8-K Announcements
6Material company update
Apr 29, 2026·SEC
Material company update
Jan 29, 2026·SEC
Material company update
Jan 28, 2026·SEC
Capitol Federal Financial, Inc.(CFFN)Earnings, Financials & Key Ratios
CFFN•NASDAQ•Banking & Credit
$8.37
16.1× P/E·Price updated Jul 7, 2026
AboutCapitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity, loans and lines of credit, home improvement loans, vehicle loans, and loans secured by saving deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 54 branches, including 45 traditional branches and nine in-store branches located in nine counties throughout Kansas and two counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.Show more
- Net Interest Income$180M+11.3%
- Total Revenue$417M+10.0%
- Net Income$68M+79.0%
- Return on Equity6.54%+78.7%
- Net Interest Margin1.84%+8.4%
- Efficiency Ratio27.41%-4.8%
- ROA0.7%+82.7%
- Equity / Assets10.71%-1.1%
- Book Value per Share8.06+2.0%
CFFN Price & Volume
Capitol Federal Financial, Inc. (CFFN) stock price & volume — 10-year historical chart
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Stagnant Margins Challenge Fortress Balance Sheet Stability
Investment Thesis • Updated 2026Q2
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Fortress
Cash Flow:Stable
Primary Risk:Legacy mortgage portfolio duration
Key Thesis Takeaways
- Capitol Federal Financial maintains a fortress-like capital position with an equity-to-assets ratio of 0.10, yet the institution faces persistent headwinds from a 0.5 percent net interest margin that limits profitability.
- While the bank has successfully grown net interest income by 19.2 percent year-over-year to 52.3 million dollars in 2026Q2, the reliance on a legacy mortgage portfolio creates significant duration risk.
- Investors should monitor whether the shift toward commercial lending, evidenced by a 2.4 million dollar provision for loan losses, can effectively offset the structural margin compression inherent in the current interest rate environment.
Verdict Logic
while the 4.0 percent dividend yield provides income, the stagnant 0.5 percent net interest margin and a high P/B ratio of 1.05 suggest limited near-term capital appreciation potential.
CFFN Growth Metrics
Capitol Federal Financial, Inc. (CFFN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years3.07%
5 Years5.35%
3 Years11.69%
TTM-
Profit CAGR
10 Years-1.37%
5 Years1.06%
3 Years-6.96%
TTM47.8%
EPS CAGR
10 Years-1.09%
5 Years2.04%
3 Years-5.69%
TTM47.42%
Return on Capital
10 Years2.22%
5 Years1.37%
3 Years0.09%
Last Year2.52%
CFFN Recent Earnings
Capitol Federal Financial, Inc. (CFFN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.16-5.9%
$0.17
Rev
$58M+1.3%
$57M
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.16+6.7%
$0.15
Rev
$57M+1.4%
$56M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.14+0.0%
$0.14
Rev
$54M-2.6%
$55M
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$0.14+0.0%
$0.14
Rev
$51M-5.1%
$53M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.16vs $0.17-5.9% | $58Mvs $57M+1.3% |
| Q1 2026 | Jan 28, 2026 | $0.16vs $0.15+6.7% | $57Mvs $56M+1.4% |
| Q4 2025 | Oct 29, 2025 | $0.14vs $0.14+0.0% | $54Mvs $55M-2.6% |
| Q3 2025 | Jul 23, 2025 | $0.14vs $0.14+0.0% | $51Mvs $53M-5.1% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Capitol Federal Financial, Inc. (CFFN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $8.37 | $1.06B | 16.10 | 10.03% | 16.3% | 6.54% | 4.07% | |
| $37.65 | $2.78B | 14.32 | -1.58% | 18.26% | 8.36% | — | |
| $28.66 | $5.77B | 11.89 | -5.35% | 34.84% | 11.29% | — | |
| $15.03 | $2.2B | 16.34 | 16.3% | 14.75% | 7.3% | — | |
| $54.71 | $956.05M | 16.83 | 5.77% | 22.43% | 9.21% | — | |
| $9.31 | $585.91M | 22.17 | 5.09% | 10.39% | 4.75% | — |
Compare CFFN vs Peers
Capitol Federal Financial, Inc. (CFFN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CFFN SEC Filings & Documents
Capitol Federal Financial, Inc. (CFFN) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CFFN Frequently Asked Questions
Capitol Federal Financial, Inc. (CFFN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Capitol Federal Financial, Inc. growing?
Capitol Federal Financial, Inc. (CFFN) grew revenue by 10.0% over the past year. This is steady growth.
Is CFFN profitable?
Yes, Capitol Federal Financial, Inc. (CFFN) is profitable, generating $77.6M in net income for fiscal year 2025 (16.3% net margin).
Dividend & Returns
Does CFFN pay dividends?
Yes, Capitol Federal Financial, Inc. (CFFN) pays a dividend with a yield of 4.07%. This makes it attractive for income-focused investors.
What is CFFN's return on equity?
Capitol Federal Financial, Inc. (CFFN) has a return on equity (ROE) of 6.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is Capitol Federal Financial, Inc.'s net interest margin?
Capitol Federal Financial, Inc. (CFFN) has a net interest margin (NIM) of 1.8%. NIM has been under pressure due to interest rate environment.
What is Capitol Federal Financial, Inc.'s efficiency ratio?
Capitol Federal Financial, Inc. (CFFN) has an efficiency ratio of 27.4%. This is excellent, indicating strong cost control.