Capitol Federal Financial, Inc. (CFFN) Financial Statements
Industry: Savings Institution, Federally Chartered
In fiscal 2025, Capitol Federal Financial reported revenue of $201.0M, up 20.2% from $167.3M the year before. Net income was $68.0M (a 33.8% net margin), or $0.52 per diluted share. Net interest income was $180.3M, and the efficiency ratio (noninterest expense / revenue) was 58.3%. Operating activities generated $55.0M of cash, leaving $49.8M of free cash flow. At fiscal year end, Capitol Federal Financial held $9.78B in total assets against $8.73B in total liabilities, including $252.4M of cash and equivalents.
Open the full interactive Capitol Federal Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Capitol Federal Financial Key Stats
| Share Price | $8.26 |
|---|---|
| Market Cap | $1.02B |
| P/E Ratio | 15.9 |
| Dividend Yield | 4.74% |
| Revenue YoY Growth | +20.2% |
| 52-Week Range | $5.72 – $9.10 |
| Shares Outstanding | 124.0 million (basic, 2026 Q3) |
Capitol Federal Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $189.3M | $175.0M | $192.6M | $153.3M | $162.1M | $180.3M |
| Provision for Credit Losses | $22.3M | -$8.5M | -$4.6M | $6.8M | $1.3M | $745,000 |
| Noninterest Income | $19.6M | $28.1M | $22.8M | -$171.5M | $5.2M | $20.7M |
| Noninterest Expense | $106.0M | $115.6M | $112.9M | $113.9M | $111.9M | $117.3M |
| Revenue | $208.9M | $203.1M | $215.4M | -$18.2M | $167.3M | $201.0M |
| Pre-Tax Income | $80.6M | $96.0M | $107.2M | -$139.0M | $54.1M | $83.0M |
| Income Tax | $16.1M | $19.9M | $22.8M | -$37.3M | $16.1M | $15.0M |
| Net Income | $64.5M | $76.1M | $84.5M | -$101.7M | $38.0M | $68.0M |
| Diluted EPS | $0.47 | $0.56 | $0.62 | -$0.76 | $0.29 | $0.52 |
Capitol Federal Financial Quarterly Results
| 2025 Q4 | 2026 Q1 | 2026 Q2 | 2026 Q3 | |
|---|---|---|---|---|
| Revenue | $54.6M | $56.8M | $57.7M | $60.2M |
| Net Income | $18.8M | $20.3M | $20.1M | $23.6M |
| Diluted EPS | $0.14 | $0.16 | $0.16 | $0.19 |
Capitol Federal Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $185.1M | $42.3M | $49.2M | $245.6M | $217.3M | $252.4M |
| Loans (Net) | $7.20B | $7.08B | $7.46B | $7.97B | $7.91B | $8.11B |
| Total Assets | $9.49B | $9.63B | $9.62B | $10.18B | $9.53B | $9.78B |
| Total Long-Term Debt | $1.79B | $1.59B | $2.21B | $2.88B | $2.18B | $1.95B |
| Total Liabilities | $8.20B | $8.39B | $8.53B | $9.13B | $8.50B | $8.73B |
| Shareholders' Equity | $1.28B | $1.24B | $1.10B | $1.04B | $1.03B | $1.05B |
Capitol Federal Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $92.9M | $74.5M | $97.3M | $47.5M | $31.2M | $55.0M |
| Cash From Investing | -$151.3M | -$326.7M | -$167.6M | -$329.1M | $629.1M | -$206.6M |
| Cash From Financing | $44.4M | $82.8M | $49.2M | $478.0M | -$688.6M | $186.7M |
| Free Cash Flow | $78.2M | $65.1M | $91.7M | $41.2M | $24.0M | $49.8M |
| Dividends Paid | $93.9M | $117.9M | $103.1M | $83.2M | $44.5M | $44.3M |
Figures from Capitol Federal Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Capitol Federal Financial financials page for every line item.
Capitol Federal Financial Company Profile
| Ticker | CFFN |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institution, Federally Chartered |
| Headquarters | Topeka, Kansas |
| Incorporated in | Maryland |
| Fiscal Year End | September 30 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001490906 |
Frequently Asked Questions
What was Capitol Federal Financial's revenue in fiscal 2025?
Capitol Federal Financial (CFFN) reported revenue of $201.0M for fiscal 2025.
What is Capitol Federal Financial's annual revenue history?
Capitol Federal Financial's annual revenue by fiscal year: 2020: $208.9M; 2021: $203.1M; 2022: $215.4M; 2023: -$18.2M; 2024: $167.3M; 2025: $201.0M.
What was Capitol Federal Financial's net income in fiscal 2025?
Capitol Federal Financial reported net income of $68.0M for fiscal 2025.
What was Capitol Federal Financial's earnings per share (EPS) in fiscal 2025?
Capitol Federal Financial's diluted EPS was $0.52 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Capitol Federal Financial generate in fiscal 2025?
Capitol Federal Financial generated $49.8M of free cash flow in fiscal 2025.
What was Capitol Federal Financial's revenue last quarter?
In its most recent reported quarter (2026 Q3), Capitol Federal Financial reported revenue of $60.2M.
How much debt does Capitol Federal Financial have?
Capitol Federal Financial reported $1.95B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Capitol Federal Financial are outstanding?
Capitol Federal Financial reported a weighted average of 124.0 million basic shares outstanding in 2026 Q3.
What is Capitol Federal Financial's market cap?
Based on its latest closing price, Capitol Federal Financial (CFFN) has a market capitalization of about $1.02B.
When does Capitol Federal Financial's fiscal year end?
Capitol Federal Financial's fiscal year end, as registered with the SEC, is September 30.
Where is Capitol Federal Financial headquartered?
Capitol Federal Financial lists its business address in Topeka, Kansas in its SEC filings.
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