities | 734.81M | 734.81M | 863.50M | 783.57M | 900.73M | 1.09B |
| Total Investments | 734.81M | 734.81M | 1.01B | 989.77M | 1.52B | 1.69B |
| Gross Loans | 8.26B | 8.26B | 8.17B | 7.96B | 8.03B | 7.51B |
| Allowance for Loan Losses | -26.00M | -26.00M | -24.04M | -23.04M | -23.76M | -16.37M |
| Other Adjustments to Gross Loans | -31.64M | -31.64M | -31.27M | -30.34M | -31.34M | -29.74M |
| Net Loans | 8.20B | 8.20B | 8.11B | 7.91B | 7.97B | 7.46B |
| Property, Plant & Equipment | 88.65M | 88.65M | 97.01M | 99.96M | 102.83M | 106.42M |
| Goodwill | 9.32M | 9.32M | 9.32M | 9.32M | ||
| Other Intangible Assets | 223.00K | 746.00K | 1.52M | 2.59M | ||
| Accrued Interest Receivable | 32.10M | 31.10M | 28.10M | 23.60M | ||
| Other Receivables | 220.00K | 359.00K | 8.53M | 1.27M | ||
| Long-Term Deferred Tax Assets | 26.22M | 26.22M | 23.83M | 21.98M | 29.61M | 33.88M |
| Other Real Estate Owned & Foreclosed | 299.00K | 299.00K | 197.00K | 55.00K | 219.00K | 328.00K |
| Other Long-Term Assets | 400.59M | 400.59M | 152.59M | 148.49M | 150.78M | 145.75M |
| Total Assets | 9.67B | 9.67B | 9.78B | 9.53B | 10.18B | 9.62B |
| Interest Bearing Deposits | 6.20B | 6.20B | 5.41B | 5.06B | 4.97B | 5.27B |
| Institutional Deposits | 584.10M | 516.30M | 521.00M | 334.30M | ||
| Non-Interest Bearing Deposits | 662.52M | 662.52M | 601.37M | 549.60M | 558.33M | 591.39M |
| Total Deposits | 6.86B | 6.86B | 6.59B | 6.13B | 6.05B | 6.19B |
| Short-Term Borrowings | 500.00M | |||||
| Current Portion of Long-Term Debt | 482.50M | 482.50M | 509.70M | |||
| Current Portion of Leases | 730.00K | |||||
| Current Income Taxes Payable | 680.00K | 680.00K | ||||
| Other Current Liabilities | 63.60M | 57.90M | ||||
| Federal Home Loan Bank Debt, Long-Term | 1.13B | 1.13B | 1.44B | 2.18B | 2.38B | 2.13B |
| Long-Term Leases | 8.60M | 9.98M | 11.60M | 11.80M | ||
| Long-Term Deferred Tax Liabilities | 2.90M | 2.90M | 2.06M | |||
| Other Long-Term Liabilities | 190.49M | 190.49M | 178.48M | 176.89M | 127.86M | 131.68M |
| Total Liabilities | 8.67B | 8.67B | 8.73B | 8.50B | 9.13B | 8.53B |
| Common Stock | 1.24M | 1.24M | 1.32M | 1.33M | 1.36M | 1.39M |
| Additional Paid-In Capital | 1.08B | 1.08B | 1.14B | 1.15B | 1.17B | 1.19B |
| Retained Earnings | -48.89M | -48.89M | -87.33M | -111.10M | -104.56M | 80.27M |
| Comprehensive Income & Other | -27.77M | -27.77M | -9.03M | -4.80M | -19.38M | -175.37M |
| Shareholders' Equity | 1.01B | 1.01B | 1.05B | 1.03B | 1.04B | 1.10B |
| Total Liabilities & Equity | 9.67B | 9.67B | 9.78B | 9.53B | 10.18B | 9.62B |
| Total Debt | 1.62B | 1.62B | 1.96B | 2.19B | 2.89B | 2.14B |
| Net Cash (Debt) | -1.47B | -1.47B | -1.71B | -1.97B | -2.63B | -2.08B |
| Net Cash Per Share | -11.94 | -11.94 | -13.12 | -15.07 | -19.71 | -15.34 |
| Filing Date Shares Outstanding | 120.90M | 120.90M | 129.17M | 130.00M | 132.35M | 134.45M |
| Total Common Shares Outstanding | 121.73M | 121.73M | 129.56M | 129.96M | 133.04M | 135.82M |
| Book Value Per Share | 8.27 | 8.27 | 8.09 | 7.94 | 7.85 | 8.07 |
| Tangible Book Value | 1.01B | 1.01B | 1.04B | 1.02B | 1.03B | 1.08B |
| Tangible Book Value Per Share | 8.27 | 8.27 | 8.01 | 7.87 | 7.77 | 7.99 |
Cash flow statement
Fiscal year October - September; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 68.03M | 38.01M | -101.66M | 84.45M | ||
| Depreciation & Amortization | 7.72M | 8.70M | 10.11M | 10.74M | ||
| Other Amortization | 1.44M | 1.53M | 1.64M | 1.80M | ||
| Gain (Loss) on Sale of Investments | -3.30M | 5.16M | 195.64M | 4.97M | ||
| Provision for Credit Losses | 745.00K | 1.26M | 6.84M | -4.63M | ||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 1.86M | 13.00K | 5.00K | 25.00K | ||
| Change in Income Taxes | 114.00K | 8.14M | -7.30M | -2.20M | ||
| Change in Other Net Operating Assets | -16.05M | -26.45M | 96.00K | 7.89M | ||
| Other Operating Activities | -6.92M | -6.46M | -59.34M | -7.98M | ||
| Operating Cash Flow | 55.04M | 31.18M | 47.53M | 97.30M | ||
| Capital Expenditures | -5.20M | -7.18M | -6.28M | -5.56M | ||
| Sale of Property, Plant and Equipment | 43.00K | 629.00K | ||||
| Investment in Securities | -14.22M | 550.98M | 186.86M | 235.00M | ||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -207.62M | 63.63M | -514.67M | -381.56M | ||
| Other Investing Activities | 20.18M | 20.60M | 4.45M | -16.15M | ||
| Investing Cash Flow | -206.59M | 629.11M | -329.10M | -167.58M | ||
| Long-Term Debt Issued | 650.10M | 350.10M | 4.29B | 1.45B | ||
| Long-Term Debt Repaid | -879.81M | -1.05B | -3.55B | -906.90M | ||
| Net Debt Issued (Repaid) | -229.71M | -702.19M | 745.33M | 547.50M | ||
| Repurchase of Common Stock | -3.89M | -19.45M | -23.45M | |||
| Common Dividends Paid | -44.25M | -44.52M | -83.17M | -46.14M | ||
| Net Increase (Decrease) in Deposit Accounts | 461.47M | 78.76M | -143.65M | -402.53M | ||
| Other Financing Activities | 3.07M | -1.19M | -17.07M | 7.34M | ||
| Financing Cash Flow | 186.68M | -688.59M | 477.98M | 49.18M | ||
| Net Cash Flow | 35.14M | -28.30M | 196.41M | -21.10M | ||
| Free Cash Flow | 49.84M | 24.00M | 41.25M | 91.74M | ||
| Free Cash Flow Margin | 24.88% | 14.45% | 41.69% | |||
| Free Cash Flow Per Share | 0.38 | 0.18 | 0.31 | 0.68 | ||
| Cash Interest Paid | 217.65M | 224.70M | 188.91M | 83.83M | ||
| Cash Income Tax Paid | 1.02M | 6.02M | 5.42M | 13.56M |
Ratios
Fiscal year October - September; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.05B | 1.02B | 824.20M | 757.52M | 635.23M | 1.13B |
| Last Close Price | 8.43 | 8.25 | 6.03 | 5.24 | 4.03 | 6.44 |
| PE Ratio | 12.30 | 11.75 | 12.13 | 19.95 | 13.34 | |
| PS Ratio | 4.38 | 4.37 | 4.12 | 4.56 | -25.39 | 5.12 |
| PB Ratio | 1.02 | 1.01 | 0.79 | 0.73 | 0.61 | 1.03 |
| P/FCF Ratio | 14.25 | 16.54 | 31.56 | 15.40 | 12.28 | |
| P/OCF Ratio | 13.09 | 14.97 | 24.29 | 13.37 | 11.57 | |
| Debt / Equity Ratio | 1.61 | 1.61 | 1.87 | 2.12 | 2.77 | 1.96 |
| Debt / FCF Ratio | 39.31 | 91.19 | 70.08 | 23.37 | ||
| Net Debt / Equity Ratio | 1.46 | 1.46 | 1.63 | 1.91 | 2.52 | 1.90 |
| Net Debt / FCF Ratio | 34.22 | 82.04 | 63.81 | 22.70 | ||
| Return on Equity (ROE) | 8.41% | 8.41% | 6.54% | 3.66% | -9.50% | 7.22% |
| Return on Assets (ROA) | 0.89% | 0.89% | 0.70% | 0.39% | -1.03% | 0.88% |
| Earnings Yield | 8.13% | 8.51% | 8.25% | 5.02% | -16.00% | 7.50% |
| FCF Yield | 7.02% | 6.05% | 3.17% | 6.49% | 8.15% | |
| Dividend Yield | 3.93% | 4.08% | 5.34% | 5.83% | 7.12% | 4.10% |
| Payout Ratio | 48.30% | 65.05% | 117.13% | 54.63% | ||
| Buyback Yield / Dilution | 5.58% | 5.58% | 0.52% | 2.16% | 1.58% | -0.15% |
| Total Shareholder Return | 9.62% | 9.66% | 5.87% | 7.99% | 8.70% | 3.95% |