CFFN - NASDAQ

Capitol Federal Financial, Inc.

CFFN·NASDAQ

$7.62

-3.1%

Financial ServicesBanks - Regional

Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity, loans and lines of credit, home improvement loans, vehicle loans, and loans secured by saving deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 54 branches, including 45 traditional branches and nine in-store branches located in nine counties throughout Kansas and two counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$965.99M

EPS0.5200

P/E Ratio14.65

Earnings Date07/22/2026

9.78B

Assets

3Y+2.0%

5Y+3.0%

10Y+6.0%

8.73B

Total Liabilities

3Y+2.0%

5Y+6.0%

10Y+11.0%

1.05B

Total Equity

3Y-4.0%

5Y-18.0%

10Y-25.0%

Capitol Federal Financial, Inc. Funding & Solvency Profile

CFFN · NASDAQ

Current Assets

Cash & Cash Equivalents252.44M

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets1 B

Non-Current Assets

Property, Plant & Equipment89.31M

Goodwill & Intangible Assets0.00

Long-Term Investments8.11B

Other Non-Current Assets433.94M

Total Non-Current Assets9 B

Total Assets

9.78B

Financial Health Analysis

Current Ratio

0.17x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.33x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-5471789000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

11% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Capitol Federal Financial, Inc. Balance Sheet

CFFN • NASDAQ

Capitol Federal Financial, Inc. Balance Sheet	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009	Sep 2008	Sep 2007	Sep 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	252.4M	217.3M	245.6M	49.2M	42.3M	185.1M	220.4M	139.1M	351.7M	281.8M	772.6M	810.8M	113.9M	141.7M	121.1M	65.2M	41.2M	87.1M	162.8M	183.2M
Short-Term Investments	867.2M	856.3M	1.4B	1.6B	2B	1.6B	1.2B	714.6M	415.8M	527.3M	758.2M	840.8M	1.1B	1.4B	1.5B	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	1.1B	1.1B	1.6B	1.6B	2.1B	1.7B	1.4B	853.7M	767.5M	809.1M	1.5B	1.7B	1.2B	1.5B	1.6B	65.2M	41.2M	87.1M	162.8M	183.2M
Net Receivables	0.0	0.0	0.0	0.0	0.0	0.0	2K	2.2M	0.0	0.0	1.1M	0.0	23.6M	26.1M	29.3M	30.9M	32.6M	33.7M	42.5M	43.4M
Accounts Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	23.6M	26.1M	29.3M	30.2M	32.6M	33.7M	35.9M	38M
Other Receivables	0.0	0.0	0.0	0.0	0.0	0.0	2K	2.2M	0.0	0.0	1.1M	0.0	0.0	0.0	0.0	716K	0.0	0.0	6.6M	5.4M
Prepaids	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	20.4M	0.0	0.0	0.0	0.0
Total Current Assets	1.1B	1.1B	1.6B	1.6B	2.1B	1.7B	1.4B	855.8M	767.5M	809.1M	1.5B	1.7B	1.2B	1.6B	1.6B	116.6M	73.8M	120.8M	205.3M	226.6M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	89.3M	91.5M	91.5M	94.8M	99.1M	101.9M	96.8M	96M	84.8M	83.2M	75.8M	70.5M	70.1M	57.8M	48.4M	41.3M	37.7M	29.9M	26.6M	26.5M
Goodwill	0.0	0.0	0.0	0.0	0.0	9.3M	9.3M	8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	0.0	0.0	0.0	0.0	0.0	5.5M	7.5M	9.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	42.5M	43.4M
Goodwill & Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5.6M	6.9M
Long-Term Investments	8.1B	7.9B	8B	7.5B	7.1B	7.2B	7.4B	8.1B	8B	8.1B	7.9B	7.8B	7.7B	7.5B	7.5B	8.1B	8.1B	7.7B	7.2B	7.3B
Tax Assets	23.8M	22M	29.6M	33.9M	0.0	0.0	0.0	0.0	0.0	8M	0.0	393K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	433.9M	433.3M	455.3M	419.5M	394.1M	436.4M	401.3M	370.9M	317.8M	316.1M	340.3M	357M	232M	249.9M	245.7M	220.5M	215M	206.1M	207.7M	599.1M
Total Non-Current Assets	8.7B	8.5B	8.5B	8B	7.6B	7.7B	7.9B	8.6B	8.4B	8.5B	8.3B	8.2B	8B	7.8B	7.8B	8.4B	8.3B	7.9B	7.5B	8B
Total Assets	9.8B	9.5B	10.2B	9.6B	9.6B	9.5B	9.3B	9.4B	9.2B	9.3B	9.8B	9.9B	9.2B	9.4B	9.5B	8.5B	8.4B	8.1B	7.7B	8.2B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	129.3M	146.9M	101.9M	83M	52.2M	49.9M	36.7M	46.7M	31.5M	44.3M	43.8M	0.0	6M	43M	48.7M	64.9M
Accounts Payable	0.0	0.0	0.0	0.0	129.3M	146.9M	101.9M	83M	52.2M	49.5M	36.7M	46.4M	31.4M	44.3M	43.8M	0.0	0.0	0.0	0.0	0.0
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6M	43M	48.7M	64.9M
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	44.3M	43.8M	33.6M	35.2M	0.0	0.0	0.0
Short Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	110.1M	200M	200M	200M	220M	320M	365M	0.0	0.0	0.0	0.0	0.0	0.0
Tax Payables	0.0	0.0	0.0	0.0	918K	795K	0.0	0.0	530K	310K	0.0	368K	108K	918K	2.3M	0.0	6M	0.0	0.0	0.0
Other Current Liabilities	6.6B	6.1B	6.1B	6.2B	6.6B	6.2B	5.6B	5.6B	5.3B	5.2B	4.8B	4.7B	4.6B	4.6B	4.5B	4.4B	4.2B	3.9B	3.9B	3.8B
Total Current Liabilities	6.6B	6.1B	6.1B	6.2B	6.7B	6.3B	5.7B	5.8B	5.6B	5.4B	5.1B	4.9B	5B	5B	4.6B	4.4B	4.3B	3.9B	3.9B	3.9B
NON-CURRENT LIABILITIES
Long Term Debt	1.9B	2.2B	2.4B	2.1B	1.6B	1.8B	2.2B	2.3B	2.2B	2.4B	3.3B	3.4B	2.5B	2.5B	2.9B	3B	3.1B	3.2B	2.8B	3.3B
Deferred Tax Liabilities (Non-Current)	2.1M	0.0	0.0	0.0	5.8M	8.2M	14.3M	21.3M	24.5M	25.4M	26.4M	22.4M	20.4M	25M	20.4M	33.2M	31M	0.0	0.0	0.0
Other Non-Current Liabilities	186.8M	185.8M	703.1M	201.4M	73.6M	66.5M	65.7M	-44.8M	64.3M	63M	61.8M	58.5M	57.5M	12.3M	13.7M	55M	61.4M	99.4M	99.8M	113.3M
Total Non-Current Liabilities	2.1B	2.4B	3.1B	2.3B	1.7B	1.9B	2.3B	2.3B	2.3B	2.5B	3.4B	3.5B	2.6B	2.6B	2.9B	3.1B	3.2B	3.3B	2.9B	3.4B
Capital Lease Obligations	1.1M	1.1M	0.0	0.0	0.0	13.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	8.7B	8.5B	9.1B	8.5B	8.4B	8.2B	8B	8.1B	7.8B	7.9B	8.4B	8.4B	7.6B	7.6B	7.5B	7.5B	7.5B	7.2B	6.8B	7.3B
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-323.4M	-319.6M	-317.9M	-311M	-310.7M
Common Stock	1.3M	1.3M	1.4M	1.4M	1.4M	1.4M	1.4M	1.4M	1.4M	1.4M	1.4M	1.4M	1.5M	1.6M	1.7M	915K	915K	915K	915K	915K
Additional Paid-In Capital	1.1B	1.1B	1.2B	1.2B	1.2B	1.2B	1.2B	1.2B	1.2B	1.2B	1.2B	1.2B	1.2B	1.3B	1.4B	457.8M	452.9M	445.4M	439M	429.3M
Retained Earnings	-87.3M	-111.1M	-104.6M	80.3M	98.9M	143.2M	174.3M	214.6M	234.6M	268.5M	296.7M	346.7M	432.2M	536.2M	569.1M	801M	781.6M	759.4M	750.2M	760.9M
Accumulated Other Comprehensive Income/Loss	15.8M	21.6M	8.7M	-145.6M	-16.3M	-16.5M	-14.9M	4.3M	2.9M	5.9M	8.4M	7M	7.3M	24.2M	26.7M	25.6M	25.5M	-16.6M	-11.4M	-17.2M
Other Total Stockholders' Equity	-24.8M	-26.4M	-28.1M	-29.7M	-31.4M	-33M	-34.7M	-36.3M	-38M	-39.6M	-41.3M	-43M	-44.6M	-47.6M	-50.5M	0.0	0.0	0.0	0.0	0.0
Total Stockholders' Equity	1B	1B	1B	1.1B	1.2B	1.3B	1.3B	1.4B	1.4B	1.4B	1.4B	1.5B	1.6B	1.8B	1.9B	962M	941.3M	871.2M	867.6M	863.2M
Total Equity	1B	1B	1B	1.1B	1.2B	1.3B	1.3B	1.4B	1.4B	1.4B	1.4B	1.5B	1.6B	1.8B	1.9B	962M	941.3M	871.2M	867.6M	863.2M
SUMMARY
Total Liabilities & Equity	9.8B	9.5B	10.2B	9.6B	9.6B	9.5B	9.3B	9.4B	9.2B	9.3B	9.8B	9.9B	9.2B	9.4B	9.5B	8.5B	8.4B	8.1B	7.7B	8.2B
Total Investments	9B	8.8B	9.4B	9B	9.1B	8.8B	8.6B	8.8B	8.4B	8.6B	8.7B	8.6B	8.7B	8.9B	9B	8.1B	8.1B	7.7B	7.2B	7.3B
Total Debt	2B	2.2B	2.4B	2.1B	1.6B	1.8B	2.2B	2.4B	2.4B	2.6B	3.5B	3.6B	2.8B	2.9B	2.9B	3B	3.1B	3.2B	2.8B	3.3B
Net Debt	1.7B	2B	2.1B	2.1B	1.5B	1.6B	2B	2.3B	2B	2.3B	2.7B	2.8B	2.7B	2.8B	2.8B	3B	3.1B	3.1B	2.6B	3.1B
Shares Outstanding	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913	129,559,913

SEC Filings

CFFN - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 28, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 06, 2026	December 31, 2025	2025	View Filing
8-K/A 8-K/A 2026 (Amended) N/A	February 02, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 23, 2026	January 23, 2026	2026	View Filing
DEF 14A DEF 14A 2025 N/A	December 18, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	December 17, 2025	December 17, 2025	2025	View Filing
10-K 10-K 2025 FY FY	November 26, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 251 filings

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