Capitol Federal Financial, Inc.
CFFN Nasdaq· Savings Institution, Federally Chartered
Last close · Oct 26, 2026
$8.44
KIRA · Stoqly’s AI analyst, in plain words
- Capitol Federal Financial, Inc. had $16.3M of revenue in fiscal 2025, up 6.5% on the year before. Over five years, revenue changed +1.9% a year on average.
- Capitol Federal Financial, Inc. made $68.0M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −2.1% a year.
- Capitol Federal Financial, Inc. returned $48.1M to shareholders in fiscal 2025, 97% of free cash flow. The diluted share count fell 0.5%.
- It earned 6.5% on shareholders’ money. Running costs took 719.4% of revenue (the efficiency ratio; lower is better).
Market cap
$1.0B
P/E
13.0x
Revenue
$16.3M
Net income
$68.0M
Return on equity
6.5%
Efficiency ratio
719.4%
Capitol Federal Financial, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+6.5%
Yes. Sales grew 6.5% last year.
Does it make a profit?
417.3%
Yes. It keeps 417.3% of every sale as profit.
How lean are its costs?
719.4%
Costly. Running costs take 719.4% of revenue.
How much does it earn on its capital?
6.5%
Low. It earns 6.5% a year on shareholders’ money.
How is the share priced?
13.0x
One share costs 13.0 times its yearly profit per share.
What Capitol Federal Financial, Inc. does
No business description yet.
- Fiscal year ends
- September 30, 2025
- Latest annual report
- 10-K · Nov 26, 2025
- Legal name
- Capitol Federal Financial, Inc.
- CIK
- 0001490906
Capitol Federal Financial, Inc. · CFFN
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $16.5M | $18.1M | $17.6M | $15.3M | $16.3M |
| Revenue growth | 11.5% | 9.7% | −2.8% | −13.1% | 6.5% |
| Net interest income | $175M | $193M | $153M | $162M | $180M |
| Net income | $76.1M | $84.5M | −$102M | $38.0M | $68.0M |
| Net margin | 461.1% | 466.6% | −577.6% | 248.4% | 417.3% |
| Diluted EPS | $0.56 | $0.62 | −$0.76 | $0.29 | $0.52 |
| Cash | |||||
| Cash from operations | $74.5M | $97.3M | $47.5M | $31.2M | $55.0M |
| Capital expenditure | $9.4M | $5.6M | $6.3M | $7.2M | $5.2M |
| Free cash flow | $65.1M | $91.7M | $41.3M | $24.0M | $49.8M |
| FCF margin | 394.3% | 506.9% | 234.4% | 156.9% | 305.8% |
| Dividends paid | $118M | $103M | $83.2M | $44.5M | $44.3M |
| Share buybacks | $4.6M | $0.0M | $23.5M | $19.4M | $3.9M |
| Share count change | −1.7% | 0.2% | −1.6% | −2.2% | −0.5% |
| Debt and strength | |||||
| Cash and short-term investments | $42.3M | $49.2M | $246M | $217M | $252M |
| Loans, net | $7.1B | $7.5B | $8.0B | $7.9B | $8.1B |
| Shareholders' equity | $1.2B | $1.1B | $1.0B | $1.0B | $1.0B |
| Returns and quality | |||||
| Return on equity | 6.0% | 7.2% | −9.5% | 3.7% | 6.5% |
| Return on tangible equity | 6.2% | 7.8% | −9.8% | 3.7% | 6.5% |
| Efficiency ratio | 700.4% | 623.5% | 647.4% | 731.7% | 719.4% |
Insiders bought, 12 months
$0.1M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Capitol Federal Financial, Inc. · CFFN
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $8.44 a share, the company is worth $1.0B: 13.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001490906). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.