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CFFN

Capitol Federal Financial, Inc.

CFFN

Capitol Federal Financial, Inc. • NASDAQ
$6.61 ▼ -0.45% (-0.03)
Market Cap $854.91 M
52w High $6.89
52w Low $4.90
Dividend Yield 0.34%
P/E 12.71
Volume 364.72K
Outstanding Shares 129.34M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q4-2025 $104.044M ▼ $0 ▼ $18.813M ▲ 18.082% ▲ $0.14 $23.037M ▼
Q3-2025 $104.251M ▲ $28.849M ▲ $18.382M ▲ 17.632% ▲ $0.14 ▲ $23.548M ▲
Q2-2025 $102.249M ▲ $28.661M ▲ $15.399M ▼ 15.06% ▼ $0.12 $21.205M ▲
Q1-2025 $101.724M ▲ $26.557M ▲ $15.431M ▲ 15.169% ▲ $0.12 ▲ $21.082M ▼
Q4-2024 $101.069M $26.456M $12.057M 11.929% $0.093 $21.237M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q4-2025 $252.443M ▼ $9.779B ▲ $8.731B ▲ $1.048B ▲
Q3-2025 $1.131B ▼ $9.693B ▼ $8.647B ▼ $1.046B ▲
Q2-2025 $1.302B ▲ $9.718B ▲ $8.681B ▲ $1.037B ▲
Q1-2025 $1.032B ▼ $9.538B ▲ $8.511B ▲ $1.027B ▼
Q4-2024 $1.074B $9.528B $8.495B $1.032B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q4-2025 $492.12B ▲ $21.524M ▲ $-211.802B ▼ $0 ▲ $0 ▲ $19.872M ▲
Q3-2025 $18.382M ▲ $12.404M ▼ $-137.628M ▼ $-40.2M ▼ $-165.424M ▼ $10.762M ▼
Q2-2025 $15.399M ▼ $15.505M ▲ $-8.399M ▲ $162.959M ▲ $170.065M ▲ $14.749M ▲
Q1-2025 $15.431M ▲ $5.608M ▲ $-65.775M ▼ $13.184M ▲ $-46.983M ▲ $4.456M ▲
Q4-2024 $12.057M $-3.091M $-1.226M $-96.197M $-100.514M $-4.867M

Revenue by Products

Product Q3-2024Q4-2024Q2-2025Q4-2025
Deposit Account
Deposit Account
 $0 ▲$10.00M ▲$0 ▼$10.00M ▲
Insurance Services
Insurance Services
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Earnings show a clear story of stress followed by recovery. The bank went through a notably weak year recently, with losses and pressure on margins, likely reflecting the sharp interest-rate and funding-cost environment. Since then, revenue and profits have bounced back into positive territory and are now back to a more normal, though not spectacular, level. Profitability is better than during the downturn but still looks a bit softer than the stronger years earlier in the decade. Overall, the income statement suggests a franchise that was hit by the rate cycle but has stabilized and is rebuilding earnings, with some remaining sensitivity to funding costs and loan yields.

Balance Sheet

Balance Sheet The balance sheet looks steady in size, with total assets holding roughly flat over several years, which points to a conservative growth approach. Cash on hand has improved from very low levels during the tighter-liquidity period, giving the bank a healthier cushion today than it had a few years ago. Borrowing has crept higher over time, while equity has edged down, implying somewhat higher leverage and a thinner capital buffer than before, though still clearly positive. In plain terms, the bank appears solid but not overbuilt, with a stronger liquidity position than in the recent past and a gradual shift toward more reliance on wholesale funding.

Cash Flow

Cash Flow Underlying cash generation looks reasonably consistent. The bank has produced positive cash from operations in recent years and typically converts a good portion of that into free cash flow because its investment needs are modest and predictable. Even in the weaker profit year, cash flow held up relatively well, which is a positive sign for the resilience of the core franchise. Capital spending is small and steady, suggesting management is disciplined on physical investment and relies more on targeted technology upgrades than on heavy brick-and-mortar expansion.

Competitive Edge

Competitive Edge Capitol Federal operates as a traditional community-focused regional bank anchored in Kansas and Missouri. Its main strengths are long-standing local relationships, a strong reputation for customer service, and a clear identity as a conservative, relationship-driven institution. These qualities help it retain deposits and attract small and mid-sized business clients that value quick, local decision-making. On the other hand, it competes against much larger national banks with broader product sets and more aggressive technology budgets, as well as newer digital-first players. Its shift toward higher-yielding commercial loans offers growth and diversification, but also increases exposure to credit cycles and competition from more specialized commercial lenders.

Innovation and R&D

Innovation and R&D The bank is not a cutting-edge fintech innovator, but it is steadily modernizing. Recent upgrades to its core banking system and digital platforms have refreshed its online and mobile experience, streamlined deposit account opening, and improved card and payment capabilities. For commercial customers, the bank is rolling out digital onboarding, integrated cash-management tools, and software that helps relationship managers price and manage entire client relationships more precisely. These efforts are less about experimental research and more about practical, incremental improvements that can boost efficiency and deepen customer ties. The key question is how effectively the bank can leverage its new systems to improve service quality, reduce costs, and support its push into more complex commercial banking.

Summary

Capitol Federal today looks like a conservative regional bank that has weathered a tough interest-rate and funding period, taken its hit to earnings, and is now back on firmer footing. Earnings have recovered from a loss-making year, liquidity is stronger, and cash generation remains healthy, though profitability is still rebuilding and leverage is somewhat higher than in the past. Strategically, the bank is trying to evolve from a largely traditional thrift-style model toward a more balanced mix that includes commercial lending and fee-based services, supported by upgraded digital infrastructure. The main opportunities lie in deepening commercial relationships and extracting more efficiency from its new systems, while key risks include credit quality in a more commercial-heavy loan book, ongoing competition for deposits, and the challenge of keeping up with larger banks’ technology and product breadth without stretching its balance sheet or risk appetite.

NEWS

October 29, 2025 · 9:00 AM UTC

Capitol Federal Financial, Inc.® Reports Fourth Quarter and Fiscal Year 2025 Results

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October 28, 2025 · 2:08 PM UTC

Capitol Federal Financial, Inc.® Announces Quarterly Dividend

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October 17, 2025 · 11:00 AM UTC

Capitol Federal Financial, Inc.® Announces Annual Stockholders Meeting Date

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