Capitol Federal Financial, Inc. (CFFN) Earnings History
Annual and quarterly earnings data from 1998 to 2025
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CFFN EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CFFN Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 47.3% | 19.9% | 16.3% |
| 2024 | 43.1% | 14.3% | 10.0% |
| 2023 | -14.9% | -74.9% | -54.8% |
| 2022 | 72.5% | 35.8% | 28.2% |
| 2021 | 73.2% | 34.4% | 27.3% |
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Capitol Federal Financial, Inc. (CFFN) Earnings Overview
As of May 6, 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 ($458M net income, 27.7% 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% |
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Start ComparisonCFFN — Frequently Asked Questions
Quick answers to the most common questions about buying CFFN stock.
Is CFFN growing earnings?
CFFN EPS is $0.57, with earnings growth accelerating to +79.3%. This exceeds the 5-year CAGR of +2.0%. TTM net income reached $73M.
What are CFFN's profit margins?
Capitol Federal Financial, Inc. net margin is +16.3%, with operating margin at +19.9%. Above-average margins indicate pricing power.
How consistent are CFFN's earnings?
CFFN earnings data spans 1998-2025. The accelerating earnings trend is +79.3% YoY. Historical data enables comparison across business cycles.