Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc.

7.70
EUR
-0.10
(-1.28%)
0.56EPS
12.84P/E
903.22MMarket Cap
Oct 28Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.33
1.42
1.47
1.54
1.57
1.58
1.63
1.48
1.43
1.55
-0.16
1.25
1.51
1.76
Basic EPS, GAAP
0.47
0.55
0.57
0.62
0.62
0.73
0.68
0.46
0.56
0.61
-0.76
0.29
0.52
0.64
Free Cash Flow per Basic Share
0.57
0.6
0.55
0.52
0.56
0.83
0.5
0.56
0.48
0.67
0.31
0.18
0.38
0.56
Dividend per Share
1.01
0.98
0.84
0.83
0.87
0.87
0.97
0.67
0.86
0.75
0.62
0.34
0.34
0.38
Book Value per Share
10.95
10.5
10.24
10.05
9.82
9.77
9.6
9.39
9.08
8
7.78
7.87
8.01
8.2
Tangible Book Value per Share
10.95
10.5
10.24
10.05
9.82
9.77
9.6
9.39
9.08
8
7.78
7.87
8.01
8.2
Basic Weighted Avg Shares
146
141
137
134
135
136
139
139
137
137
134
131
131
128
Sales/Revenue/Turnover
194
199
201
206
212
215
226
206
196
213
-21
165
198
226
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
6
7
7
8
9
11
11
11
11
10
9
8
7
Net Income, GAAP
69
78
78
83
84
99
94
65
76
84
-102
38
68
83
Effective Tax Rate (%)
34.32
32.53
32.54
31.53
34.23
20.16
21.89
19.96
20.77
21.22
- -
29.75
18.06
19.24
Profit Margin (%)
35.75
38.97
38.87
40.52
39.63
45.97
41.72
31.32
38.9
39.72
486.94
23.09
34.32
36.58
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,514
3,370
3,271
2,372
2,174
2,285
2,240
1,789
1,583
2,132
2,379
2,180
1,951
1,636
Total Equity
1,632
1,493
1,416
1,393
1,368
1,392
1,336
1,285
1,242
1,096
1,044
1,032
1,048
1,021
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.63
1.72
1.64
1.98
2.3
2.74
2.6
1.94
2.58
2.79
- -
1.15
2.19
2.87
Return on Common Equity (%)
4.03
4.97
5.37
5.94
6.09
7.17
6.91
4.92
6.02
7.22
-9.5
3.66
6.54
8.01

Capital Structure

USD

•

in mil. unless spec.
Dec'26
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
1,830
1,707
1,636
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
128
126
125
Market Capitalization
868
869
1,032

Working Capital

USD

•

in mil. unless spec.
Dec'26
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,062
1,137
916
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-2.9%
-3.89%
1.49%
Free Cash Flow
5.97%
7.01%
107.66%
Net Income, GAAP
-26.09%
-49.98%
78.97%
Sales/Revenue/Turnover
-97.1%
-194.82%
20.42%
Total Cash Common Dividend
-6.6%
-10.67%
-0.61%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
30
45
44
45
165
2025
46
48
50
54
198
2026
56
57
60
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.02
0.1
0.07
0.09
0.29
2025
0.12
0.12
0.14
0.14
0.52
2026
0.16
0.16
0.19
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.08
0.08
0.08
0.08
0.34
2025
0.08
0.09
0.08
0.08
0.34
2026
0.08
0.12
0.08
- -
- -

Company Description

CEO
John B. Dicus
Full Time Employees
678
Sector
Finance
Industry
Savings banks
Address
700 South Kansas Avenue Topeka KS United States 66603
IPO Date
Dec 22, 2010
Website
capfed.com
Business
Capitol Federal Financial, Inc. (Nasdaq: CFFN) is a unitary savings and loan holding company for Capitol Federal Savings Bank, a federally chartered savings bank that provides a full range of retail banking products and services to consumers and businesses primarily in the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, Salina, Kansas, and greater Kansas City; founded in 1893 and headquartered in Topeka, Kansas, the bank offers deposit products including checking accounts, savings accounts, money market accounts, interest-bearing and non-interest-bearing demand deposits, certificates of deposit, individual retirement accounts and other retirement accounts; lending products and services such as one- to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction loans, home equity loans, consumer loans, student loans and mortgage loans including conventional fixed-rate mortgages, adjustable-rate mortgages, VA loans, purchase plus improvement loans, construction loans and Home-at-Last loans; brokerage services and trust management services; business banking solutions encompassing cash flow optimization, payment processing and security enhancements; and digital banking options like online banking, mobile banking and eStatements. The company completed the acquisition of Capital City Bancshares, Inc. and its subsidiary Capital City Bank in recent years to expand product and service offerings, diversify asset and deposit bases with commercial loan portfolio growth from $319.1 million to $2.12 billion and non-retail deposits from $194.8 million to $508.2 million, and enhance revenue opportunities; executed a securities portfolio restructuring in October 2023 by selling $1.30 billion of low-yield securities, purchasing $632.0 million of higher-yield securities and repaying $500.0 million of Bank Term Funding debt, resulting in a net interest margin increase of approximately 60 basis points in fiscal year 2024 and further improvement in fiscal year 2025; and continues strategic shifts toward commercial lending with $136.5 million in commercial real estate loan commitments as of March 31, 2025, alongside ongoing branch operations through 46 locations including two in-store branches.

Company News

  • Capitol Federal (NASDAQ: CFFN) sets January 26 annual meeting date

  • CAPITOL FEDERAL FINANCIAL, INC.® ANNOUNCES ANNUAL STOCKHOLDERS MEETING DATE

  • Capitol Federal Financial: Margin Expansion Supports The Bull Case

  • Bank of America Corp DE Acquires 889,564 Shares of Capitol Federal Financial $CFFN

  • CAPITOL FEDERAL FINANCIAL, INC.® APPOINTS WILLIAM SKROBACZ JR.

  • BlackRock Inc. Makes New Investment in Capitol Federal Financial $CFFN

  • BlackRock Inc. Makes New Investment in Capitol Federal Financial $CFFN

  • 5 Dividend Stocks Paying Out This Month – But There's a Catch

  • Fifth Third Bancorp Has $465,000 Stock Position in Capitol Federal Financial $CFFN

  • CAPITOL FEDERAL FINANCIAL, INC.® REPORTS THIRD QUARTER FISCAL YEAR 2026 RESULTS

  • CAPITOL FEDERAL FINANCIAL, INC.® ANNOUNCES QUARTERLY DIVIDEND AND STOCK BUYBACK UPDATE

  • Capitol Federal Financial Isn't Perfect, But It's Good Enough

  • All You Need to Know About Capitol Federal (CFFN) Rating Upgrade to Buy

  • The Valuation Remains Compelling For Capitol Federal Financial

  • Capitol Federal Financial (CFFN) Misses Q2 Earnings and Revenue Estimates

  • CAPITOL FEDERAL FINANCIAL, INC.® REPORTS SECOND QUARTER FISCAL YEAR 2026 RESULTS

  • CAPITOL FEDERAL FINANCIAL, INC.® ANNOUNCES QUARTERLY DIVIDEND AND STOCK BUYBACK UPDATE

  • Citizens Community Bancorp, Inc. (CZWI) Beats Q1 Earnings and Revenue Estimates

  • Buy 8 S&P 600 Small-Cap 'Safer' April DiviDogs

  • JPMorgan Chase & Co. Reduces Stock Position in Capitol Federal Financial $CFFN