Capitol Federal Financial, Inc.

Listed Company

CFFNCIK 0001490906NasdaqLarge AcceleratedSavings Institution, Federally CharteredMarylandFY ends Sep 30

Period

FY 2025

Revenue

$16.30M

Net Income

$68.03M

Total Assets

$9.78B

Equity

$1.05B

Shares Out

126.77M

Op. Cash Flow

$55.04M

CFFN$8.61+37.98% · past yearDBEQ Basic

Daily closing prices

Business

Capitol Federal Financial, Inc. is a federally chartered savings bank holding company operating through its wholly-owned subsidiary, Capitol Federal Bank. The Bank attracts deposits from the general public and businesses, investing primarily in commercial loans (secured and unsecured), one- to four-family residential mortgages, and investment securities including mortgage-backed securities. The Bank operates 46 branches across Kansas and Missouri, offering deposit accounts, treasury management services for commercial customers, small business banking, and expanding private banking and wealth management services.

Summary from 10-K filed 2025-11-26

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-09-30	FY 2024 2024-09-30	FY 2023 2023-09-30	FY 2022 2022-09-30	FY 2021 2021-09-30
Loans receivable	333	309	280	229	230
Mortgage-backed securities ("MBS")	46	34	19	19	21
FHLB stock	9	10	14	10	4
Cash and cash equivalents	8	16	44	18	144,000
Investment securities	3	9	4	3	3
Total interest and dividend income	400	377	360	280	258
Deposits	146	140	82	34	48
Borrowings	73	75	124	52	35
Total interest expense	219	215	207	87	—
NET INTEREST INCOME	180	162	153	193	175
PROVISION FOR CREDIT LOSSES	745,000	1	7	−5	−9
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	180	161	146	197	184
Revenue from contracts with customers	16	15	18	18	17
Net loss from securities transactions	0	−13	−193	0	0
Other non-interest income	6	5	5	6	5
Total non-interest income	21	5	−171	23	28
Salaries and employee benefits	60	52	51	57	56
Information technology and related expense	20	20	23	18	18
Occupancy, net	13	14	14	14	14
Regulatory and outside services	5	6	6	6	6
Advertising and promotional	5	4	4	5	5
Federal insurance premium	4	6	4	3	3
Deposit and loan transaction costs	3	3	3	3	3
Office supplies and related expense	2	2	2	2	2
Other non-interest expense	5	5	5	4	5
Total non-interest expense	117	112	114	113	116
INCOME (LOSS) BEFORE INCOME TAX EXPENSE	83	54	−139	107	96
INCOME TAX EXPENSE (BENEFIT)	15	16	−37	23	20
NET INCOME (LOSS)	68	38	−102	84	76
Basic earnings (loss) per share ("EPS")	0.52	0.29	−0.76	0.62	0.56
Diluted EPS	0.52	0.29	−0.76	0.62	0.56

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-09-30	FY 2024 2024-09-30	FY 2023 2023-09-30	FY 2022 2022-09-30	FY 2021 2021-09-30
Cash and cash equivalents (includes interest-earning deposits of $229,566 and $192,138)	252	217	246	49	42
Available-for-sale ("AFS") securities, at estimated fair value (amortized cost of $847,369 and $829,852)	867	856	1,384	1,563	2,015
Loans receivable, net (allowance for credit losses ("ACL") of $24,039 and $23,035)	8,112	7,907	7,971	7,464	7,081
Federal Home Loan Bank Topeka ("FHLB") stock, at cost	91	101	111	101	73
Premises and equipment, net	89	91	92	95	99
Income taxes receivable, net	220,000	359,000	9	1	0
Deferred income tax assets, net	24	22	30	34	0
Other assets	343	332	336	318	321
TOTAL ASSETS	9,779	9,528	10,177	9,625	9,631
Deposits	6,591	6,130	6,051	6,195	6,597
Borrowings	1,951	2,180	2,879	2,132	—
Advances by borrowers	65	62	63	80	73
Deferred income tax liabilities, net	2	0	—	0	6
Other liabilities	121	124	140	121	129
Total liabilities	8,731	8,495	9,133	8,528	8,389
Preferred stock, $.01 par value; 100,000,000 shares authorized, no shares issued or outstanding	0	0	0	0	0
Common stock, $.01 par value; 1,400,000,000 shares authorized, 132,204,305 and 132,735,565 shares issued and outstanding as of September 30, 2025 and 2024, respectively	1	1	1	1	1
Additional paid-in capital	1,143	1,147	1,167	1,190	1,190
Unearned compensation, Employee Stock Ownership Plan ("ESOP")	−25	−26	—	—	—
Accumulated deficit	−87	−111	−105	80	99
Accumulated other comprehensive income ("AOCI"), net of tax	16	22	9	−146	−16
Total stockholders' equity	1,048	1,032	1,044	1,096	1,242
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	9,779	9,528	10,177	9,625	9,631

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-09-30	FY 2024 2024-09-30	FY 2023 2023-09-30	FY 2022 2022-09-30	FY 2021 2021-09-30
Originations of loans receivable held-for-sale ("LHFS")	−3	−712,000	−1	−1	−2
Proceeds from sales of LHFS	5	725,000	1	1	2
Amortization and accretion of premiums and discounts on securities	−3	−8	3	5	6
Depreciation and amortization of premises and equipment	7	8	9	9	9
Amortization of intangible assets	523,000	774,000	1	1	2
Amortization of deferred amounts related to FHLB advances, net	1	2	2	2	2
Common stock committed to be released for allocation - ESOP	996,000	927,000	1	2	2
Stock-based compensation	400,000	358,000	327,000	498,000	496,000
Provision for deferred income taxes	2	4	−46	2	−2
Unrestricted cash collateral from derivative counterparties, net	−1	−12	2	12	0
Other assets, net	6	8	3	7	13
Income taxes receivable, net	114,000	8	−7	−2	105,000
Other liabilities	−21	−23	−4	−11	−14
Net cash provided by operating activities	55	31	48	97	74
Purchase of AFS securities	−248	−1,177	0	−88	−1,079
Proceeds from calls, maturities and principal reductions of AFS securities	234	455	187	323	594
Proceeds from sale of AFS securities	0	1,270	0	0	—
Proceeds from the redemption of FHLB stock	21	20	358	302	25
Purchase of FHLB stock	−2	0	−355	−319	−1
Net change in loans receivable	−208	64	−520	−382	133
Proceeds from sale of participating interest in loans receivable	0	0	6	0	0
Purchase of premises and equipment	−5	−7	−6	−6	−9
Proceeds from sale of other real estate owned ("OREO")	239,000	464,000	533,000	692,000	194,000
Proceeds from sale of premises and equipment	43,000	0	0	—	—
Proceeds from sale of assets held-for-sale	0	629,000	0	—	—
Proceeds from bank-owned life insurance ("BOLI") death benefit	667,000	1	720,000	1	443,000
Net cash (used in) provided by investing activities	−207	629	−329	−168	−327
Cash dividends paid	−44	−45	−83	−103	−118
Net change in deposits	461	79	−144	−403	406
Proceeds from borrowings	650	350	4,294	1,454	1,144
Repayments on borrowings	−880	−1,052	−3,549	−907	—
Change in advances by borrowers	4	−1	−17	7	7
Payment of FHLB prepayment penalties	−547,000	0	0	0	−5
Repurchase of common stock	−4	−19	−23	0	−5
Net cash provided by (used in) financing activities	187	−689	478	49	83
NET INCREASE / (DECREASE) IN CASH AND CASH EQUIVALENTS	35	−28	196	−21	−169
Income tax payments	1	6	5	14	13
Interest payments	218	225	189	84	84

Filings

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Frequently asked questions

What is Capitol Federal Financial, Inc.'s CIK number?

Capitol Federal Financial, Inc.'s SEC CIK number is 0001490906 (1490906). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Capitol Federal Financial, Inc.'s SEC filings?

All of Capitol Federal Financial, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Capitol Federal Financial, Inc. last report earnings?

Capitol Federal Financial, Inc. (CFFN) most recently filed an earnings 8-K with the SEC on Apr 29, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001490906-26-000015). This is Capitol Federal Financial, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is Capitol Federal Financial, Inc.'s most recent earnings 8-K?

Capitol Federal Financial, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 29, 2026 under accession 0001490906-26-000015. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View Capitol Federal Financial, Inc.'s latest earnings 8-K →
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