Capitol Federal Financial (CFFN) Financials

$8.80 -0.07 (-0.79%)

Closing price 04:00 PM Eastern

Extended Trading

$8.82 +0.01 (+0.17%)

As of 04:20 PM Eastern

Annual Income Statements for Capitol Federal Financial

This table shows Capitol Federal Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024	9/30/2025
Net Income / (Loss) Attributable to Common Shareholders	84	99	94	48	77	84	-102	38	68
Consolidated Net Income / (Loss)	84	99	94	48	76	84	-102	38	68
Net Income / (Loss) Continuing Operations	84	99	94	48	77	84	-102	38	68
Total Pre-Tax Income	128	124	121	81	96	107	-139	54	83
Total Revenue	218	221	228	162	204	215	-18	167	201
Net Interest Income / (Expense)	195	199	206	189	175	193	153	162	180
Total Interest Income	313	322	330	305	258	280	360	377	400
Loans and Leases Interest Income	253	260	284	270	230	229	280	309	333
Investment Securities Interest Income	40	38	40	-	28	33	36	52	59
Deposits and Money Market Investments Interest Income	19	23	5.81	1.18	0.14	18	44	16	8.37
Total Interest Expense	118	123	124	116	83	87	207	215	219
Deposits Interest Expense	43	53	66	68	48	34	82	140	146
Long-Term Debt Interest Expense	69	70	57	48	35	52	124	75	73
Total Non-Interest Income	22	22	22	20	28	23	-171	5.24	21
Other Service Charges	20	6.40	6.40	5.83	5.39	6.09	4.94	4.77	6.08
Net Realized & Unrealized Capital Gains on Investments	-	-	-	-	7.39	0.00	-193	-13	0.00
Other Non-Interest Income	2.23	16	16	-	17	17	18	14	15
Provision for Credit Losses	0.00	0.00	0.75	-	-8.51	-4.63	6.84	1.26	0.75
Total Non-Interest Expense	90	97	107	106	116	113	114	112	117
Salaries and Employee Benefits	43	47	53	53	56	57	51	52	60
Net Occupancy & Equipment Expense	22	25	31	31	32	33	38	34	33
Marketing Expense	4.67	5.03	5.24	4.89	5.13	5.18	4.31	4.26	4.95
Property & Liability Insurance Claims	3.54	3.28	1.17	0.91	2.55	3.02	4.46	6.05	4.32
Other Operating Expenses	16	17	17	7.71	20	15	16	15	15
Income Tax Expense	44	25	26	16	20	23	-37	16	15
Basic Earnings per Share	$0.63	$0.73	$0.68	$0.47	$0.56	$0.62	($0.76)	$0.29	$0.52
Weighted Average Basic Shares Outstanding	-	-	141.50M	138.79M	138.85M	137.49M	135.24M	132.77M	131.81M
Diluted Earnings per Share	$0.63	$0.73	$0.68	$0.47	$0.56	$0.62	($0.76)	$0.29	$0.52
Weighted Average Diluted Shares Outstanding	-	-	141.50M	138.79M	138.85M	137.49M	135.24M	132.77M	131.81M
Weighted Average Basic & Diluted Shares Outstanding	-	-	141.50M	138.79M	138.85M	137.49M	135.24M	132.77M	131.81M
Cash Dividends to Common per Share	$0.88	$0.88	$0.98	$0.68	$0.87	$0.76	$0.62	$0.34	$0.34

This table shows Capitol Federal Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	2.54	14	9.65	12	15	15	18	19	20	20	24
Consolidated Net Income / (Loss)	2.54	14	9.65	12	15	15	18	19	20	20	24
Net Income / (Loss) Continuing Operations	2.54	14	9.65	12	15	15	18	19	20	20	24
Total Pre-Tax Income	2.07	17	16	19	19	19	22	23	25	25	29
Total Revenue	31	46	45	46	47	49	51	55	57	58	60
Net Interest Income / (Expense)	40	41	40	41	42	44	45	49	51	52	53
Total Interest Income	92	93	95	97	98	98	100	104	106	105	105
Loans and Leases Interest Income	76	76	77	80	81	81	83	87	90	89	91
Investment Securities Interest Income	11	13	14	14	14	15	15	15	13	13	13
Deposits and Money Market Investments Interest Income	4.78	4.51	3.88	2.56	1.87	2.73	1.62	2.15	2.77	2.47	1.99
Total Interest Expense	52	52	55	56	55	54	54	55	55	52	52
Deposits Interest Expense	32	33	36	37	37	36	36	37	38	36	36
Long-Term Debt Interest Expense	20	19	18	19	18	18	18	18	17	16	15
Total Non-Interest Income	-8.89	4.64	4.71	4.79	4.69	4.95	5.29	5.79	5.48	5.46	6.67
Other Service Charges	1.01	1.46	1.10	1.20	1.21	0.68	0.78	1.90	1.82	1.11	0.99
Other Non-Interest Income	3.44	3.19	3.61	3.58	3.48	4.27	4.51	3.89	3.66	4.35	5.68
Provision for Credit Losses	0.12	0.30	1.47	-0.64	0.68	0.00	-0.45	0.52	1.11	2.37	-0.43
Total Non-Interest Expense	29	28	28	27	27	30	30	31	30	30	31
Salaries and Employee Benefits	13	13	13	13	14	15	15	16	16	16	17
Net Occupancy & Equipment Expense	8.74	8.44	8.63	8.08	7.88	8.43	8.43	8.35	8.58	8.69	8.16
Marketing Expense	0.99	1.27	0.95	1.05	0.82	0.76	1.45	1.92	1.06	0.65	1.37
Property & Liability Insurance Claims	1.86	1.73	1.35	1.11	1.04	1.10	1.07	1.11	1.11	1.11	1.10
Other Operating Expenses	3.93	4.13	3.71	3.71	3.17	4.32	3.33	3.71	3.98	4.00	3.86
Income Tax Expense	-0.48	3.46	5.96	7.15	3.67	3.85	3.25	4.22	4.91	4.93	5.67
Basic Earnings per Share	$0.02	$0.11	$0.07	$0.09	$0.12	$0.12	$0.14	$0.14	$0.16	$0.16	$0.19
Weighted Average Basic Shares Outstanding	132.35M	130.54M	129.87M	132.77M	129.97M	130.03M	130.08M	131.81M	128.95M	126.63M	124.01M
Diluted Earnings per Share	$0.02	$0.11	$0.07	$0.09	$0.12	$0.12	$0.14	$0.14	$0.16	$0.16	$0.19
Weighted Average Diluted Shares Outstanding	132.35M	130.54M	129.87M	132.77M	129.97M	130.03M	130.08M	131.81M	128.95M	126.63M	124.01M
Weighted Average Basic & Diluted Shares Outstanding	133.73M	132.73M	132.74M	132.77M	132.79M	132.80M	132.82M	131.81M	129.84M	126.77M	125.70M

This table details how cash moves in and out of Capitol Federal Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024	9/30/2025
Net Change in Cash & Equivalents	70	-213	115	-14	-169	-21	196	-28	35
Net Cash From Operating Activities	85	124	81	93	74	97	48	31	55
Net Cash From Continuing Operating Activities	85	124	81	93	74	97	48	31	55
Net Income / (Loss) Continuing Operations	84	99	94	65	76	84	-102	38	68
Consolidated Net Income / (Loss)	84	99	94	65	76	84	-102	38	68
Provision For Loan Losses	0.00	0.00	0.75	22	-8.51	-4.63	6.84	1.26	0.75
Depreciation Expense	7.80	8.46	9.14	9.13	9.37	9.37	9.04	7.93	7.20
Amortization Expense	5.90	4.56	3.57	4.16	9.37	8.14	5.73	-5.88	-1.33
Non-Cash Adjustments to Reconcile Net Income	-1.55	2.71	-5.43	-8.86	-10	-5.72	137	8.18	-3.66
Changes in Operating Assets and Liabilities, net	-11	9.51	-21	1.65	-1.45	5.69	-9.15	-18	-16
Net Cash From Investing Activities	146	-22	233	-151	-327	-168	-329	629	-207
Net Cash From Continuing Investing Activities	146	-22	233	-151	-327	-168	-329	629	-207
Purchase of Property, Leasehold Improvements and Equipment	-9.13	-12	-12	-15	-9.41	-5.56	-6.28	-7.18	-5.20
Purchase of Investment Securities	-650	-727	-479	-816	-948	-789	-875	-1,113	-458
Sale of Property, Leasehold Improvements and Equipment	-	-	-	-	-	-	0.00	0.00	0.04
Sale and/or Maturity of Investments	805	701	724	680	630	627	552	1,749	256
Net Cash From Financing Activities	-162	-315	-200	44	83	49	478	-689	187
Net Cash From Continuing Financing Activities	-162	-315	-200	44	83	49	478	-689	187
Net Change in Deposits	146	-59	-21	610	406	-403	-144	79	461
Issuance of Debt	2,700	17,275	5,519	1,666	1,144	1,454	4,294	350	650
Repayment of Debt	-2,900	-17,414	-5,564	-2,117	-1,352	-907	-3,549	-1,052	-880
Repurchase of Common Equity	-	0.00	0.00	-21	-4.57	0.00	-23	-19	-3.89
Payment of Dividends	-118	-118	-135	-94	-118	-103	-83	-45	-44
Other Financing Activities, Net	10	1.20	1.91	0.67	7.33	7.34	-17	-1.19	3.62
Cash Interest Paid	117	120	124	119	84	84	189	225	218
Cash Income Taxes Paid	38	25	18	13	13	14	5.42	6.02	1.02

This table details how cash moves in and out of Capitol Federal Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Change in Cash & Equivalents	75	123	-126	-101	-47	170	-165	77	-20	98	-195
Net Cash From Operating Activities	-5.33	21	19	-3.09	5.61	16	12	22	17	21	17
Net Cash From Continuing Operating Activities	-5.33	21	19	-3.09	5.61	16	12	22	17	21	17
Net Income / (Loss) Continuing Operations	2.54	14	9.65	12	15	15	18	19	20	20	24
Consolidated Net Income / (Loss)	2.54	14	9.65	12	15	15	18	19	20	20	24
Provision For Loan Losses	0.12	0.30	1.47	-0.64	0.68	-	-0.45	0.52	1.11	2.37	-0.43
Depreciation Expense	2.04	2.04	2.01	1.85	1.85	1.82	1.78	1.76	1.76	1.75	1.76
Amortization Expense	-2.19	-2.41	-1.00	-0.28	-0.47	-0.31	-0.34	-0.33	-1.56	-1.23	-0.92
Non-Cash Adjustments to Reconcile Net Income	4.25	4.63	-2.16	-10	-1.99	-3.69	-1.03	0.50	-1.67	-0.77	-5.62
Changes in Operating Assets and Liabilities, net	-12	2.19	9.14	-5.69	-9.89	2.30	-5.94	0.27	-2.50	-0.83	-0.93
Net Cash From Investing Activities	678	-4.22	-44	-1.23	-66	-8.40	-138	5.22	-19	37	-26
Net Cash From Continuing Investing Activities	678	-4.22	-44	-1.23	-66	-8.40	-138	5.22	-19	37	-26
Purchase of Property, Leasehold Improvements and Equipment	-1.26	-1.47	-2.68	-1.78	-1.15	-0.76	-1.64	-1.65	-1.61	-1.30	-1.75
Purchase of Investment Securities	-645	-214	-165	-88	-119	-59	-189	-90	-66	-4.83	-67
Sale of Property, Leasehold Improvements and Equipment	-	-	-	-	-	-	-	-	-	-	0.00
Sale and/or Maturity of Investments	1,325	211	124	89	55	52	53	97	49	43	43
Net Cash From Financing Activities	-598	107	-101	-96	13	163	-40	51	-18	40	-187
Net Cash From Continuing Financing Activities	-598	107	-101	-96	13	163	-40	51	-18	40	-187
Net Change in Deposits	-30	120	-12	0.32	76	166	59	160	167	166	-74
Issuance of Debt	175	50	50	75	200	150	300	-	50	375	0.10
Repayment of Debt	-683	-72	-110	-187	-216	-171	-372	-121	-171	-498	-71
Repurchase of Common Equity	-12	-7.55	-	0.00	0.00	-	-	-3.89	-16	-16	-14
Payment of Dividends	-11	-11	-11	-11	-11	-11	-11	-11	-11	-16	-11
Other Financing Activities, Net	-38	28	-18	27	-36	29	-16	27	-37	29	-17

This table presents Capitol Federal Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024	9/30/2025
Total Assets	9,450	9,340	9,487	9,631	9,625	10,177	9,528	9,779
Cash and Due from Banks	139	220	185	42	49	246	217	252
Trading Account Securities	1,327	1,205	1,561	2,015	1,563	1,384	856	867
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	96	97	102	99	95	92	91	89
Other Assets	7,888	7,818	7,639	7,475	7,918	8,456	8,363	8,570
Total Liabilities & Shareholders' Equity	9,450	9,340	9,487	9,631	9,625	10,177	9,528	9,779
Total Liabilities	8,058	8,004	8,202	8,389	8,528	9,133	8,495	8,731
Non-Interest Bearing Deposits	5,603	5,582	6,191	6,597	6,195	6,051	6,130	6,591
Interest Bearing Deposits	65	66	66	73	80	63	62	65
Long-Term Debt	2,175	2,240	1,789	1,583	2,132	2,879	2,180	1,951
Other Long-Term Liabilities	104	116	156	136	121	140	124	123
Total Equity & Noncontrolling Interests	1,392	1,336	1,285	1,242	1,096	1,044	1,032	1,048
Total Preferred & Common Equity	1,392	1,336	1,285	1,242	1,096	1,044	1,032	1,048
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,392	1,336	1,285	1,242	1,096	1,044	1,032	1,048
Common Stock	1,209	1,212	1,191	1,191	1,192	1,168	1,148	1,144
Retained Earnings	215	174	143	99	80	-105	-111	-87
Accumulated Other Comprehensive Income / (Loss)	4.34	-15	-17	-16	-146	8.70	22	16
Other Equity Adjustments	-36	-35	-33	-31	-30	-28	-26	-25

This table presents Capitol Federal Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	3/31/2023	6/30/2023	12/31/2023	3/31/2024	6/30/2024	12/31/2024	3/31/2025	6/30/2025	12/31/2025	3/31/2026	6/30/2026
Total Assets	10,086	10,294	9,576	9,721	9,603	9,538	9,718	9,693	9,778	9,829	9,662
Cash and Due from Banks	60	329	320	444	318	170	340	175	233	331	136
Trading Account Securities	1,506	1,445	740	843	802	862	961	956	830	810	784
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	92	92	91	91	92	90	89	89	89	88	88
Other Assets	8,427	8,428	8,424	8,344	8,391	8,416	8,327	8,473	8,627	8,600	8,654
Total Liabilities & Shareholders' Equity	10,086	10,294	9,576	9,721	9,603	9,538	9,718	9,693	9,778	9,829	9,662
Total Liabilities	9,014	9,233	8,542	8,696	8,582	8,511	8,681	8,647	8,737	8,803	8,641
Non-Interest Bearing Deposits	6,144	6,093	6,022	6,142	6,130	6,206	6,373	6,431	6,759	6,924	6,851
Interest Bearing Deposits	60	41	25	53	35	26	55	39	29	58	41
Long-Term Debt	2,697	2,986	2,373	2,351	2,292	2,164	2,143	2,072	1,830	1,707	1,636
Other Long-Term Liabilities	113	113	122	151	126	115	111	105	120	114	113
Total Equity & Noncontrolling Interests	1,072	1,061	1,034	1,025	1,021	1,027	1,037	1,046	1,041	1,026	1,021
Total Preferred & Common Equity	1,072	1,061	1,034	1,025	1,021	1,027	1,037	1,046	1,041	1,026	1,021
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,072	1,061	1,034	1,025	1,021	1,027	1,037	1,046	1,041	1,026	1,021
Common Stock	1,169	1,169	1,156	1,148	1,148	1,148	1,148	1,148	1,128	1,112	1,098
Retained Earnings	50	47	-113	-111	-112	-107	-102	-95	-78	-74	-61
Accumulated Other Comprehensive Income / (Loss)	-119	-127	19	15	11	12	17	18	16	12	8.08
Other Equity Adjustments	-29	-28	-28	-27	-27	-26	-26	-25	-24	-24	-24

This table displays calculated financial ratios and metrics derived from Capitol Federal Financial's official financial filings.

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024	9/30/2025
Growth Metrics	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	1.48%	3.41%	-29.12%	26.21%	5.46%	-108.44%	1,020.12%	20.16%
EBITDA Growth	0.00%	-3.31%	-2.60%	-48.15%	67.68%	7.55%	-199.58%	145.22%	58.30%
EBIT Growth	0.00%	-3.14%	-2.62%	-53.71%	74.05%	10.27%	-229.62%	138.94%	53.45%
NOPAT Growth	0.00%	17.58%	-4.73%	-31.52%	17.88%	11.00%	-215.17%	139.08%	78.97%
Net Income Growth	0.00%	17.58%	-4.73%	-48.63%	57.14%	11.00%	-220.37%	137.39%	78.97%
EPS Growth	0.00%	15.87%	-6.85%	-30.88%	19.15%	10.71%	-222.58%	138.16%	79.31%
Operating Cash Flow Growth	0.00%	45.31%	-34.81%	14.80%	-19.87%	30.66%	-51.15%	-34.39%	76.50%
Free Cash Flow Firm Growth	0.00%	0.00%	105.44%	191.23%	-42.63%	-198.14%	-148.15%	194.64%	-62.45%
Invested Capital Growth	0.00%	0.00%	-2.73%	-14.04%	-8.10%	14.28%	21.51%	-18.13%	-6.64%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-109.35%	574.30%	4.67%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-242.33%	138.16%	4.34%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-293.01%	135.78%	4.84%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-267.06%	135.91%	11.03%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-274.60%	133.21%	11.03%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-276.74%	134.12%	10.64%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	12.51%	-30.07%	-34.68%	80.90%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	19.08%	10.01%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-3.07%	-3.03%	-3.83%
Profitability Metrics	-	-	-	-	-	-	-	-	-
EBITDA Margin	65.09%	62.01%	58.40%	42.72%	56.76%	57.89%	0.00%	33.56%	44.22%
EBIT Margin	58.79%	56.11%	52.84%	34.51%	47.59%	49.76%	0.00%	32.34%	41.30%
Profit (Net Income) Margin	38.67%	44.80%	41.27%	29.91%	37.24%	39.20%	0.00%	22.72%	33.84%
Tax Burden Percent	65.77%	79.84%	78.11%	60.05%	79.23%	78.78%	73.16%	70.25%	81.94%
Interest Burden Percent	100.00%	100.00%	100.00%	144.36%	98.78%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	34.23%	20.16%	21.89%	19.96%	20.77%	21.22%	0.00%	29.75%	18.06%
Return on Invested Capital (ROIC)	0.00%	5.38%	2.60%	1.94%	2.58%	2.79%	0.00%	1.07%	2.19%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	5.38%	2.60%	1.14%	2.58%	2.79%	0.00%	1.07%	2.19%
Return on Net Nonoperating Assets (RNNOA)	0.00%	8.84%	4.31%	1.75%	3.44%	4.43%	0.00%	2.60%	4.35%
Return on Equity (ROE)	0.00%	14.22%	6.91%	3.69%	6.02%	7.22%	-9.50%	3.66%	6.54%
Cash Return on Invested Capital (CROIC)	0.00%	-194.62%	5.37%	17.04%	11.02%	-10.54%	-22.14%	21.01%	9.06%
Operating Return on Assets (OROA)	0.00%	1.31%	1.28%	0.59%	1.02%	1.11%	0.00%	0.55%	0.86%
Return on Assets (ROA)	0.00%	1.05%	1.00%	0.51%	0.80%	0.88%	0.00%	0.39%	0.70%
Return on Common Equity (ROCE)	0.00%	14.22%	6.91%	3.69%	6.02%	7.22%	-9.50%	3.66%	6.54%
Return on Equity Simple (ROE_SIMPLE)	0.00%	7.11%	7.05%	3.77%	6.12%	7.70%	-9.74%	3.68%	6.49%
Net Operating Profit after Tax (NOPAT)	84	99	94	65	76	84	-97	38	68
NOPAT Margin	38.67%	44.80%	41.27%	39.87%	37.24%	39.20%	0.00%	22.72%	33.84%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.80%	0.00%	0.00%	0.18%	0.00%	0.00%
SG&A Expenses to Revenue	32.27%	34.90%	38.99%	54.82%	45.58%	43.85%	0.00%	54.04%	48.96%
Operating Expenses to Revenue	41.21%	43.89%	46.83%	65.49%	56.58%	52.39%	0.00%	66.91%	58.33%
Earnings before Interest and Taxes (EBIT)	128	124	121	56	97	107	-139	54	83
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	142	137	133	69	116	125	-124	56	89
Valuation Ratios	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	1.01	0.73	1.01	0.88	0.57	0.73	0.79
Price to Tangible Book Value (P/TBV)	0.00	0.00	1.01	0.73	1.01	0.88	0.57	0.73	0.79
Price to Revenue (P/Rev)	0.00	0.00	5.92	5.81	6.12	4.46	0.00	4.51	4.11
Price to Earnings (P/E)	0.00	0.00	14.35	19.41	16.19	11.37	0.00	19.85	12.14
Dividend Yield	9.95%	10.73%	10.25%	10.04%	9.66%	10.88%	14.20%	5.98%	5.43%
Earnings Yield	0.00%	0.00%	6.97%	5.15%	6.18%	8.79%	0.00%	5.04%	8.24%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.94	0.83	0.99	0.94	0.82	0.85	0.84
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	14.77	15.72	13.67	14.13	0.00	16.24	12.55
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	25.29	36.79	24.07	24.40	0.00	48.38	28.39
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	27.95	45.54	28.72	28.39	0.00	50.22	30.40
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	35.78	39.41	36.69	36.04	0.00	71.48	37.10
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	41.66	27.37	37.49	31.28	67.83	87.13	45.85
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	17.33	4.49	8.59	0.00	0.00	3.63	8.97
Leverage & Solvency	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	1.64	1.68	1.39	1.27	1.94	2.76	2.11	1.86
Long-Term Debt to Equity	0.00	1.56	1.68	1.39	1.27	1.94	2.76	2.11	1.86
Financial Leverage	0.00	1.64	1.66	1.54	1.33	1.59	2.34	2.44	1.99
Leverage Ratio	0.00	6.79	6.89	7.18	7.57	8.23	9.25	9.49	9.28
Compound Leverage Factor	0.00	6.79	6.89	10.37	7.47	8.23	9.25	9.49	9.28
Debt to Total Capital	0.00%	62.15%	62.63%	58.20%	56.03%	66.04%	73.39%	67.86%	65.06%
Short-Term Debt to Total Capital	0.00%	2.99%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	59.16%	62.63%	58.20%	56.03%	66.04%	73.39%	67.86%	65.06%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	0.00%	37.85%	37.37%	41.80%	43.97%	33.96%	26.61%	32.14%	34.94%
Debt to EBITDA	0.00	16.69	16.80	25.88	13.65	17.10	-23.18	38.81	21.95
Net Debt to EBITDA	0.00	15.67	15.14	23.20	13.29	16.70	-21.21	34.94	19.11
Long-Term Debt to EBITDA	0.00	15.88	16.80	25.88	13.65	17.10	-23.18	38.81	21.95
Debt to NOPAT	0.00	23.10	23.77	27.72	20.80	25.25	-29.60	57.34	28.68
Net Debt to NOPAT	0.00	21.69	21.43	24.86	20.25	24.66	-27.07	51.62	24.97
Long-Term Debt to NOPAT	0.00	21.99	23.77	27.72	20.80	25.25	-29.60	57.34	28.68
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-3,578	195	567	325	-319	-792	749	281
Operating Cash Flow to CapEx	936.08%	1,055.72%	689.97%	630.36%	791.36%	1,750.96%	756.74%	434.08%	1,066.89%
Free Cash Flow to Firm to Interest Expense	0.00	-29.06	1.57	4.90	3.91	-3.67	-3.83	3.49	1.28
Operating Cash Flow to Interest Expense	0.73	1.01	0.66	0.80	0.90	1.12	0.23	0.15	0.25
Operating Cash Flow Less CapEx to Interest Expense	0.65	0.91	0.56	0.68	0.78	1.06	0.20	0.11	0.23
Efficiency Ratios	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.02	0.02	0.02	0.02	0.02	0.00	0.02	0.02
Fixed Asset Turnover	0.00	2.30	2.37	1.63	2.03	2.22	0.00	1.83	2.22
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-
Invested Capital	0.00	3,677	3,576	3,074	2,825	3,229	3,923	3,212	2,998
Invested Capital Turnover	0.00	0.12	0.06	0.05	0.07	0.07	0.00	0.05	0.06
Increase / (Decrease) in Invested Capital	0.00	3,677	-100	-502	-249	404	695	-711	-213
Enterprise Value (EV)	0.00	0.00	3,372	2,544	2,792	3,044	3,224	2,717	2,524
Market Capitalization	0.00	0.00	1,353	940	1,251	961	590	755	826
Book Value per Share	$0.00	$0.00	$9.44	$9.08	$8.95	$7.90	$7.67	$7.78	$7.89
Tangible Book Value per Share	$0.00	$0.00	$9.44	$9.08	$8.95	$7.90	$7.67	$7.78	$7.89
Total Capital	0.00	3,677	3,576	3,074	2,825	3,229	3,923	3,212	2,998
Total Debt	0.00	2,285	2,240	1,789	1,583	2,132	2,879	2,180	1,951
Total Long-Term Debt	0.00	2,175	2,240	1,789	1,583	2,132	2,879	2,180	1,951
Net Debt	0.00	2,146	2,020	1,604	1,541	2,083	2,634	1,962	1,698
Capital Expenditures (CapEx)	9.13	12	12	15	9.41	5.56	6.28	7.18	5.16
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	16	0.00	0.00	4.39	0.00	0.00
Net Nonoperating Obligations (NNO)	0.00	2,285	2,240	1,789	1,583	2,132	2,879	2,180	1,951
Total Depreciation and Amortization (D&A)	14	13	13	13	19	18	15	2.05	5.87
Earnings Adjustments	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.68	$0.47	$0.56	$0.62	($0.76)	$0.29	$0.52
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	141.50M	138.79M	138.85M	137.49M	135.24M	132.77M	131.81M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.68	$0.47	$0.56	$0.62	($0.76)	$0.29	$0.52
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	141.50M	138.79M	138.85M	137.49M	135.24M	132.77M	131.81M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	141.50M	138.79M	138.85M	137.49M	135.24M	132.77M	131.81M
Normalized Net Operating Profit after Tax (NOPAT)	84	99	94	65	76	84	-97	38	68
Normalized NOPAT Margin	38.67%	44.80%	41.27%	39.87%	37.24%	39.20%	0.00%	22.72%	33.84%
Pre Tax Income Margin	58.79%	56.11%	52.84%	49.82%	47.01%	49.76%	0.00%	32.34%	41.30%
Debt Service Ratios	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.09	1.01	0.98	0.48	1.17	1.23	-0.67	0.25	0.38
NOPAT to Interest Expense	0.71	0.80	0.76	0.56	0.91	0.97	-0.47	0.18	0.31
EBIT Less CapEx to Interest Expense	1.01	0.91	0.88	0.36	1.06	1.17	-0.70	0.22	0.36
NOPAT Less CapEx to Interest Expense	0.64	0.71	0.67	0.43	0.80	0.91	-0.50	0.14	0.29
Payout Ratios	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	140.20%	119.60%	143.17%	193.86%	154.95%	122.12%	-81.81%	117.13%	65.05%
Augmented Payout Ratio	140.20%	119.60%	143.17%	236.75%	160.96%	122.12%	-104.89%	168.30%	70.77%

This table displays calculated financial ratios and metrics derived from Capitol Federal Financial's official financial filings.

Metric	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	129,844,172.00	126,769,827.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	129,844,172.00	126,769,827.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.16	0.19
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-40.02%	-2.29%	11.02%	129.06%	52.85%	6.16%	12.69%	19.65%	-	18.31%	18.53%
EBITDA Growth	-91.87%	-20.64%	22.90%	111.38%	973.16%	23.22%	38.82%	17.80%	-	23.34%	30.77%
EBIT Growth	-89.53%	-1.73%	57.62%	110.32%	823.50%	11.83%	38.58%	19.94%	-	30.26%	35.17%
NOPAT Growth	-84.34%	-3.01%	16.21%	109.25%	506.80%	11.90%	90.53%	56.03%	-	30.84%	28.22%
Net Income Growth	-84.34%	-3.01%	16.21%	108.59%	506.80%	11.90%	90.53%	56.03%	-	30.84%	28.22%
EPS Growth	-83.33%	0.00%	16.67%	108.57%	500.00%	9.09%	100.00%	55.56%	-	33.33%	35.71%
Operating Cash Flow Growth	-136.53%	102.33%	104.81%	-122.95%	205.14%	-24.37%	-35.08%	796.34%	-	38.32%	40.54%
Free Cash Flow Firm Growth	108.02%	110.83%	171.79%	187.70%	-21.48%	-48.03%	-71.41%	-67.90%	-	121.26%	127.20%
Invested Capital Growth	-7.91%	-10.42%	-18.16%	-18.13%	-6.35%	-5.80%	-5.87%	-6.64%	-	-14.07%	-14.76%
Revenue Q/Q Growth	119.56%	49.72%	-2.02%	1.28%	2.88%	3.99%	4.00%	7.54%	-	1.64%	4.20%
EBITDA Q/Q Growth	101.05%	777.75%	-1.32%	24.94%	-0.84%	0.79%	11.17%	6.02%	-	0.76%	17.49%
EBIT Q/Q Growth	101.11%	732.54%	-9.33%	23.04%	-0.57%	0.81%	12.36%	6.49%	-	-0.54%	16.60%
NOPAT Q/Q Growth	101.95%	441.17%	-29.89%	24.97%	27.98%	-0.21%	19.37%	2.34%	-	-0.77%	16.98%
Net Income Q/Q Growth	101.81%	441.17%	-29.89%	24.97%	27.98%	-0.21%	19.37%	2.34%	-	-0.77%	16.98%
EPS Q/Q Growth	101.90%	450.00%	-36.36%	28.57%	33.33%	0.00%	16.67%	0.00%	-	0.00%	18.75%
Operating Cash Flow Q/Q Growth	-139.61%	484.36%	-6.80%	-116.18%	281.43%	176.48%	-20.00%	73.52%	-	22.95%	-18.71%
Free Cash Flow Firm Q/Q Growth	135.81%	37.63%	83.24%	-2.87%	-67.94%	-8.90%	0.79%	9.06%	-	37.57%	3.49%
Invested Capital Q/Q Growth	-13.15%	-0.92%	-1.89%	-3.03%	-0.66%	-0.33%	-1.96%	-3.83%	-	-4.82%	-2.75%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	6.25%	36.65%	36.91%	45.53%	43.89%	42.54%	45.47%	44.83%	-	44.36%	50.01%
EBIT Margin	6.74%	37.46%	34.67%	42.11%	40.70%	39.46%	42.63%	42.21%	-	43.45%	48.61%
Profit (Net Income) Margin	8.28%	29.94%	21.42%	26.44%	32.89%	31.56%	36.22%	34.47%	-	34.90%	39.18%
Tax Burden Percent	122.97%	79.93%	61.80%	62.77%	80.80%	79.98%	84.97%	81.66%	-	80.34%	80.60%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	-	100.00%	100.00%
Effective Tax Rate	-22.97%	20.07%	38.20%	37.23%	19.20%	20.02%	15.03%	18.34%	-	19.66%	19.40%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	1.24%	1.83%	1.79%	2.16%	2.23%	-	2.60%	3.11%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	1.24%	1.83%	1.79%	2.16%	2.23%	-	2.60%	3.11%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	3.02%	4.03%	3.91%	4.57%	4.43%	-	4.84%	5.58%
Return on Equity (ROE)	-11.04%	-11.04%	-10.99%	4.26%	5.86%	5.70%	6.73%	6.66%	-	7.44%	8.69%
Cash Return on Invested Capital (CROIC)	5.15%	7.92%	17.10%	21.01%	8.10%	7.58%	7.96%	9.06%	-	17.76%	18.80%
Operating Return on Assets (OROA)	0.00%	0.00%	0.00%	0.72%	0.78%	0.76%	0.85%	0.88%	-	0.98%	1.15%
Return on Assets (ROA)	0.00%	0.00%	0.00%	0.45%	0.63%	0.61%	0.72%	0.72%	-	0.79%	0.93%
Return on Common Equity (ROCE)	-11.04%	-11.04%	-10.99%	4.26%	5.86%	5.70%	6.73%	6.66%	-	7.44%	8.69%
Return on Equity Simple (ROE_SIMPLE)	-11.16%	-11.30%	-11.21%	0.00%	4.96%	5.07%	5.86%	0.00%	-	7.57%	8.11%
Net Operating Profit after Tax (NOPAT)	2.54	14	9.65	12	15	15	18	19	-	20	24
NOPAT Margin	8.28%	29.94%	21.42%	26.44%	32.89%	31.56%	36.22%	34.47%	-	34.90%	39.18%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
SG&A Expenses to Revenue	74.01%	49.15%	50.82%	48.72%	48.88%	49.44%	49.59%	48.00%	-	43.59%	43.86%
Operating Expenses to Revenue	92.86%	61.89%	62.07%	59.29%	57.86%	60.54%	58.26%	56.84%	-	52.45%	52.11%
Earnings before Interest and Taxes (EBIT)	2.07	17	16	19	19	19	22	23	-	25	29
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	1.92	17	17	21	21	21	23	24	-	26	30
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.77	0.72	0.67	0.73	0.74	0.69	0.75	0.79	-	0.87	1.02
Price to Tangible Book Value (P/TBV)	0.77	0.72	0.67	0.73	0.74	0.69	0.75	0.79	-	0.87	1.02
Price to Revenue (P/Rev)	0.00	0.00	0.00	4.51	4.13	3.85	4.07	4.11	-	4.06	4.56
Price to Earnings (P/E)	0.00	0.00	0.00	19.85	14.88	13.65	12.77	12.14	-	11.50	12.62
Dividend Yield	10.33%	6.05%	6.45%	5.98%	5.83%	6.16%	5.65%	5.43%	-	4.82%	4.03%
Earnings Yield	0.00%	0.00%	0.00%	5.04%	6.72%	7.32%	7.83%	8.24%	-	8.70%	7.92%
Enterprise Value to Invested Capital (EV/IC)	0.84	0.78	0.80	0.85	0.86	0.79	0.86	0.84	-	0.83	0.96
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	16.24	14.99	13.52	13.95	12.55	-	10.32	11.10
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	48.38	36.76	32.00	31.45	28.39	-	23.00	24.07
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	50.22	38.67	34.44	33.83	30.40	-	23.89	24.82
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	71.48	54.05	47.97	43.72	37.10	-	29.22	30.73
Enterprise Value to Operating Cash Flow (EV/OCF)	103.18	69.58	55.67	87.13	65.30	67.87	88.05	45.85	-	31.16	32.70
Enterprise Value to Free Cash Flow (EV/FCFF)	15.55	9.34	4.22	3.63	10.29	10.14	10.47	8.97	-	4.32	4.69
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.29	2.29	2.25	2.11	2.11	2.07	1.98	1.86	-	1.66	1.60
Long-Term Debt to Equity	2.29	2.29	2.25	2.11	2.11	2.07	1.98	1.86	-	1.66	1.60
Financial Leverage	2.40	2.41	2.54	2.44	2.20	2.18	2.11	1.99	-	1.87	1.79
Leverage Ratio	9.34	9.45	9.56	9.49	9.27	9.43	9.34	9.28	-	9.48	9.36
Compound Leverage Factor	9.34	9.45	9.56	9.49	9.27	9.43	9.34	9.28	-	9.48	9.36
Debt to Total Capital	69.65%	69.64%	69.19%	67.86%	67.81%	67.39%	66.45%	65.06%	-	62.47%	61.57%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
Long-Term Debt to Total Capital	69.65%	69.64%	69.19%	67.86%	67.81%	67.39%	66.45%	65.06%	-	62.47%	61.57%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
Common Equity to Total Capital	30.35%	30.36%	30.81%	32.14%	32.19%	32.61%	33.56%	34.94%	-	37.53%	38.43%
Debt to EBITDA	-16.27	-15.65	-15.57	38.81	28.92	27.22	24.32	21.95	-	17.30	15.47
Net Debt to EBITDA	-14.07	-12.69	-13.41	34.94	26.64	22.89	22.26	19.11	-	13.95	14.19
Long-Term Debt to EBITDA	-16.27	-15.65	-15.57	38.81	28.92	27.22	24.32	21.95	-	17.30	15.47
Debt to NOPAT	-21.64	-21.40	-21.65	57.34	42.51	40.79	33.81	28.68	-	21.98	19.75
Net Debt to NOPAT	-18.72	-17.36	-18.65	51.62	39.17	34.31	30.96	24.97	-	17.72	18.11
Long-Term Debt to NOPAT	-21.64	-21.40	-21.65	57.34	42.51	40.79	33.81	28.68	-	21.98	19.75
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	295	406	745	723	232	211	213	232	-	467	484
Operating Cash Flow to CapEx	-423.00%	1,393.75%	714.01%	-174.04%	486.81%	2,050.93%	755.42%	1,302.91%	-	1,647.16%	995.03%
Free Cash Flow to Firm to Interest Expense	5.67	7.82	13.62	12.91	4.19	3.89	3.93	4.20	-	8.94	9.37
Operating Cash Flow to Interest Expense	-0.10	0.39	0.35	-0.06	0.10	0.29	0.23	0.39	-	0.41	0.34
Operating Cash Flow Less CapEx to Interest Expense	-0.13	0.37	0.30	-0.09	0.08	0.27	0.20	0.36	-	0.39	0.30
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.00	0.00	0.02	0.02	0.02	0.02	0.02	-	0.02	0.02
Fixed Asset Turnover	0.00	0.00	0.00	1.83	2.02	2.07	2.12	2.22	-	2.48	2.58
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,407	3,376	3,312	3,212	3,191	3,180	3,118	2,998	-	2,733	2,658
Invested Capital Turnover	0.00	0.00	0.00	0.05	0.06	0.06	0.06	0.06	-	0.07	0.08
Increase / (Decrease) in Invested Capital	-293	-393	-735	-711	-216	-196	-195	-213	-	-447	-460
Enterprise Value (EV)	2,847	2,642	2,658	2,717	2,751	2,520	2,679	2,524	-	2,269	2,545
Market Capitalization	795	734	684	755	758	717	782	826	-	893	1,045
Book Value per Share	$7.65	$7.66	$7.69	$7.78	$7.73	$7.81	$7.88	$7.89	-	$7.90	$8.06
Tangible Book Value per Share	$7.65	$7.66	$7.69	$7.78	$7.73	$7.81	$7.88	$7.89	-	$7.90	$8.06
Total Capital	3,407	3,376	3,312	3,212	3,191	3,180	3,118	2,998	-	2,733	2,658
Total Debt	2,373	2,351	2,292	2,180	2,164	2,143	2,072	1,951	-	1,707	1,636
Total Long-Term Debt	2,373	2,351	2,292	2,180	2,164	2,143	2,072	1,951	-	1,707	1,636
Net Debt	2,053	1,908	1,974	1,962	1,993	1,803	1,897	1,698	-	1,376	1,500
Capital Expenditures (CapEx)	1.26	1.47	2.68	1.78	1.15	0.76	1.64	1.65	-	1.30	1.75
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00	0.00
Net Nonoperating Obligations (NNO)	2,373	2,351	2,292	2,180	2,164	2,143	2,072	1,951	-	1,707	1,636
Total Depreciation and Amortization (D&A)	-0.15	-0.37	1.01	1.56	1.50	1.50	1.44	1.43	-	0.53	0.84
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.02	$0.11	$0.07	$0.09	$0.12	$0.12	$0.14	$0.14	$0.16	$0.16	$0.19
Adjusted Weighted Average Basic Shares Outstanding	132.35M	130.54M	129.87M	132.77M	129.97M	130.03M	130.08M	131.81M	128.95M	126.63M	124.01M
Adjusted Diluted Earnings per Share	$0.02	$0.11	$0.07	$0.09	$0.12	$0.12	$0.14	$0.14	$0.16	$0.16	$0.19
Adjusted Weighted Average Diluted Shares Outstanding	132.35M	130.54M	129.87M	132.77M	129.97M	130.03M	130.08M	131.81M	128.95M	126.63M	124.01M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	133.73M	132.73M	132.74M	132.77M	132.79M	132.80M	132.82M	131.81M	129.84M	126.77M	125.70M
Normalized Net Operating Profit after Tax (NOPAT)	1.45	14	9.65	12	15	15	18	19	-	20	24
Normalized NOPAT Margin	4.72%	29.94%	21.42%	26.44%	32.89%	31.56%	36.22%	34.47%	-	34.90%	39.18%
Pre Tax Income Margin	6.74%	37.46%	34.67%	42.11%	40.70%	39.46%	42.63%	42.21%	-	43.45%	48.61%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.04	0.33	0.29	0.34	0.34	0.35	0.40	0.42	-	0.48	0.57
NOPAT to Interest Expense	0.05	0.26	0.18	0.22	0.28	0.28	0.34	0.34	-	0.39	0.46
EBIT Less CapEx to Interest Expense	0.02	0.30	0.24	0.31	0.32	0.34	0.37	0.39	-	0.45	0.53
NOPAT Less CapEx to Interest Expense	0.02	0.24	0.13	0.18	0.26	0.27	0.31	0.31	-	0.36	0.42
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	-39.24%	-38.93%	-39.15%	117.13%	86.99%	84.15%	72.19%	65.05%	-	63.18%	58.62%
Augmented Payout Ratio	-50.65%	-56.82%	-57.24%	168.30%	101.82%	84.15%	72.19%	70.77%	-	109.04%	118.76%

Financials Breakdown Chart

Key Financial Trends

Capitol Federal Financial’s latest results show a meaningful improvement in profitability, although liquidity and balance-sheet trends require continued monitoring. In Q3 2026, net income rose to $23.6 million from $20.1 million in Q2 2026 and $9.6 million in Q3 2025. Basic and diluted earnings per share increased to $0.19, compared with $0.16 in Q2 2026 and $0.07 in the year-ago quarter.

The earnings recovery has been driven primarily by higher net interest income and improving credit-related results. Net interest income increased to $53.5 million in Q3 2026 from $45.5 million in Q3 2025, while total revenue rose to $60.2 million from $45.0 million. The company also reported a $433,000 provision benefit in Q3 2026, compared with a $451,000 provision benefit in the year-ago quarter. However, some standardized data points—particularly loan balances and provision signs—appear inconsistent, so investors should rely on the company’s filings for detailed portfolio analysis.

Profitability has improved substantially. Quarterly net income increased from $8.3 million in Q3 2023 and $9.6 million in Q3 2025 to $23.6 million in Q3 2026. Net interest income has also recovered from $34.8 million in Q3 2023 to $53.5 million most recently.
Net interest income is showing a favorable trend. Net interest income increased in each reported 2026 quarter, from $51.3 million in Q1 to $52.3 million in Q2 and $53.5 million in Q3. This suggests that the company’s spread income is benefiting from improved funding or asset yields.
Operating cash flow remains positive. Capitol Federal generated $17.4 million of operating cash flow in Q3 2026, following $21.4 million in Q2 and $17.4 million in Q1. Operating cash flow has generally been positive across the latest quarters, apart from the $3.1 million outflow reported in Q4 2024.
Deposit balances have expanded over the longer term. Total reported deposits increased to approximately $6.9 billion in Q3 2026 from roughly $6.2 billion in Q3 2023. A stable or growing deposit base can support funding flexibility and reduce reliance on wholesale borrowing.
Long-term debt has declined from earlier highs. Long-term debt fell to $1.64 billion in Q3 2026 from $2.99 billion in Q3 2023 and $2.14 billion in Q2 2025. The reduction indicates progress in lowering funding leverage, even though debt remains material relative to equity.
Capital distributions continue. The company repurchased $14.2 million of common stock and paid $10.6 million in dividends during Q3 2026. Share repurchases also reduced weighted-average basic shares from approximately 131.8 million in Q4 2025 to 124.0 million in Q3 2026, helping support per-share earnings.
The investment portfolio remains central to the balance sheet. Trading account securities totaled $783.6 million in Q3 2026, while the standardized balance sheet reported $8.7 billion in other assets. Investors should review the underlying composition, duration and unrealized gains or losses because changes in securities values can affect capital and earnings.
Quarterly earnings have been volatile historically. The company reported a $140.4 million loss in Q4 2023, primarily associated with a $192.6 million net realized and unrealized investment loss. Subsequent quarters returned to profitability, but the episode highlights the potential effect of investment-market volatility on reported results.
Cash and equivalents declined sharply in the latest quarter. Cash fell to $136.1 million at June 30, 2026, from $330.9 million at March 31, 2026. The $194.8 million quarterly decline in cash reflected negative financing cash flow of $186.7 million, including debt repayments, lower deposits and shareholder distributions.
Shareholders’ equity has not kept pace with asset growth over the longer period. Total common equity was $1.02 billion in Q3 2026, below the $1.06 billion reported in Q3 2023. Retained earnings also remained negative at approximately $60.8 million, limiting the cushion available to absorb future investment or credit losses.

Overall, the recent trend is constructive: earnings, net interest income and operating cash flow have improved, while long-term debt has declined. The principal risks are the large investment portfolio, the latest cash drawdown and the company’s history of significant earnings volatility. Retail investors should watch future deposit trends, funding costs, securities valuations and capital levels to determine whether the Q3 2026 improvement is sustainable.

09/08/26 04:16 PM ETAI Generated. May Contain Errors.

Capitol Federal Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Capitol Federal Financial's financial year ends in September. Their financial year 2025 ended on September 30, 2025.

Capitol Federal Financial's net income appears to be on a downward trend, with a most recent value of $68.03 million in 2025, falling from $84.14 million in 2017. The previous period was $38.01 million in 2024. See Capitol Federal Financial's forecast for analyst expectations on what's next for the company.

Over the last 8 years, Capitol Federal Financial's total revenue changed from $217.58 million in 2017 to $201.04 million in 2025, a change of -7.6%.

Capitol Federal Financial's total liabilities were at $8.73 billion at the end of 2025, a 2.8% increase from 2024, and a 8.4% increase since 2018.

In the past 7 years, Capitol Federal Financial's cash and equivalents has ranged from $42.26 million in 2021 to $252.44 million in 2025, and is currently $252.44 million as of their latest financial filing in 2025.

Over the last 8 years, Capitol Federal Financial's book value per share changed from 0.00 in 2017 to 7.89 in 2025, a change of 788.8%.

Related Companies

Financial statements for NASDAQ:CFFN last updated on 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Capitol Federal Financial (CFFN) Financials

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Capitol Federal Financial Financials - Frequently Asked Questions

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Capitol Federal Financial (CFFN) Financials

Annual Income Statements for Capitol Federal Financial

Quarterly Income Statements for Capitol Federal Financial

Annual Cash Flow Statements for Capitol Federal Financial

Quarterly Cash Flow Statements for Capitol Federal Financial

Annual Balance Sheets for Capitol Federal Financial

Quarterly Balance Sheets for Capitol Federal Financial

Annual Metrics And Ratios for Capitol Federal Financial

Quarterly Metrics And Ratios for Capitol Federal Financial

Financials Breakdown Chart

Key Financial Trends

Capitol Federal Financial Financials - Frequently Asked Questions

When does Capitol Federal Financial's fiscal year end?

How has Capitol Federal Financial's net income changed over the last 8 years?

How has Capitol Federal Financial's revenue changed over the last 8 years?

How much debt does Capitol Federal Financial have?

How much cash does Capitol Federal Financial have?

How has Capitol Federal Financial's book value per share changed over the last 8 years?

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