Capitol Federal Financial (CFFN) Financials

Capitol Federal Financial (CFFN) has a multi-year data set in the four most recent years of quarterly reports. Here are the key takeaways focused on how the company has trended over the last four years, based on cash flow, income statement, and balance sheet data. Items are grouped by potential impact: positive first, then neutral, then negative.

• Net income trend improving in early 2026. Consolidated net income in Q1 2026 was 20,304,000, up from the mid-teens in many prior quarters of 2023–2025, signaling an improving profitability baseline.
• Revenue continuing to rise into 2026. Total revenue for Q1 2026 reached 56,796,000, ahead of prior year levels and continuing a recovery pattern seen across 2024–2025.
• Net interest income remains the key earnings driver. Net interest income in Q1 2026 was 51,317,000, reinforcing the core earnings engine from interest income minus interest expense.
• Deposit growth provides funding headroom. Net change in deposits in Q1 2026 was 167,184,000, indicating strong core funding and liquidity support.
• Positive quarterly earnings per share. Basic and diluted earnings per share were both 0.16 in Q1 2026, reflecting ongoing profitability per share.
• Operating cash flow remains positive and meaningful. Net cash from continuing operating activities was 17,443,000 in Q1 2026, with ongoing positive cash generation supporting liquidity.
• Dividends per share remain stable. Cash dividends per share are 0.085, indicating a steady return framework for shareholders.
• Balance sheet capitalization remains solid. Total equity around 1.041B and total assets near 9.78B in Q1 2026 point to a well-capitalized balance sheet with liquidity to support ongoing operations.

• Cost structure relatively stable across quarters. Non-interest expenses have hovered in a narrow band (roughly 27–31M per quarter) over the period, suggesting a steady cost framework without dramatic overhead swings.
• Provision for credit losses generally modest. Provision for credit losses tends to run in the low single-digit millions (often under 2M per quarter), indicating cautious credit risk management within a stable loan environment.
• Operating metrics show modest balance movement. Changes in operating assets and liabilities and other working-capital movements tend to be modest quarter-to-quarter, indicating a fairly stable operating cycle.

• Significant cash flow outflows in some quarters, weighing on cash balance. The net change in cash and equivalents has been negative in several periods, e.g., -165,424,000 in Q4 2025 and -100,864,000 in Q3 2025, underscoring outsized investing/financing cash outflows in those quarters.
• Financing activities often show net outflows. Net cash from financing activities was negative in several quarters (e.g., -40,200,000 in some periods and -17,876,000 in Q1 2026), reflecting debt issuance/repayment and dividend payments that reduce cash available from financing.
• Investing activities can be heavy on outflows. Purchase of investment securities and other investing outflows have been sizable in multiple quarters, such as 66–90M in various quarters, which can pressure near-term cash despite aggregate profitability.