CFFN - NASDAQ
Capitol Federal Financial, Inc.
$7.62
-3.1%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.
At a Glance
Live SnapshotCapitol Federal Financial, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
Cash Flow Quality Insight
Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.
Capitol Federal Financial, Inc. Cash Flow Statement
CFFN • NASDAQ
| Capitol Federal Financial, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
68M | 38M | -101.7M | 84.5M | 76.1M | 64.5M | 94.2M | 98.9M | 84.1M | 83.5M | 78.1M | 77.7M | 69.3M | 74.5M | 38.4M | 67.8M | 66.3M | 51M | 32.3M | 48.1M | |
7.7M | 8.7M | 10.1M | 10.7M | 11M | 11.1M | 11.5M | 8.7M | 7.8M | 7.1M | 6.8M | 6.3M | 5.4M | 5M | 4.4M | 4.6M | 5.1M | 6.1M | 4.4M | 10M | |
2.1M | 3.5M | -45.5M | 2M | -1.7M | -5.6M | -361K | -4.5M | 922K | 470K | 3.2M | 2.1M | 5.7M | 6.1M | -9.6M | 3.5M | 3.5M | 8.2M | 18.7M | 28.3M | |
1.4M | 1.3M | 1.5M | 2.2M | 2.5M | 2.6M | 2.8M | 2.6M | 2.9M | 3.3M | 4.1M | 4.1M | 9.3M | 7.6M | 6.3M | 6.9M | 604K | 0.0 | 0.0 | 0.0 | |
-8.2M | -2M | 190.3M | -7.9M | -12M | 18.7M | -5.8M | 9M | 481K | -5.8M | -1.9M | 7.7M | 11.1M | 15.6M | 17.2M | 9.7M | 114.4M | 3.2M | -1.5M | -1.5M | |
(1M) | (6M) | (5.4M) | (13.6M) | (13.1M) | (13M) | (17.8M) | (24.8M) | (37.9M) | (36.5M) | (35.8M) | (35M) | (31.2M) | (36.8M) | (25.5M) | (40.7M) | (35.3M) | (0.0) | (0.0) | (0.0) | |
-15.9M | -18.3M | -7.2M | 5.7M | -1.5M | 1.6M | -21.3M | 9.5M | -10.8M | -3.7M | -3.7M | -6.2M | 819K | -2.5M | 9.1M | -33.4M | 700K | 13.3M | 392.8M | -3.3M | |
55M | 31.2M | 47.5M | 97.3M | 74.5M | 92.9M | 80.9M | 124.2M | 85.4M | 85M | 86.6M | 91.8M | 101.7M | 106.2M | 65.8M | 59.2M | 190.7M | 81.7M | 446.7M | 81.6M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-5.2M | -7.2M | -6.3M | -5.6M | -9.4M | -14.7M | -11.7M | -11.8M | -9.1M | -14.9M | -12M | -7.2M | -18.8M | -12.6M | -12.8M | -8.2M | -13.1M | -8.7M | -4.6M | -2.7M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (15.7M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-248.2M | -1.2B | (0.0) | -88M | -1.1B | -1B | -386.7M | -411.5M | -37.4M | -244.3M | -204.1M | -289.6M | -851.2M | -1.2B | -2.8B | -1.7B | -648.8M | -1.6B | -919.1M | -310.2M | |
234M | 1.7B | 186.9M | 323M | 601.7M | 668M | 525.2M | 407.3M | 413.3M | 636.1M | 564.8M | 677.6M | 1.3B | 1.8B | 1.8B | 1.4B | 608.4M | 1.1B | 1.1B | 791.9M | |
-187.2M | 85.3M | -509.7M | -397M | 160.4M | 203.3M | 106.5M | -21.3M | -220.5M | -277.5M | -367.3M | -352.8M | -336.1M | -459.6M | 11.9M | 247.1M | -387.1M | -35.4M | -117.8M | -165.1M | |
-206.6M | (629.1M) | -329.1M | -167.6M | -326.7M | -151.3M | (233.3M) | -21.6M | (146.3M) | (99.5M) | -18.5M | (28M) | (116.3M) | (76.8M) | -933.3M | -38.5M | -440.6M | -472.6M | (96.7M) | (313.8M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-3.9M | -19.4M | -23.5M | 0.0 | -4.6M | -20.8M | 0.0 | 0.0 | 0.0 | 0.0 | -50M | -79.6M | -91.6M | -146.8M | 1.1B | -10M | -2.4M | -6.7M | 744K | -14.4M | |
-229.7M | -702.2M | 745.3M | 547.5M | -203M | -447M | -45.1M | -139.1M | -200M | -900M | -120M | 750M | -70M | 0.0 | -129.6M | -95M | -20M | 360M | -550M | -154M | |
-44.3M | -44.5M | -83.2M | -103.1M | -117.9M | -93.9M | -134.9M | -118.3M | -118M | -111.8M | -114.2M | -138.2M | -146.8M | -63.8M | -150.1M | -48.4M | -44.1M | -41.4M | -43M | -46.9M | |
-3.9M | -19.4M | -23.5M | (0.0) | -4.6M | -20.8M | (0.0) | (0.0) | (0.0) | (0.0) | -50M | -79.6M | -91.6M | -146.8M | (0.0) | -10M | -2.4M | -7.3M | (0.0) | -16.7M | |
464.5M | 77.6M | -160.7M | -395.2M | 408.2M | 606M | -19.6M | -57.8M | 156.1M | 336.4M | 177.9M | 45M | 62.6M | 48.1M | 126.7M | 156.8M | 270.3M | 3.3M | 28.4M | -55.4M | |
186.7M | -688.6M | 478M | 49.2M | 82.8M | 44.4M | -199.6M | -315.2M | -161.8M | -675.3M | -106.3M | 577.2M | -245.8M | -162.5M | 923.4M | 3.4M | 203.9M | 315.2M | -563.8M | -270.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
35.1M | -28.3M | 196.4M | -21.1M | -169.4M | -14M | 114.6M | -212.6M | 69.9M | -490.9M | -38.2M | 697M | -27.8M | 20.6M | 55.9M | 24.1M | -46M | -75.7M | -20.5M | 124.7M | |
217.3M | 245.6M | 49.2M | 70.3M | 239.7M | 253.7M | 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 | 58.6M | |
252.4M | 217.3M | 245.6M | 49.2M | 70.3M | 239.7M | 253.7M | 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 | |
49.8M | 24M | 41.3M | 91.7M | 65.1M | 78.2M | 69.2M | 112.4M | 76.3M | 70.1M | 74.6M | 84.6M | 83M | 93.6M | 53M | 51M | 177.7M | 73M | 442.1M | 78.9M |
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 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 28, 2026 | 2026 | |
10-Q 10-Q 2025 Q4 Q4 | February 06, 2026 | December 31, 2025 | 2025 | |
8-K/A 8-K/A 2026 (Amended) N/A | February 02, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 28, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 23, 2026 | January 23, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | December 18, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 17, 2025 | December 17, 2025 | 2025 | |
10-K 10-K 2025 FY FY | November 26, 2025 | September 30, 2025 | 2025 |
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