Capitol Federal Financial, Inc. (CFFN) Earnings History
Profitable28 years of earnings data (1998–2025) · Positive TTM net income
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Capitol Federal Financial, Inc. (CFFN) Earnings Overview
As of June 21, 2026, Capitol Federal Financial, Inc. (CFFN) reported trailing twelve-month net income of $73M, reflecting +79.3% year-over-year growth. The company earned $0.57 per diluted share over the past four quarters, with a net profit margin of 16.3%.
Looking at the long-term picture, CFFN's 5-year EPS compound annual growth rate (CAGR) stands at +2.0%, reflecting modest earnings expansion. The company achieved its highest annual net income of $99M in fiscal 2018.
Capitol Federal Financial, Inc. maintains industry-leading profitability with a gross margin of 47.3%, operating margin of 19.9%, and net margin of 16.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WAFD ($243M net income, 16.0% margin), HOMB ($475M net income, 34.6% margin), NWBI ($126M net income, 14.4% margin), CFFN has outperformed on profitability metrics. Compare CFFN vs WAFD →
CFFN Earnings vs Peers
Earnings metrics vs comparable public companies
CFFN Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $68M | +79.0% | $83M | $0.52 | 16.3% | 19.9% |
| 2024 | $38M | +137.4% | $54M | $0.29 | 10.0% | 14.3% |
| 2023 | -$102M | -220.4% | -$139M | $-0.76 | -54.8% | -74.9% |
| 2022 | $84M | +11.0% | $107M | $0.62 | 28.2% | 35.8% |
| 2021 | $76M | +17.9% | $96M | $0.56 | 27.3% | 34.4% |
| 2020 | $65M | -31.5% | $81M | $0.47 | 20.1% | 25.1% |
| 2019 | $94M | -4.7% | $121M | $0.68 | 27.0% | 34.5% |
| 2018 | $99M | +17.6% | $124M | $0.73 | 29.2% | 36.6% |
| 2017 | $84M | +0.8% | $128M | $0.63 | 25.5% | 38.8% |
| 2016 | $83M | +6.9% | $122M | $0.63 | 26.5% | 38.7% |
| 2015 | $78M | +0.5% | $116M | $0.58 | 25.3% | 37.5% |
| 2014 | $78M | +12.0% | $115M | $0.56 | 25.4% | 37.7% |
| 2013 | $69M | -6.9% | $106M | $0.48 | 22.1% | 33.6% |
| 2012 | $75M | +94.0% | $116M | $0.47 | 21.5% | 33.4% |
| 2011 | $38M | -43.4% | $57M | $0.24 | 10.5% | 15.6% |
| 2010 | $68M | +2.3% | $105M | $0.41 | 16.8% | 26.1% |
| 2009 | $66M | +30.1% | $105M | $0.40 | 15.0% | 23.8% |
| 2008 | $51M | +57.8% | $80M | $0.31 | 11.6% | 18.2% |
| 2007 | $32M | -32.9% | $53M | $0.19 | 7.4% | 12.1% |
| 2006 | $48M | -26.0% | $79M | $0.29 | 11.0% | 18.0% |
| 2005 | $65M | +161.2% | $105M | $0.39 | 15.4% | 24.9% |
| 2004 | -$106M | -304.3% | -$169M | $-0.65 | -26.0% | -41.5% |
| 2003 | $52M | -41.9% | $85M | $0.32 | 10.7% | 17.6% |
| 2002 | $90M | +15.2% | $147M | $0.54 | 15.3% | 25.1% |
| 2001 | $78M | +1.9% | $123M | $0.44 | 13.0% | 20.7% |
| 2000 | $76M | +77.9% | $121M | $0.40 | 14.3% | 22.7% |
| 1999 | $43M | -20.5% | $69M | $0.17 | 10.5% | 16.9% |
| 1998 | $54M | - | $89M | $0.26 | 21.6% | 35.5% |
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CFFN — Frequently Asked Questions
Quick answers to the most common questions about buying CFFN stock.
What is CFFN earnings per share (EPS)?
CFFN trailing twelve-month (TTM) diluted EPS is $0.57, reflecting +79.3% year-over-year growth. The 5-year EPS CAGR is +2.0%. Complete EPS history from 1998 to 2025 is available in the table on this page.
What is Capitol Federal Financial, Inc.'s net income?
Capitol Federal Financial, Inc. (CFFN) trailing twelve-month net income is $73M as of 2025. Earnings grew +79.3% year-over-year. Capitol Federal Financial, Inc. has been profitable for 2 consecutive years.
Is CFFN profitable?
Yes, CFFN is profitable with a TTM net income of $73M and a net profit margin of +16.3%. Capitol Federal Financial, Inc. has generated profits for 2 consecutive years.
What is CFFN's earnings growth rate?
CFFN compound annual EPS growth rates (CAGR): 1-Year: +79.3%, 3-Year: -5.7%, 5-Year: +2.0%, 10-Year: -1.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2025.
What are CFFN's profit margins?
Capitol Federal Financial, Inc. net profit margin is +16.3%, operating margin is +19.9%, and gross margin is +47.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +6.5%.
Is CFFN growing earnings?
Yes, CFFN earnings are accelerating — EPS growth of +79.3% exceeds the 5-year CAGR of +2.0%. TTM net income reached $73M. Earnings momentum is strengthening.
What was CFFN's best earnings year?
Capitol Federal Financial, Inc.'s highest annual net income on record is $99M, achieved in fiscal year 2018. Earnings history on this page spans 1998 to 2025 and includes all annual and quarterly figures.
What were CFFN's earnings last quarter?
CFFN's most recent reported quarter was Q1 2026. Net income was $20M with diluted EPS of $0.16. For a full breakdown of all quarters, see the quarterly earnings table on this page.