MARKETS / NASDAQ / Financials / Banks / CFFN

NASDAQ · SAVINGS INSTITUTION, FEDERALLY CHARTERED · LARGE CAP

Capitol Federal Financial, Inc. CFFN

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Net income

$68.0M

▲ 79.0% YoY

Free cash flow

$49.8M

▲ 107.7% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

We attract deposits primarily from the general public and from businesses, and invest those funds primarily in commercial loans, either secured by real estate or for commercial and industrial purposes, and in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences. We also offer a broad range of banking services, including a full suite of treasury management services designed to support commercial customers in managing their financial operations efficiently and securely. The Company's results of operations are primarily dependent on net interest income, which is the difference between the interest earned on loans, securities, and cash, and the interest paid on deposits and borrowings.

Written from the business description in Capitol Federal Financial, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 26 November 2025. Every sentence was checked against that document before publication.

Growth

Revenue, FY2025 · full 17-year series below

Compound annual growth

Net income

−7.0%

+1.1%

−1.4%

+0.0%

EPS, diluted

−5.7%

+2.0%

−1.1%

Dividend / share

−23.5%

−12.9%

−8.6%

Returned to shareholders

−22.4%

−15.8%

−11.5%

−0.0%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 6.5%

2%4%6%-5%

200920172025

Three returns, three denominators.

Return on equity6.5%

Return on assets0.7%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDA·

Each USD of equity produced 7 cents of profit this year.

Cash & shareholders

USD 48.1M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 49.8

100M200M

200920172025

Net buybacks $M Dividends $M

FY2025 · Dividends 44.3 · Net buybacks 3.9

100M200MDividendsNet buybacks

200920112013201520172019202120232025

Dividends paidUSD 44.3M

Net buybacksUSD 3.9M

Share of profit70.8%

Consecutive raises·

USD 44.3M in dividends and USD 3.9M in buybacks — 71% of the year's profit went back to shareholders.

Total assetsUSD 9.8B

EquityUSD 1.0B

CashUSD 252.4M

Equity funds 11% of total assets.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data

CFFN, 17-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	0.1	0.1	−0.1	0.1	0.1	0.1	0.1	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
EBITDA $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Income tax $B	0.0	0.0	−0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.1	0.0	−0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.0	0.1	0.1
Free cash flow $B	0.0	0.0	0.0	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.2
EPS, diluted $	0.52	0.29	−0.76	0.62	0.56	0.47	0.68	0.73	0.63	0.63	0.58	0.56	0.48	0.47	0.24	0.41	0.40
Dividend / sh $	0.34	0.34	0.62	0.76	0.87	0.68	0.98	0.88	0.88	0.84	0.84	0.98	1.00	0.40	1.63	2.29	◌
Payout %	65	117	−82	122	155	145	143	120	140	134	146	178	212	86	391	71	66
ROE %	6.5	3.7	−9.5	7.2	6.0	4.9	6.9	7.2	6.1	5.9	5.4	5.0	4.0	4.0	2.6	7.1	7.0
Shares out B	0.13	0.13	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.15	0.16	0.17	0.07	◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Three checks were skipped: the balance sheet is not tagged before 2010. Two checks were skipped: EPS is not tagged before 2009.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivitySavings Institution, Federally Chartered

Listed onNASDAQ

Incorporated inMaryland

Fiscal year endsSeptember 30

Data on record since2009