Capitol Federal Financial, Inc. (CFFN) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CFFN SEC filings page.
Capitol Federal Financial, Inc. (CFFN) reported $229.2M in revenue over the twelve months to Jun 30, 2026, up 19.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FY2025 shows a bank earning recovery with cash broadly following profit, but operating leverage remains high relative to its equity base.
Net income recovered from$38.0M in FY2024 to$68.0M in FY2025, while ROA improved from0.4% to0.7% , indicating recovery rather than merely a larger balance sheet. Operating cash flow reached$55.0M and free cash flow$49.8M , so reported earnings continued to convert into cash instead of existing mainly as accruals.
The balance sheet is structurally leveraged: debt-to-equity was 8.3x in FY2025 while ROA was only
Capital returned to shareholders absorbed most internally generated cash: free cash flow of
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Capitol Federal Financial, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Capitol Federal Financial, Inc. earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.4% the prior year. Earnings ranks banks on that return over three years, and Capitol Federal Financial, Inc. scores 21/100 among other banks.
Capitol Federal Financial, Inc. reported revenue of $201.0M in fiscal year 2025, against $167.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Capitol Federal Financial, Inc. scores 98/100 among other banks.
Capitol Federal Financial, Inc. funded 10.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.0B of equity against $9.8B of assets. Capital ranks banks on that cushion, and Capitol Federal Financial, Inc. scores 40/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Capitol Federal Financial, Inc. scores 3/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Capitol Federal Financial, Inc. scores 94/100 on it among other banks.
Capitol Federal Financial, Inc. reported net income of $68.0M in fiscal year 2025, against $38.0M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Capitol Federal Financial, Inc. scores 5/100 among other banks.
Capitol Federal Financial, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Capitol Federal Financial, Inc. generates $0.81 in operating cash flow ($55.0M OCF vs $68.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Capitol Federal Financial, Inc. generated $60.2M in revenue in Q3 2026. This represents an increase of 18.5% from the same quarter a year earlier. Against the prior quarter it is up 4.2%.
Capitol Federal Financial, Inc. reported $23.6M in net income in Q3 2026. This represents an increase of 28.2% from the same quarter a year earlier. Against the prior quarter it is up 17.0%.
Capitol Federal Financial, Inc. earned $0.19 per diluted share (EPS) in Q3 2026. This represents an increase of 35.7% from the same quarter a year earlier. Against the prior quarter it is up 18.8%.
Not reported for Q3 2026.
Cash & Balance Sheet
Capitol Federal Financial, Inc. generated $15.7M in free cash flow in Q3 2026, representing cash available after capex. This represents an increase of 45.7% from the same quarter a year earlier. Against the prior quarter it is down 22.2%.
Capitol Federal Financial, Inc. held $136.1M in cash as of Q3 2026; long-term debt is not reported for that period.
Capitol Federal Financial, Inc. paid $0.09 per share in dividends in Q3 2026. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 32.0%.
Margins & Returns
Capitol Federal Financial, Inc.'s net profit margin was 39.2% in Q3 2026, showing the share of revenue converted to profit. This is up 3.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.3 percentage points.
Capitol Federal Financial, Inc.'s ROE was 2.3% in Q3 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
Capitol Federal Financial, Inc. spent $14.2M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 9.9%.
Capitol Federal Financial, Inc. invested $1.8M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 6.8% from the same quarter a year earlier. Against the prior quarter it is up 34.7%.
Not reported for Q3 2026.
CFFN Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $60.2M+18.5% | $57.7M+18.3% | $56.8M+21.0% | $54.6M+19.7% | $50.7M+12.7% | $48.8M+6.2% | $46.9M+52.8% | $45.6M |
| SG&A Expenses | $16.9M+10.3% | $15.8M+6.0% | $15.7M+10.6% | $15.9M+21.8% | $15.3M+14.8% | $14.9M+15.9% | $14.2M+9.5% | $13.1M |
| Interest Expense | $51.6M-4.8% | $52.3M-3.8% | $54.7M-1.3% | $55.3M-1.4% | $54.2M-0.8% | $54.3M+4.6% | $55.4M+6.3% | $56.0M |
| Income Tax | $5.7M+74.5% | $4.9M+27.9% | $4.9M+33.9% | $4.2M-40.9% | $3.3M-45.5% | $3.9M+11.5% | $3.7M+872.0% | $7.2M |
| Net Income | $23.6M+28.2% | $20.1M+30.8% | $20.3M+31.6% | $18.8M+56.0% | $18.4M+90.5% | $15.4M+11.9% | $15.4M+506.8% | $12.1M |
| EPS (Basic) | $0.19+35.7% | $0.16+33.3% | $0.16+33.3% | $0.14+55.6% | $0.14+100.0% | $0.12+9.1% | $0.12+500.0% | $0.09+108.6% |
| EPS (Diluted) | $0.19+35.7% | $0.16+33.3% | $0.16+33.3% | $0.14+55.6% | $0.14+100.0% | $0.12+9.1% | $0.12+500.0% | $0.09+108.6% |
| Diluted Shares (Avg) | 124M-4.7% | 127M-2.6% | 129M-0.8% | N/A | 130M+0.2% | 130M-0.4% | 130M-1.8% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
CFFN Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $9.7B-0.3% | $9.8B+1.1% | $9.8B+2.5% | $9.8B+2.6% | $9.7B+0.9% | $9.7B0.0% | $9.5B-0.4% | $9.5B-6.4% |
| Cash & Equivalents | $136.1M-22.2% | $330.9M-2.8% | $232.6M+36.6% | $252.4M+16.2% | $175.0M-44.9% | $340.4M-23.3% | $170.3M-46.8% | $217.3M-11.5% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | N/A | N/A | N/A | $9.3M0.0% | N/A | N/A | N/A | $9.3M0.0% |
| Total Liabilities | $8.6B-0.1% | $8.8B+1.4% | $8.7B+2.7% | $8.7B+2.8% | $8.6B+0.8% | $8.7B-0.2% | $8.5B-0.4% | $8.5B-7.0% |
| Total Equity | $1.0B-2.4% | $1.0B-1.1% | $1.0B+1.4% | $1.0B+1.5% | $1.0B+2.5% | $1.0B+1.2% | $1.0B-0.7% | $1.0B-1.1% |
| Retained Earnings | -$60.8M+36.1% | -$73.8M+27.9% | -$78.0M+26.9% | -$87.3M+21.4% | -$95.1M+15.2% | -$102.4M+7.5% | -$106.7M+5.8% | -$111.1M-6.3% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
CFFN Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $17.4M+40.5% | $21.4M+38.3% | $17.4M+211.0% | $21.5M+796.3% | $12.4M-35.1% | $15.5M-24.4% | $5.6M+205.1% | -$3.1M-123.0% |
| Stock-Based Compensation | N/A | N/A | $99K-2.0% | N/A | N/A | N/A | $101K+16.1% | N/A |
| Capital Expenditures | $1.8M+6.8% | $1.3M+72.2% | $1.6M+39.6% | $1.7M-7.0% | $1.6M-38.6% | $756K-48.6% | $1.2M-8.6% | $1.8M-5.7% |
| Free Cash Flow | $15.7M+45.7% | $20.1M+36.6% | $15.8M+255.4% | $19.9M+508.3% | $10.8M-34.5% | $14.7M-22.5% | $4.5M+167.6% | -$4.9M-142.0% |
| Investing Cash Flow | -$25.6M+81.4% | $37.0M+540.4% | -$19.4M+70.5% | $5.2M+525.4% | -$137.6M-213.3% | -$8.4M-98.8% | -$65.8M-109.7% | -$1.2M-102.9% |
| Financing Cash Flow | -$186.7M-364.4% | $39.9M-75.5% | -$17.9M-235.6% | $50.7M+152.7% | -$40.2M+60.1% | $163.0M+52.5% | $13.2M+102.2% | -$96.2M+31.1% |
| Dividends Paid | $10.6M-4.5% | $15.9M+43.8% | $11.0M-0.4% | $11.1M+0.2% | $11.1M+0.2% | $11.1M-0.6% | $11.1M-2.2% | $11.0M-2.5% |
| Share Buybacks | $14.2M | $15.8M | $16.0M | $3.9M+388600.0% | $0 | $0-100.0% | $0-100.0% | -$1K-99.9% |
Not reported in any period shown, so not listed: Depreciation & Amortization.
CFFN Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 39.2%+3.0pp | 34.9%+3.3pp | 35.8%+2.9pp | 34.5%+8.0pp | 36.2%+14.8pp | 31.6%+1.6pp | 32.9%+24.6pp | 26.4% |
| Return on Equity | 2.3%+0.5pp | 2.0%+0.5pp | 1.9%+0.5pp | 1.8%+0.6pp | 1.8%+0.8pp | 1.5%+0.1pp | 1.5%+1.3pp | 1.2% |
| Return on Assets | 0.2%0.0pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.2%+0.1pp | 0.2%0.0pp | 0.2%+0.1pp | 0.1% |
| Debt-to-Equity | 8.46+0.2x | 8.58+0.2x | 8.39+0.1x | 8.33+0.1x | 8.27-0.1x | 8.37-0.1x | 8.290.0x | 8.23-0.5x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x | 0.00 |
| FCF Margin | 26.1%+4.9pp | 34.9%+4.7pp | 27.9%+18.4pp | 36.4%+47.1pp | 21.2%-15.3pp | 30.2%-11.2pp | 9.5%+31.0pp | -10.7% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Capitol Federal Financial, Inc. CFFN | FY2025 | $201.0M | $68.0M | 33.8% | $1.0B | 44/100 |
| Amerant Bancorp Inc. AMTB | FY2025 | $439.3M | $52.4M | 11.9% | $1.1B | 21/100 |
| HBT Financial, Inc. HBT | FY2025 | $237.1M | $77.0M | 32.5% | $1.3B | 55/100 |
| Burke & Herbert Financial Services Corp. BHRB | FY2025 | $342.0M | $117.3M | 34.3% | $1.4B | 44/100 |
| Southside Bancshares, Inc. SBSI | FY2025 | $237.0M | $69.2M | 29.2% | $897.2M | 52/100 |
Where Capitol Federal Financial, Inc. Ranks
Frequently Asked Questions
What is Capitol Federal Financial, Inc.'s annual revenue?
Capitol Federal Financial, Inc. (CFFN) reported $201.0M in total revenue for fiscal year 2025. This represents a 20.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Capitol Federal Financial, Inc.'s revenue growing?
Capitol Federal Financial, Inc. (CFFN) revenue grew by 20.2% year-over-year, from $167.3M to $201.0M in fiscal year 2025.
Is Capitol Federal Financial, Inc. profitable?
Yes, Capitol Federal Financial, Inc. (CFFN) reported a net income of $68.0M in fiscal year 2025, with a net profit margin of 33.8%.
What is Capitol Federal Financial, Inc.'s net profit margin?
Capitol Federal Financial, Inc. (CFFN) had a net profit margin of 33.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Capitol Federal Financial, Inc. pay dividends?
Yes, Capitol Federal Financial, Inc. (CFFN) paid $0.34 per share in dividends during fiscal year 2025.
What is Capitol Federal Financial, Inc.'s return on equity (ROE)?
Capitol Federal Financial, Inc. (CFFN) has a return on equity of 6.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Capitol Federal Financial, Inc.'s free cash flow?
Capitol Federal Financial, Inc. (CFFN) generated $49.8M in free cash flow during fiscal year 2025. This represents a 107.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Capitol Federal Financial, Inc.'s operating cash flow?
Capitol Federal Financial, Inc. (CFFN) generated $55.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Capitol Federal Financial, Inc.'s total assets?
Capitol Federal Financial, Inc. (CFFN) had $9.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Capitol Federal Financial, Inc.'s capital expenditures?
Capitol Federal Financial, Inc. (CFFN) invested $5.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Capitol Federal Financial, Inc.'s debt-to-equity ratio?
Capitol Federal Financial, Inc. (CFFN) had a debt-to-equity ratio of 8.33 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Capitol Federal Financial, Inc.'s return on assets (ROA)?
Capitol Federal Financial, Inc. (CFFN) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Capitol Federal Financial, Inc.'s P/E ratio?
Capitol Federal Financial, Inc. (CFFN) trades at 12.6x earnings, its market capitalization divided by net income of $82.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.0B as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Capitol Federal Financial, Inc.'s price-to-sales ratio?
Capitol Federal Financial, Inc. (CFFN) trades at 4.6x sales, its market capitalization divided by revenue of $229.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.0B as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Capitol Federal Financial, Inc.'s Piotroski F-Score?
Capitol Federal Financial, Inc. (CFFN) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Capitol Federal Financial, Inc.'s earnings high quality?
Capitol Federal Financial, Inc. (CFFN) has an earnings quality ratio of 0.81x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Capitol Federal Financial, Inc.?
Capitol Federal Financial, Inc. (CFFN) scores 44 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.