Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc.

CFFNยทNASDAQ

$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.

At a Glance

Live Snapshot
Market Cap$965.99M
EPS0.5200
P/E Ratio14.65
Earnings Date07/22/2026
3Y+39.0%
5Y+30.0%
10Y+33.0%
3Y-19.0%
5Y+5.0%
10Y-19.0%
3Y-43.0%
5Y-41.0%
10Y-35.0%
Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc. Profit Bridge

CFFN ยท NASDAQ
Revenue417.40M
Cost of Goods Sold (219.95M)
Gross Profit197.45M
Operating Expenses (114.43M)
Operating Income83.02M
Interest Expense (219.21M)
Other Income/Expense0.00
Pretax Income83.02M
Income Tax (15.00M)
Net Income68.03M
Net Income
68.03M

Profitability Analysis

Gross Margin

47.3%

Strong gross margins indicate healthy pricing and efficient production or service delivery.

Operating Margin

19.9%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

16.3%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

18.1%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.

Capitol Federal Financial, Inc. Income Statement

CFFN โ€ข NASDAQ

Capitol Federal Financial, Inc. Income StatementSep 2025Sep 2024Sep 2023Sep 2022Sep 2021Sep 2020Sep 2019Sep 2018Sep 2017Sep 2016Sep 2015Sep 2014Sep 2013Sep 2012Sep 2011Sep 2010Sep 2009Sep 2008Sep 2007Sep 2006
REVENUE
417.4M
379.4M
185.6M
299.6M
278.8M
321.7M
349.4M
338.3M
330.1M
315M
308.5M
305.5M
314.3M
346.9M
366.7M
403.2M
441.4M
440.8M
435.5M
436.2M
GROSS PROFIT
(220M)
(216M)
(213.4M)
(82.3M)
(74.7M)
(137.9M)
(124.3M)
(123.1M)
(117.8M)
(108.2M)
(108.4M)
(107.5M)
(119.3M)
(145.2M)
(182.2M)
(213.4M)
(242.5M)
(278.7M)
(304.9M)
(284.2M)
197.4M
163.3M
-27.7M
217.3M
204.1M
183.7M
225.1M
215.2M
212.3M
206.8M
200.1M
197.9M
195M
201.7M
184.5M
189.8M
198.8M
162.1M
130.6M
152M
OPERATING INCOME
(114.4M)
(109.2M)
(111.2M)
(110.1M)
(108.1M)
(103.1M)
(104.5M)
(91.3M)
(84.4M)
(84.8M)
(84.4M)
(82.8M)
(89.4M)
(85.7M)
(127.2M)
(84.4M)
(93.6M)
(82M)
(77.7M)
(73.3M)
(69.7M)
(62.6M)
(60.3M)
(64.8M)
(63.7M)
(75.8M)
(77.2M)
(68.9M)
(62.9M)
(62.6M)
(63.7M)
(61.9M)
(67.5M)
(60.2M)
(61.1M)
(56.1M)
(75.7M)
(48.4M)
(45.6M)
(44.1M)
83M
54.1M
-139M
107.2M
96M
80.6M
121.8M
123.9M
127.9M
121.9M
115.8M
115.2M
105.6M
116M
57.4M
105.4M
105.2M
80.2M
52.9M
78.7M
PRE-TAX INCOME
(219.2M)
(214.8M)
(206.5M)
(86.9M)
(83.2M)
(115.6M)
(123.6M)
(123.1M)
(117.8M)
(108.9M)
(107.6M)
(106.1M)
(120.4M)
(143.2M)
(178.1M)
(204.5M)
(236.1M)
(276.6M)
(305.1M)
(283.9M)
180.3M
162.1M
153.3M
192.6M
175M
189.3M
206.4M
198.8M
195.4M
192.2M
189.8M
184.1M
178.2M
184.9M
168.7M
169.6M
176.6M
134.2M
106.4M
127M
(44.8M)
(46.6M)
(51M)
(45.3M)
(44.4M)
(27.3M)
(27.3M)
(22.4M)
(21.4M)
(22.2M)
(20.7M)
(20.9M)
(21.9M)
(25.5M)
(66.1M)
(28.3M)
(18M)
(33.6M)
(32.1M)
(29.3M)
83M
54.1M
-139M
107.2M
96M
80.6M
120.7M
123.9M
127.9M
121.9M
115.8M
115.2M
105.6M
116M
57.4M
105.4M
105.2M
80.2M
52.9M
78.7M
NET INCOME
(15M)
(16.1M)
-37.3M
(22.8M)
(19.9M)
(16.1M)
(26.4M)
(25M)
(43.8M)
(38.4M)
(37.7M)
(37.5M)
(36.2M)
(41.5M)
(18.9M)
(37.5M)
(38.9M)
(29.2M)
(20.6M)
(30.6M)
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

SEC Filings

CFFN - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 251 filings