Capitol Federal Financial, Inc. (CFFN) Earnings History
Steady Earner29 years of earnings data (1998–2026) · Positive but moderate multi-year EPS trajectory
Loading earnings history...
Capitol Federal Financial, Inc. (CFFN) Earnings Overview
As of November 8, 2026, Capitol Federal Financial, Inc. (CFFN) reported trailing twelve-month net income of $86M, reflecting +32.7% year-over-year growth. The company earned $0.70 per diluted share over the past four quarters, with a net profit margin of 36.7%.
Looking at the long-term picture, CFFN's 5-year EPS compound annual growth rate (CAGR) stands at +4.3%, 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 98.7%, operating margin of 45.7%, and net margin of 36.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WAFD ($256M net income, 31.5% margin), HOMB ($485M net income, 49.2% margin), NWBI ($201M net income, 19.3% 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 (1998–2026)
29 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2026 | $86M | +27.0% | $108M | $0.69 | 36.7% | 45.7% |
| 2025 | $68M | +79.0% | $83M | $0.52 | 34.3% | 41.9% |
| 2024 | $38M | +137.4% | $54M | $0.29 | 23.1% | 32.9% |
| 2023 | -$102M | -220.4% | -$139M | $-0.76 | - | - |
| 2022 | $84M | +11.0% | $107M | $0.62 | 39.7% | 50.4% |
| 2021 | $76M | +17.9% | $96M | $0.56 | 38.9% | 49.1% |
| 2020 | $65M | -31.5% | $81M | $0.47 | 31.3% | 39.1% |
| 2019 | $94M | -4.7% | $121M | $0.68 | 41.7% | 53.4% |
| 2018 | $99M | +17.6% | $124M | $0.73 | 46.0% | 57.6% |
| 2017 | $84M | +0.8% | $128M | $0.63 | 39.6% | 60.3% |
| 2016 | $83M | +6.9% | $122M | $0.63 | 40.5% | 59.2% |
| 2015 | $78M | +0.5% | $116M | $0.58 | 38.9% | 57.6% |
| 2014 | $78M | +12.0% | $115M | $0.56 | 39.0% | 57.8% |
| 2013 | $69M | -6.9% | $106M | $0.48 | 35.8% | 54.4% |
| 2012 | $75M | +94.0% | $116M | $0.47 | 36.6% | 56.9% |
| 2011 | $38M | -43.4% | $57M | $0.24 | 20.4% | 30.4% |
| 2010 | $68M | +2.3% | $105M | $0.41 | 34.1% | 53.0% |
| 2009 | $66M | +30.1% | $105M | $0.40 | 32.3% | 51.3% |
| 2008 | $51M | +57.8% | $80M | $0.31 | 31.0% | 48.8% |
| 2007 | $32M | -32.9% | $53M | $0.19 | 24.8% | 40.6% |
| 2006 | $48M | -26.0% | $79M | $0.29 | 31.6% | 51.7% |
| 2005 | $65M | +161.2% | $105M | $0.39 | 36.3% | 58.8% |
| 2004 | -$106M | -304.3% | -$169M | $-0.65 | -76.1% | -121.2% |
| 2003 | $52M | -41.9% | $85M | $0.32 | 33.0% | 54.0% |
| 2002 | $90M | +15.2% | $147M | $0.54 | 41.5% | 68.1% |
| 2001 | $78M | +1.9% | $123M | $0.44 | 41.7% | 66.1% |
| 2000 | $76M | +77.9% | $121M | $0.40 | 41.7% | 66.0% |
| 1999 | $43M | -20.5% | $69M | $0.17 | 27.4% | 44.3% |
| 1998 | $54M | - | $89M | $0.26 | 353.9% | 581.9% |
Download Data
Export CFFN earnings history in CSV or JSON format
Free sign-in required to download data
CFFN Chart Terminal
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
Live Breakouts Feed
High-probability breakout stocks crossing their pivot across 5 pattern engines.
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
28+ years return with dividends reinvested.
Peer Comparison
Compare growth, multiples, and margins vs sector.
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 $0.70, reflecting +32.7% year-over-year growth. The 5-year EPS CAGR is +4.3%. Complete EPS history from 1998 to 2026 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 $86M as of 2026. Earnings grew +32.7% year-over-year. Capitol Federal Financial, Inc. has been profitable for 3 consecutive years.
Is CFFN profitable?
Yes, CFFN is profitable with a TTM net income of $86M and a net profit margin of +36.7%. Capitol Federal Financial, Inc. has generated profits for 3 consecutive years.
What is CFFN's earnings growth rate?
CFFN compound annual EPS growth rates (CAGR): 1-Year: +32.7%, 3-Year: N/A, 5-Year: +4.3%, 10-Year: +0.9%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2026.
What are CFFN's profit margins?
Capitol Federal Financial, Inc. net profit margin is +36.7%, operating margin is +45.7%, and gross margin is +98.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +8.4%.
Is CFFN growing earnings?
Yes, CFFN earnings are accelerating — EPS growth of +32.7% exceeds the 5-year CAGR of +4.3%. TTM net income reached $86M. 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 2026 and includes all annual and quarterly figures.
What were CFFN's earnings last quarter?
CFFN's most recent reported quarter was Q4 2026. Net income was $22M with diluted EPS of $0.18. For a full breakdown of all quarters, see the quarterly earnings table on this page.