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Capitol Federal Financial, Inc. reported net income of $64,022 thousand for the nine months ended June 30, 2026, up from $49,212 thousand a year earlier, with diluted EPS rising to $0.51 from $0.38. Net interest income increased to $157,066 thousand, and the net interest margin expanded to 2.25% from 1.92%. The efficiency ratio improved to 52.72% from 58.89%, while the operating expense ratio edged up to 1.25%.
Total assets were $9,662,184 thousand, including loans receivable, net of allowance for credit losses, of $8,166,762 thousand. Deposits were $6,850,705 thousand and borrowings $1,636,246 thousand, reflecting a shift toward deposit funding. Nonaccrual loans totaled $50,855 thousand against an allowance for credit losses of $26,103 thousand, and total delinquent loans remained a small share of the $8,192,865 thousand loan portfolio. Accumulated other comprehensive income declined to $8,079 thousand, mainly from unrealized losses on available-for-sale securities as market yields rose.
State Street Corporation reported beneficial ownership of common stock of Capitol Federal Financial, Inc. on a Schedule 13G dated June 30, 2026. State Street reported beneficial ownership of 6,389,952 shares of common stock, representing 5% of the class.
State Street reported no sole voting or dispositive power, with shared voting power over 970,576 shares and shared dispositive power over all 6,389,952 shares
Capitol Federal Financial reported solid third‑quarter fiscal 2026 results for the quarter ended June 30, 2026, with net income of $23.6 million and basic and diluted EPS of $0.19. Net interest income rose to $53.5 million, and net interest margin expanded to 2.31% from 2.24% in the prior quarter, helped by lower Federal Home Loan Bank borrowings and growth in higher‑yielding commercial loans.
Total assets were $9.66 billion and stockholders’ equity $1.02 billion, with a tangible book value of $8.04 per share. Commercial loans grew to $2.47 billion (30% of the portfolio), while one‑ to four‑family loans declined to $5.60 billion as cash flows were redeployed into commercial lending. Asset quality remained strong, with non‑performing assets at 0.53% of total assets. The company emphasized stockholder returns, paying $10.6 million in dividends during the quarter at $0.085 per share and repurchasing 1,837,832 shares at an average price of $7.73, as part of 6.37 million shares repurchased for $45.9 million in the first nine months of fiscal 2026.
Capitol Federal Financial, Inc. reported stronger results for the six months ended March 31, 2026, with net income of $40.5 million, or $0.32 per share, compared with $30.8 million, or $0.24 per share, a year earlier. The improvement came mainly from higher net interest income.
The net interest margin widened to 2.22% from 1.89%, driven largely by growth in the higher-yielding commercial loan portfolio. The efficiency ratio improved to 53.05% from 59.23%, showing better revenue relative to operating costs, although the operating expense ratio ticked up to 1.24%.
Total loans were $8.11 billion, up modestly as a $201.8 million rise in commercial loans offset a $196.8 million decline in one- to four-family mortgages. Asset quality remained solid: loans 30–89 days delinquent were 0.15% of total loans and loans 90+ days delinquent or in foreclosure were 0.17%. The allowance for credit losses increased to $26.6 million, reflecting model assumptions and a specific commercial real estate relationship, but overall credit metrics stayed stable.
HoldCo Opportunities Fund V, L.P. and affiliated entities filed a Schedule 13D on Capitol Federal Financial, Inc., disclosing beneficial ownership of 6,466,059 common shares, or 5.1% of the company. The fund acquired these shares for approximately $37,620,838, using working capital, and may hold them in margin accounts.
The reporting group believes Capitol Federal’s stock was undervalued when purchased and views it as an attractive investment. They are already in discussions with the company’s management and board about ways to enhance shareholder value and may propose changes to capitalization, ownership structure, board composition, or potential business combinations or dispositions.
Capitol Federal Financial Inc Schedule 13G: Vanguard Portfolio Management reports beneficial ownership of 6,776,611 shares of common stock, representing 5.21% of the class as reported. The filing states Vanguard Portfolio Management exercises sole dispositive power over the 6,776,611 shares and sole voting power over 89,097 shares.
Capitol Federal Financial, Inc. reported solid second quarter fiscal 2026 results, with net income of $20.1 million, or $0.16 per share. Net interest income rose to $52.3 million and net interest margin improved to 2.24% from 2.19% in the prior quarter, helped by lower deposit and borrowing costs.
For the six months ended March 31, 2026, net income increased to $40.5 million from $30.8 million, as margin expanded to 2.22% from 1.89%. Total assets were $9.83 billion, with commercial loans growing to $2.32 billion and deposits to $6.92 billion, while borrowings declined.
The company continued returning capital, paying $26.9 million in dividends, including a special $0.040 per share payout, and repurchasing 5.46 million shares for $38.7 million through April 22, 2026. Credit costs increased due to a $4.0 million specific valuation allowance on a nonaccrual commercial lending relationship, but overall asset quality metrics and capital ratios remained strong.
Capitol Federal Financial Inc: Dimensional Fund Advisors reports beneficial ownership of 6,790,130 shares of Common Stock, representing 5.2% of the class as of 03/31/2026. The filing states Dimensional has sole voting power for 6,628,707 shares and disclaims beneficial ownership, noting the shares are owned by managed Funds.
The Vanguard Group reports it beneficially owns 0 shares (0%) of Capitol Federal Financial, Inc. common stock. The filing states an internal realignment on January 12, 2026 led certain Vanguard subsidiaries to report holdings separately, and as a result The Vanguard Group, Inc. no longer has beneficial ownership of those subsidiary-held securities. The Schedule 13G/A lists Amount beneficially owned: 0 and Percent of class: 0%. The filing is signed by Ashley Grim, Head of Global Fund Administration, dated 03/26/2026.
Capitol Federal Financial, Inc. reported net income of $20.3 million, or $0.16 per share, for the quarter ended December 31, 2025, up from $15.4 million, or $0.12 per share, a year earlier. The net interest margin rose to 2.19% from 1.86%, driven mainly by growth in higher-yielding commercial loans. Total loans reached $8.18 billion, with commercial balances increasing and one- to four-family mortgages declining as repayments fund commercial expansion. Deposits grew to $6.76 billion, while borrowings fell to $1.83 billion as excess liquidity was used to repay Federal Home Loan Bank advances. Asset quality remained strong, with loans 30–89 days delinquent at 0.24% of total loans and loans 90 days or more delinquent or in foreclosure at 0.10%. The Bank’s community bank leverage ratio was 9.5%, and stockholders’ equity was $1.04 billion, reflecting dividends of $0.085 per share and repurchases of 2.38 million shares during the quarter.