Capitol Federal Financial, Inc. CFFN

Financials SIC 6035 - Savings Institution, Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived Nasdaq

The Company is a Maryland corporation with its common stock traded on the Global Select tier of the NASDAQ Stock Market. The Bank is a wholly-owned subsidiary of the Company and is a federally chartered and insured savings bank headquartered in Topeka, Kansas. The Bank continues to transition from a retail oriented financial institution to one with an expanded focus on commercial customers by strategically growing all aspects of commercial banking through investment in technology, people, products, and services.

We attract deposits primarily from the general public and from businesses, and invest those funds primarily in commercial loans, either secured by real estate or for commercial and industrial purposes, and in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences. The Bank is active in commercial lending markets even when the lending opportunity is outside of the Bank's local footprint. We also participate with other lenders in commercial loans, and have previously purchased loans from correspondent lenders secured by mortgages on one- to four-family residences but we suspended that line of business in June 2024. The Bank invests in certain investment securities and mortgage-backed securities ("MBS"). The Bank funds our lending and investing activities from deposits and Federal Home Loan Bank of Topeka ("FHLB") borrowings.

Last close 8.40 2026-10-23
Market cap $1.06B 2026-06-30 share count
52-week range 5.97 - 9.26

Valuation FY2025 figures against the last close

P/S64.8x
P/E16.2x
P/FCF21.2x
EV/EBITDA—
Dividend yield4.2%
Diluted EPS0.52

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $16.3M$15.3M$17.6M$18.1M$16.5M$14.8M$16.6M$15.6M$15.1M$301.1M
Interest expense $180.3M$162.1M$153.3M$192.6M$83.2M$115.6M$123.6M$123.1M$117.8M$108.9M
Pre-tax income $83.0M$54.1M-$139.0M$107.2M$96.0M$80.6M$120.7M$123.9M$127.9M$121.9M
Income tax $15.0M$16.1M$37.3M$22.8M$19.9M$16.1M$26.4M$25.0M$43.8M$38.4M
Net income $68.0M$38.0M-$101.7M$84.5M$76.1M$64.5M$94.2M$98.9M$84.1M$83.5M
EPS, basic 0.520.29-0.760.620.560.470.680.730.630.63
EPS, diluted 0.520.29-0.760.620.560.470.680.730.630.63
Shares, diluted (wtd. avg.) 130.0M130.7M133.6M135.7M135.5M137.9M137.7M134.8M134.2M133.2M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $252.4M$217.3M$245.6M$49.2M$70.3M$239.7M$253.7M$139.1M$351.7M$281.8M
Property, plant and equipment $89.3M$91.5M$91.5M$94.8M$99.1M$101.9M$96.8M$96.0M$84.8M$83.2M
Goodwill $9.3M$9.3M$9.3M$9.3M$9.3M—————
Other intangibles $223.0K$746.0K$1.5M$2.6M$4.0M—————
Total assets $9.78B$9.53B$10.18B$9.62B$9.63B$9.49B$9.34B$9.45B$9.19B$9.27B
Total liabilities $8.73B$8.50B$9.13B$8.53B$8.39B$8.20B$8.00B$8.06B$7.82B$7.87B
Retained earnings -$87.3M-$111.1M-$104.6M$80.3M$98.9M$143.2M$174.3M$214.6M$234.6M$268.5M
Total equity $1.05B$1.03B$1.04B$1.10B$1.24B$1.28B$1.34B$1.39B$1.37B$1.39B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $55.0M$31.2M$47.5M$97.3M$74.5M$92.9M$80.9M$124.2M$85.4M$85.0M
Stock-based compensation $400.0K$358.0K$327.0K$498.0K$496.0K$570.0K$552.0K$372.0K$506.0K$1.1M
Capital expenditure $5.2M$7.2M$6.3M$5.6M$9.4M$14.7M$11.7M$11.8M$9.1M$14.9M
Investing cash flow -$206.6M$629.1M-$329.1M-$167.6M-$326.7M-$151.3M$233.3M-$21.6M$146.3M$99.5M
Financing cash flow $186.7M-$688.6M$478.0M$49.2M$82.8M$44.4M-$199.6M-$315.2M-$161.8M-$675.3M
Dividends paid $44.3M$44.5M$83.2M$103.1M$117.9M$93.9M$134.9M$118.3M$118.0M$111.8M
Buybacks $3.9M$19.4M$23.5M$0$4.6M$20.8M$0$0$0$0

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001490906-25-000033.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -200M 0 200M 400M Revenue, FY2016: 301.1M Net income, FY2016: 83.5M Revenue, FY2017: 15.1M Net income, FY2017: 84.1M Revenue, FY2018: 15.6M Net income, FY2018: 98.9M Revenue, FY2019: 16.6M Net income, FY2019: 94.2M Revenue, FY2020: 14.8M Net income, FY2020: 64.5M Revenue, FY2021: 16.5M Net income, FY2021: 76.1M Revenue, FY2022: 18.1M Net income, FY2022: 84.5M Revenue, FY2023: 17.6M Net income, FY2023: -101.7M Revenue, FY2024: 15.3M Net income, FY2024: 38M Revenue, FY2025: 16.3M Net income, FY2025: 68M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $301.1M $15.1M $15.6M $16.6M $14.8M $16.5M $18.1M $17.6M $15.3M $16.3M
Gross profit — — — — — — — — — —
Net income $83.5M $84.1M $98.9M $94.2M $64.5M $76.1M $84.5M -$101.7M $38.0M $68.0M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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