Capitol Federal Financial, Inc. (CFFN) 10-Year Financial Performance & Capital Metrics

CFFN • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

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 $0 -100.0%
Total Revenue $420M +10.8%
Net Income $68M +79.0%
Return on Equity 6.54% +78.7%
Net Interest Margin 0% -100.0%
Efficiency Ratio 0% -100.0%
ROA 0.7% +82.7%
Equity / Assets 10.71% -1.1%
Book Value per Share 8.06 +2.0%
Tangible BV/Share 7.98 +1.1%
Debt/Equity 1.86 -11.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Well capitalized: 10.7% equity/assets
✓Healthy dividend yield of 5.0%
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 0.8x book value

✗Weaknesses

✗Weak 3Y average ROE of 0.2%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y3.14%

5Y5.49%

3Y11.94%

TTM-

Profit (Net Income) CAGR

10Y-1.37%

5Y1.06%

3Y-6.96%

TTM78.97%

EPS CAGR

10Y-1.09%

5Y2.04%

3Y-5.69%

TTM78.08%

ROCE

10Y Avg2.13%

5Y Avg1.19%

3Y Avg-0.2%

Latest1.65%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Net Interest Income+	192.18M	195.38M	198.77M	206.39M	189.34M	175M	192.59M	153.27M	162.06M	0
NII Growth %	0.01%	0.02%	0.02%	0.04%	-0.08%	-0.08%	0.1%	-0.2%	0.06%	-1%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	301.11M	313.19M	321.89M	329.95M	304.98M	258.18M	279.54M	359.79M	376.84M	0
Interest Expense	108.93M	117.8M	123.12M	123.56M	115.64M	83.18M	86.95M	206.52M	214.78M	0
Loan Loss Provision	-750K	0	0	750K	22.3M	-8.51M	-4.63M	6.84M	1.26M	0
Non-Interest Income+	13.86M	16.91M	16.41M	19.48M	16.71M	20.57M	20.03M	-174.15M	2.52M	420.24M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	314.97M	330.1M	338.31M	349.43M	321.69M	278.75M	299.57M	185.64M	379.37M	420.24M
Revenue Growth %	0.02%	0.05%	0.02%	0.03%	-0.08%	-0.13%	0.07%	-0.38%	1.04%	0.11%
Non-Interest Expense	84.85M	84.37M	91.28M	104.47M	103.11M	108.06M	110.05M	111.24M	109.22M	0
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	121.94M	127.92M	123.91M	120.65M	80.63M	96.03M	107.2M	-138.96M	54.1M	83.02M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.05%	0.05%	-0.03%	-0.03%	-0.33%	0.19%	0.12%	-2.3%	1.39%	0.53%
Pretax Income+	121.94M	127.92M	123.91M	120.65M	80.63M	96.03M	107.2M	-138.96M	54.1M	83.02M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	38.45M	43.78M	24.98M	26.41M	16.09M	19.95M	22.75M	-37.3M	16.09M	15M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	83.49M	84.14M	98.93M	94.24M	64.54M	76.08M	84.45M	-101.66M	38.01M	68.03M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.07%	0.01%	0.18%	-0.05%	-0.32%	0.18%	0.11%	-2.2%	1.37%	0.79%
Net Income (Continuing)	83.49M	84.14M	98.93M	94.24M	64.54M	76.08M	84.45M	-101.66M	38.01M	68.03M
EPS (Diluted)+	0.63	0.63	0.73	0.68	0.47	0.56	0.62	-0.84	0.29	0.52
EPS Growth %	0.09%	0%	0.16%	-0.07%	-0.31%	0.19%	0.11%	-2.35%	1.35%	0.79%
EPS (Basic)	0.63	0.63	0.73	0.68	0.47	0.56	0.62	-0.84	0.29	0.52
Diluted Shares Outstanding	133.18M	134.24M	134.76M	137.74M	137.9M	135.5M	135.7M	133.56M	130.67M	130.03M

Balance Sheet

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	281.76M	351.66M	139.06M	220.37M	185.15M	42.26M	49.19M	245.6M	217.31M	185.05M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	8.59B	8.44B	8.84B	8.62B	8.76B	9.1B	9.03B	9.36B	8.76B	0
Investments Growth %	-0.01%	-0.02%	0.05%	-0.02%	0.02%	0.04%	-0.01%	0.04%	-0.06%	-1%
Long-Term Investments	8.06B	8.02B	8.13B	7.42B	7.2B	7.08B	7.46B	7.97B	7.91B	0
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	7.99M	9.32M	0	0	0	0	0	9.32M
Intangible Assets	0	0	9.82M	7.5M	0	0	0	0	0	223K
PP&E (Net)	83.22M	84.82M	96M	96.78M	101.88M	99.13M	94.82M	91.53M	91.46M	89.31M
Other Assets	316.06M	317.8M	370.89M	401.25M	436.39M	394.11M	418.22M	446.76M	432.9M	-9.55M
Total Current Assets	809.07M	767.49M	855.85M	1.43B	1.75B	2.06B	1.61B	1.64B	1.07B	8.36B
Total Non-Current Assets	8.46B	8.43B	8.59B	7.91B	7.74B	7.57B	8.01B	8.54B	8.45B	113.14M
Total Assets+	9.27B	9.19B	9.45B	9.34B	9.49B	9.63B	9.62B	10.18B	9.53B	9.78B
Asset Growth %	-0.06%	-0.01%	0.03%	-0.01%	0.02%	0.02%	-0%	0.06%	-0.06%	0.03%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	-0.01%	0%	0.01%
Accounts Payable	49.55M	52.19M	83.02M	101.87M	146.94M	129.27M	0	0	0	0
Total Debt+	2.57B	2.37B	2.4B	2.24B	1.79B	1.58B	2.13B	2.38B	2.18B	1.95B
Net Debt	2.29B	2.02B	2.26B	2.02B	1.6B	1.54B	2.08B	2.13B	1.96B	1.95B
Long-Term Debt	2.37B	2.17B	2.29B	2.24B	1.79B	1.58B	2.13B	2.38B	2.18B	1.53B
Short-Term Debt	200M	200M	110.05M	0	0	0	0	0	0	425M
Other Liabilities	62.95M	64.28M	-44.79M	65.69M	66.52M	73.65M	201.38M	703.06M	185.79M	-1.53B
Total Current Liabilities	5.41B	5.56B	5.8B	5.68B	6.34B	6.73B	6.19B	6.05B	6.13B	3.12B
Total Non-Current Liabilities	2.46B	2.26B	2.26B	2.32B	1.86B	1.66B	2.33B	3.08B	2.37B	2.06M
Total Liabilities	7.87B	7.82B	8.06B	8B	8.2B	8.39B	8.53B	9.13B	8.5B	8.73B
Total Equity+	1.39B	1.37B	1.39B	1.34B	1.28B	1.24B	1.1B	1.04B	1.03B	1.05B
Equity Growth %	-0.02%	-0.02%	0.02%	-0.04%	-0.04%	-0.03%	-0.12%	-0.05%	-0.01%	0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.06%	0.07%	0.07%	0.05%	0.06%	0.07%	-0.09%	0.04%	0.07%
Book Value per Share	10.46	10.19	10.33	9.70	9.32	9.17	8.08	7.82	7.90	8.06
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	1.38M	1.38M	1.41M	1.41M	1.39M	1.39M	1.39M	1.36M	1.33M	1.32M
Additional Paid-in Capital	1.16B	1.17B	1.21B	1.21B	1.19B	1.19B	1.19B	1.17B	1.15B	1.14B
Retained Earnings	268.47M	234.64M	214.57M	174.28M	143.16M	98.94M	80.27M	-104.56M	-111.1M	-87.33M
Accumulated OCI	5.92M	2.92M	4.34M	-14.9M	-16.5M	-16.3M	-145.63M	8.7M	21.63M	-9.03M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Cash from Operations+	84.96M	85.44M	124.16M	80.95M	92.93M	74.47M	97.3M	47.53M	31.18M	13.55M
Operating CF Growth %	-0.02%	0.01%	0.45%	-0.35%	0.15%	-0.2%	0.31%	-0.51%	-0.34%	-0.57%
Net Income	83.49M	84.14M	98.93M	94.24M	64.54M	76.08M	84.45M	-101.66M	38.01M	68.03M
Depreciation & Amortization	7.14M	7.8M	8.69M	11.46M	11.1M	10.95M	10.74M	10.11M	8.7M	0
Deferred Taxes	470K	922K	-4.54M	-361K	-5.59M	-1.67M	2.05M	-45.52M	3.55M	0
Other Non-Cash Items	-5.79M	481K	9.01M	-5.82M	18.67M	-11.98M	-7.87M	190.3M	-2.04M	-38.54M
Working Capital Changes	-3.65M	-10.83M	9.51M	-21.32M	1.65M	-1.45M	5.69M	-7.21M	-18.32M	-15.94M
Cash from Investing+	99.49M	146.28M	-21.57M	233.26M	-151.29M	-326.67M	-167.58M	-329.1M	629.11M	1.59M
Purchase of Investments	-244.32M	-37.42M	-411.46M	-386.7M	-1.01B	-1.08B	-88.03M	0	-1.18B	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	15.69M	0	0	0	0	0	0	0
Other Investing	-277.48M	-220.5M	-21.34M	106.5M	203.26M	160.41M	-397.02M	-509.68M	85.32M	1.59M
Cash from Financing+	-675.32M	-161.83M	-315.2M	-199.56M	44.37M	82.78M	49.18M	477.98M	-688.59M	-47.62M
Dividends Paid	-111.77M	-117.96M	-118.31M	-134.93M	-93.86M	-117.89M	-103.13M	-83.17M	-44.52M	-44.25M
Share Repurchases	0	0	0	0	-20.77M	-4.57M	0	-23.45M	-19.45M	-3.89M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K	-1000K
Other Financing	336.45M	156.13M	-57.79M	-19.58M	606M	408.24M	-395.19M	-160.72M	77.57M	230.78M
Net Change in Cash+	-490.87M	69.89M	-212.6M	114.64M	-13.99M	-169.42M	-21.1M	196.41M	-28.3M	-32.48M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	772.63M	281.76M	351.66M	139.06M	253.7M	239.71M	70.29M	49.19M	245.6M	50.11M
Cash at End	281.76M	351.66M	139.06M	253.7M	239.71M	70.29M	49.19M	245.6M	217.31M	17.63M
Interest Paid	106.18M	117.31M	119.7M	123.51M	118.61M	83.65M	83.83M	188.91M	224.7M	0
Income Taxes Paid	36.48M	37.88M	24.79M	17.78M	13.04M	13.06M	13.56M	5.42M	6.02M	0
Free Cash Flow+	70.1M	76.32M	112.4M	69.22M	78.19M	65.06M	91.74M	41.25M	24M	49.84M
FCF Growth %	-0.06%	0.09%	0.47%	-0.38%	0.13%	-0.17%	0.41%	-0.55%	-0.42%	1.08%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	5.94%	6.09%	7.17%	6.91%	4.92%	6.02%	7.22%	-9.5%	3.66%	6.54%
Return on Assets (ROA)	0.87%	0.91%	1.06%	1%	0.69%	0.8%	0.88%	-1.03%	0.39%	0.7%
Net Interest Margin	2.07%	2.13%	2.1%	2.21%	2%	1.82%	2%	1.51%	1.7%	0%
Efficiency Ratio	26.94%	25.56%	26.98%	29.9%	32.05%	38.76%	36.74%	59.92%	28.79%	0%
Equity / Assets	15.03%	14.88%	14.73%	14.31%	13.54%	12.9%	11.39%	10.26%	10.83%	10.71%
Book Value / Share	10.46	10.19	10.33	9.7	9.32	9.17	8.08	7.82	7.9	8.06
NII Growth	1.27%	1.67%	1.74%	3.83%	-8.26%	-7.57%	10.05%	-20.42%	5.73%	-100%
Dividend Payout	133.86%	140.2%	119.6%	143.17%	145.43%	154.95%	122.12%	-	117.13%	65.05%

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024	2025
Deposit Account	15.64M	12.74M	11.29M	12.28M	13.8M	12.74M	10.56M	11.04M
Deposit Account Growth	-	-18.52%	-11.42%	8.83%	12.34%	-7.63%	-17.13%	4.55%
Insurance Services	-	-	2.49M	3.03M	2.95M	3.49M	3.26M	3.6M
Insurance Services Growth	-	-	-	21.83%	-2.74%	18.32%	-6.60%	10.68%

Frequently Asked Questions

Valuation & Price

Capitol Federal Financial, Inc. (CFFN) has a price-to-earnings (P/E) ratio of 13.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Capitol Federal Financial, Inc. (CFFN) grew revenue by 10.8% over the past year. This is steady growth.

Yes, Capitol Federal Financial, Inc. (CFFN) is profitable, generating $68.0M in net income for fiscal year 2025 (16.2% net margin).

Dividend & Returns

Yes, Capitol Federal Financial, Inc. (CFFN) pays a dividend with a yield of 5.03%. This makes it attractive for income-focused investors.

Capitol Federal Financial, Inc. (CFFN) has a return on equity (ROE) of 6.5%. This is below average, suggesting room for improvement.

Industry Metrics

Capitol Federal Financial, Inc. (CFFN) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

Capitol Federal Financial, Inc. (CFFN) has an efficiency ratio of 0.0%. This is excellent, indicating strong cost control.

US Stock Screener

...