Capitol Federal Financial, Inc.
CFFN Nasdaq Savings Institution, Federally Chartered Financials FY2016–FY2025
Last close · Oct 23, 2026
$8.40
0.8%
Revenue
Total sales reported in the income statement.
$16.3M
6.5%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
719.4%
12.2 pts
Net income
Profit after all expenses, interest and tax.
$68.0M
79.0%
Return on equity
Net income as a share of average shareholders' equity.
6.5%
2.9 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
$1.0B
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
12.9x
On $0.65 EPS (TTM)
What Capitol Federal Financial, Inc. does
No business description yet.
- Legal name
- Capitol Federal Financial, Inc.
- Fiscal year ends
- September 30, 2025
- Latest annual report
- 10-K · Nov 26, 2025
- Accession · CIK
- 0001490906-25-000033
0001490906
Revenue and margins
Capitol Federal Financial, Inc. had $16.3M of revenue in fiscal 2025, up 6.5% on the year before.
FY16
Revenue $215M
FY17
Revenue $15.1M
FY18
Revenue $15.6M
FY19
Revenue $16.6M
FY20
Revenue $14.8M
FY21
Revenue $16.5M
FY22
Revenue $18.1M
FY23
Revenue $17.6M
FY24
Revenue $15.3M
FY25
Revenue $16.3M
Q4 '23
Revenue −$157M
Q1 '24
Revenue $30.7M
Q2 '24
Revenue $46.0M
Q3 '24
Revenue $45.0M
Q4 '24
Revenue $45.6M
Q1 '25
Revenue $46.9M
Q2 '25
Revenue $48.8M
Q3 '25
Revenue $50.7M
Q4 '25
Revenue $54.6M
Q1 '26
Revenue $56.8M
Q2 '26
Revenue $57.7M
Q3 '26
Revenue $60.2M
FY16
Net interest share 89.2%
Efficiency ratio 43.8%
FY17
Net interest share 1,298.0%
Efficiency ratio 595.6%
FY18
Net interest share 1,271.3%
Efficiency ratio 619.7%
FY19
Net interest share 1,243.3%
Efficiency ratio 644.2%
FY20
Net interest share 1,279.3%
Efficiency ratio 716.2%
FY21
Net interest share 1,060.6%
Efficiency ratio 700.4%
FY22
Net interest share 1,064.1%
Efficiency ratio 623.5%
FY23
Net interest share 870.9%
Efficiency ratio 647.4%
FY24
Net interest share 1,059.2%
Efficiency ratio 731.7%
FY25
Net interest share 1,106.2%
Efficiency ratio 719.4%
Net interest share
Efficiency ratio
Q4 '23
Net interest share −19.6%
Efficiency ratio −18.0%
Q1 '24
Net interest share 129.0%
Efficiency ratio 92.9%
Q2 '24
Net interest share 89.9%
Efficiency ratio 61.9%
Q3 '24
Net interest share 89.5%
Efficiency ratio 62.1%
Q4 '24
Net interest share 89.5%
Efficiency ratio 59.3%
Q1 '25
Net interest share 90.0%
Efficiency ratio 57.9%
Q2 '25
Net interest share 89.8%
Efficiency ratio 60.5%
Q3 '25
Net interest share 89.6%
Efficiency ratio 58.3%
Q4 '25
Net interest share 89.4%
Efficiency ratio 56.8%
Q1 '26
Net interest share 90.4%
Efficiency ratio 53.7%
Q2 '26
Net interest share 90.5%
Efficiency ratio 52.4%
Q3 '26
Net interest share 88.9%
Efficiency ratio 52.1%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew −2.1% a year. Loss periods are shown in red.
FY16
Net income $83.5M
FY17
Net income $84.1M
FY18
Net income $98.9M
FY19
Net income $94.2M
FY20
Net income $64.5M
FY21
Net income $76.1M
FY22
Net income $84.5M
FY23
Net income −$102M
FY24
Net income $38.0M
FY25
Net income $68.0M
Q4 '23
Net income −$140M
Q1 '24
Net income $2.5M
Q2 '24
Net income $13.8M
Q3 '24
Net income $9.6M
Q4 '24
Net income $12.1M
Q1 '25
Net income $15.4M
Q2 '25
Net income $15.4M
Q3 '25
Net income $18.4M
Q4 '25
Net income $18.8M
Q1 '26
Net income $20.3M
Q2 '26
Net income $20.1M
Q3 '26
Net income $23.6M
FY16
Diluted EPS $0.63
FY17
Diluted EPS $0.63
FY18
Diluted EPS $0.73
FY19
Diluted EPS $0.68
FY20
Diluted EPS $0.47
FY21
Diluted EPS $0.56
FY22
Diluted EPS $0.62
FY23
Diluted EPS −$0.76
FY24
Diluted EPS $0.29
FY25
Diluted EPS $0.52
Q4 '23
Diluted EPS −$1.05
Q1 '24
Diluted EPS $0.02
Q2 '24
Diluted EPS $0.11
Q3 '24
Diluted EPS $0.07
Q4 '24
Diluted EPS $0.09
Q1 '25
Diluted EPS $0.12
Q2 '25
Diluted EPS $0.12
Q3 '25
Diluted EPS $0.14
Q4 '25
Diluted EPS $0.14
Q1 '26
Diluted EPS $0.16
Q2 '26
Diluted EPS $0.16
Q3 '26
Diluted EPS $0.19
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY16
ROE 6.0%
ROTE 6.0%
Efficiency ratio 43.8%
FY17
ROE 6.1%
ROTE 6.1%
Efficiency ratio 595.6%
FY18
ROE 7.2%
ROTE 7.1%
Efficiency ratio 619.7%
FY19
ROE 6.9%
ROTE 7.0%
Efficiency ratio 644.2%
FY20
ROE 4.9%
ROTE 5.0%
Efficiency ratio 716.2%
FY21
ROE 6.0%
ROTE 6.2%
Efficiency ratio 700.4%
FY22
ROE 7.2%
ROTE 7.8%
Efficiency ratio 623.5%
FY23
ROE −9.5%
ROTE −9.8%
Efficiency ratio 647.4%
FY24
ROE 3.7%
ROTE 3.7%
Efficiency ratio 731.7%
FY25
ROE 6.5%
ROTE 6.5%
Efficiency ratio 719.4%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Capitol Federal Financial, Inc. returned $48.1M to shareholders in fiscal 2025, 97% of free cash flow. The diluted share count fell 0.5%.
FY16
Dividends $112M
Buybacks $0.0M
FY17
Dividends $118M
Buybacks $0.0M
FY18
Dividends $118M
Buybacks $0.0M
FY19
Dividends $135M
Buybacks $0.0M
FY20
Dividends $93.9M
Buybacks $20.8M
FY21
Dividends $118M
Buybacks $4.6M
FY22
Dividends $103M
Buybacks $0.0M
FY23
Dividends $83.2M
Buybacks $23.5M
FY24
Dividends $44.5M
Buybacks $19.4M
FY25
Dividends $44.3M
Buybacks $3.9M
Dividends
Buybacks
Q4 '23
Dividends $11.3M
Buybacks $1.3M
Q1 '24
Dividends $11.3M
Buybacks $11.9M
Q2 '24
Dividends $11.1M
Buybacks $7.5M
Q3 '24
Dividends $11.0M
Buybacks $0.0M
Q4 '24
Dividends $11.0M
Buybacks −$0.0M
Q1 '25
Dividends $11.1M
Buybacks $0.0M
Q2 '25
Dividends $11.1M
Buybacks $0.0M
Q3 '25
Dividends $11.1M
Buybacks $0.0M
Q4 '25
Dividends $11.1M
Buybacks $3.9M
Q1 '26
Dividends $11.0M
Buybacks $16.0M
Q2 '26
Dividends $15.9M
Buybacks $15.8M
Q3 '26
Dividends $10.6M
Buybacks $14.2M
Dividends
Buybacks
FY16
Diluted shares 0.13B
FY17
Diluted shares 0.13B
FY18
Diluted shares 0.13B
FY19
Diluted shares 0.14B
FY20
Diluted shares 0.14B
FY21
Diluted shares 0.14B
FY22
Diluted shares 0.14B
FY23
Diluted shares 0.13B
FY24
Diluted shares 0.13B
FY25
Diluted shares 0.13B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY16
Loans $7.0B
Deposits —
FY17
Loans $7.2B
Deposits —
FY18
Loans $7.5B
Deposits —
FY19
Loans $7.4B
Deposits —
FY20
Loans $7.2B
Deposits —
FY21
Loans $7.1B
Deposits —
FY22
Loans $7.5B
Deposits —
FY23
Loans $8.0B
Deposits —
FY24
Loans $7.9B
Deposits —
FY25
Loans $8.1B
Deposits —
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $7.1B | $7.5B | $8.0B | $7.9B | $8.1B |
| Total assets | $9.6B | $9.6B | $10.2B | $9.5B | $9.8B |
| Shareholders' equity | $1.2B | $1.1B | $1.0B | $1.0B | $1.0B |
| Goodwill | $9.3M | $9.3M | $9.3M | $9.3M | $9.3M |
| Intangible assets | $4.0M | $2.6M | $1.5M | $0.7M | $0.2M |
| Provision / loans | −0.1% | −0.1% | 0.1% | 0.0% | 0.0% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $215M | $15.1M | $15.6M | $16.6M | $14.8M | $16.5M | $18.1M | $17.6M | $15.3M | $16.3M |
| Net interest income | $192M | $195M | $199M | $206M | $189M | $175M | $193M | $153M | $162M | $180M |
| Noninterest income | $23.3M | $22.2M | $22.0M | $22.0M | $19.6M | $28.1M | $22.8M | −$171M | $5.2M | $20.7M |
| Noninterest expense | $94.3M | $89.7M | $96.9M | $107M | $106M | $116M | $113M | $114M | $112M | $117M |
| Provision for credit losses | −$0.8M | $0.0M | $0.0M | $0.8M | $22.3M | −$8.5M | −$4.6M | $6.8M | $1.3M | $0.7M |
| Interest expense | $109M | $118M | $123M | $124M | $116M | $83.2M | $86.9M | $207M | — | — |
| Pretax income | $122M | $128M | $124M | $121M | $80.6M | $96.0M | $107M | −$139M | $54.1M | $83.0M |
| Income tax | $38.4M | $43.8M | $25.0M | $26.4M | $16.1M | $19.9M | $22.8M | −$37.3M | $16.1M | $15.0M |
| Net income | $83.5M | $84.1M | $98.9M | $94.2M | $64.5M | $76.1M | $84.5M | −$102M | $38.0M | $68.0M |
| Net income to common | $83.4M | $84.1M | $98.9M | $94.2M | $64.5M | $76.0M | $84.4M | −$102M | $38.0M | $67.9M |
| Diluted EPS | $0.63 | $0.63 | $0.73 | $0.68 | $0.47 | $0.56 | $0.62 | −$0.76 | $0.29 | $0.52 |
| Diluted shares | 0.13B | 0.13B | 0.13B | 0.14B | 0.14B | 0.14B | 0.14B | 0.13B | 0.13B | 0.13B |
| Cash flow | ||||||||||
| Cash from operations | $85.0M | $85.4M | $124M | $80.9M | $92.9M | $74.5M | $97.3M | $47.5M | $31.2M | $55.0M |
| Capital expenditure | $14.9M | $9.1M | $11.8M | $11.7M | $14.7M | $9.4M | $5.6M | $6.3M | $7.2M | $5.2M |
| Free cash flow | $70.1M | $76.3M | $112M | $69.2M | $78.2M | $65.1M | $91.7M | $41.3M | $24.0M | $49.8M |
| Stock-based compensation | $1.1M | $0.5M | $0.4M | $0.6M | $0.6M | $0.5M | $0.5M | $0.3M | $0.4M | $0.4M |
| Share buybacks | $0.0M | $0.0M | $0.0M | $0.0M | $20.8M | $4.6M | $0.0M | $23.5M | $19.4M | $3.9M |
| Dividends paid | $112M | $118M | $118M | $135M | $93.9M | $118M | $103M | $83.2M | $44.5M | $44.3M |
| Dividends and buybacks | $112M | $118M | $118M | $135M | $115M | $122M | $103M | $107M | $64.0M | $48.1M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $282M | $352M | $139M | $220M | $185M | $42.3M | $49.2M | $246M | $217M | $252M |
| Finance lease liabilities | — | — | — | — | — | — | — | — | $1.1M | $1.1M |
| Loans, net | $7.0B | $7.2B | $7.5B | $7.4B | $7.2B | $7.1B | $7.5B | $8.0B | $7.9B | $8.1B |
| Property and equipment, net | $83.2M | $84.8M | $96.0M | $96.8M | $102M | $99.1M | $94.8M | $91.5M | $91.5M | $89.3M |
| Goodwill | — | — | — | — | — | $9.3M | $9.3M | $9.3M | $9.3M | $9.3M |
| Intangible assets | — | — | — | — | — | $4.0M | $2.6M | $1.5M | $0.7M | $0.2M |
| Total assets | $9.3B | $9.2B | $9.4B | $9.3B | $9.5B | $9.6B | $9.6B | $10.2B | $9.5B | $9.8B |
| Total liabilities | $7.9B | $7.8B | $8.1B | $8.0B | $8.2B | $8.4B | $8.5B | $9.1B | $8.5B | $8.7B |
| Preferred stock | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $1.4B | $1.4B | $1.4B | $1.3B | $1.3B | $1.2B | $1.1B | $1.0B | $1.0B | $1.0B |
| Margins | ||||||||||
| Net margin | 38.7% | 558.9% | 632.7% | 567.7% | 436.1% | 461.1% | 466.6% | −577.6% | 248.4% | 417.3% |
| FCF margin | 32.5% | 507.0% | 718.9% | 417.0% | 528.3% | 394.3% | 506.9% | 234.4% | 156.9% | 305.8% |
| Net interest share of revenue | 89.2% | 1,298.0% | 1,271.3% | 1,243.3% | 1,279.3% | 1,060.6% | 1,064.1% | 870.9% | 1,059.2% | 1,106.2% |
| Efficiency ratio | 43.8% | 595.6% | 619.7% | 644.2% | 716.2% | 700.4% | 623.5% | 647.4% | 731.7% | 719.4% |
| Returns | ||||||||||
| Return on equity | 6.0% | 6.1% | 7.2% | 6.9% | 4.9% | 6.0% | 7.2% | −9.5% | 3.7% | 6.5% |
| Return on assets | 0.9% | 0.9% | 1.1% | 1.0% | 0.7% | 0.8% | 0.9% | −1.0% | 0.4% | 0.7% |
| Return on tangible equity | 6.0% | 6.1% | 7.1% | 7.0% | 5.0% | 6.2% | 7.8% | −9.8% | 3.7% | 6.5% |
| Growth | ||||||||||
| Revenue growth | — | −93.0% | 3.9% | 6.2% | −10.8% | 11.5% | 9.7% | −2.8% | −13.1% | 6.5% |
| Net income growth | — | 0.8% | 17.6% | −4.7% | −31.5% | 17.9% | 11.0% | −220.4% | — | 79.0% |
| EPS growth | — | 0.0% | 15.9% | −6.8% | −30.9% | 19.1% | 10.7% | −222.6% | — | 79.3% |
| FCF growth | — | 8.9% | 47.3% | −38.4% | 13.0% | −16.8% | 41.0% | −55.0% | −41.8% | 107.7% |
| Share count change | — | 0.8% | 0.4% | 2.2% | 0.1% | −1.7% | 0.2% | −1.6% | −2.2% | −0.5% |
| Financial health | ||||||||||
| Provision / loans | −0.0% | 0.0% | 0.0% | 0.0% | 0.3% | −0.1% | −0.1% | 0.1% | 0.0% | 0.0% |
| Capital allocation | ||||||||||
| Capex / revenue | 6.9% | 60.6% | 75.2% | 70.7% | 99.6% | 57.0% | 30.7% | 35.7% | 47.0% | 31.9% |
| Stock comp / revenue | 0.5% | 3.4% | 2.4% | 3.3% | 3.9% | 3.0% | 2.8% | 1.9% | 2.3% | 2.5% |
| Payouts / FCF | 159.4% | 154.6% | 105.3% | 194.9% | 146.6% | 188.2% | 112.4% | 258.5% | 266.5% | 96.6% |
| Quality scores | ||||||||||
| Accruals ratio | −0.0% | −0.0% | −0.3% | 0.1% | −0.3% | 0.0% | −0.1% | −1.5% | 0.1% | 0.1% |
Source: SEC EDGAR XBRL filings (CIK 0001490906). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.