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Capitol Federal Financial

CFFN

Capitol Federal Financial, Inc. is a bank holding company for Capitol Federal Savings Bank, a federally chartered institution serving Kansas and Missouri.

Market cap
$1.04B+27.3%
Revenue$229.2M+19.4%
Net income$82.8M+35.2%
Free cash flow$71.5M+54.2%
EPS (diluted)$0.65+38.3%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 28, 2026 (In 3 weeks)
Revenue estimate$61.1M
EPS estimate$0.18

Financials

Q3 2026

Income statement

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Revenue$60.2M+18.5%
Net income$23.6M+28.2%
EPS (diluted)$0.19+35.7%

Balance sheet

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Cash & equivalents$136.1M-22.2%
Total debt$1.6B-21.0%
Total equity$1.0B-2.4%
Total assets$9.7B-0.3%

Cash flow

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Operating cash flow$17.4M+40.5%
CapEx$1.8M+6.8%
Free cash flow$15.7M+45.7%

Valuation & ratios

Valuation

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Market cap$1.04B+27.3%
Enterprise value$2.55B+1.0%
P/E12.6×+0.7×
P/S4.6×+0.5×

Profitability

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Net margin36.1%+4.2pp
FCF margin31.2%—

Returns & leverage

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Return on equity8%+2.1pp
Debt / equity1.6×-0.4×

Segments

By product

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Deposit service fees$3.0M+4.2%
Insurance commissions$838.0K-5.2%

Competitors

Profile

Capitol Federal Financial, Inc. is a bank holding company for Capitol Federal Savings Bank, a federally chartered institution serving Kansas and Missouri. The company is strategically transitioning from a retail-oriented thrift into a full-service commercial banking institution while maintaining its position as a leading residential mortgage lender. Its core value proposition centers on conservative underwriting, cost-efficient branch operations, and a strong capital position to support long-term stockholder value.

Competitive position

A leading originator of conventional one- to four-family loans in Kansas with the second-largest deposit market share in the state.

GeographiesKansas, Missouri, United States
Customer segmentsRetail, Commercial, Small Business, High-net-worth
Business modelInterest Spread, Fee-based Services, Relationship Banking
SuppliersFederal Home Loan Bank of Topeka, Federal Reserve Bank, Depositors, Technology Vendors
CustomersResidential Homebuyers, Commercial Real Estate Borrowers, Small Business Owners, Corporate Entities
Listed1999
Employees649.0
CEOJohn Dicus
Websitecapfed.com
FilingsSEC EDGAR

FAQ

What is Capitol Federal Financial's market cap?
Capitol Federal Financial (CFFN) has a market capitalization of $1.0B and trades on NASDAQ.
What is Capitol Federal Financial's revenue and profitability?
Capitol Federal Financial generated $229.2M in trailing twelve-month revenue with net income of $82.8M, representing a net margin of 36.1%, with free cash flow of $71.5M. The latest reported period is Q3 2026.
Who are Capitol Federal Financial's competitors?
Capitol Federal Financial's key competitors include Commerce Bancshares, Inc., JPMorgan Chase & Co., Bank of America Corp, and others. These companies compete in similar markets and product categories.
Who does Capitol Federal Financial partner with?
Capitol Federal Financial's notable partners include Federal Home Loan Bank of Topeka, Banktastic.
What subsidiaries does Capitol Federal Financial have?
Capitol Federal Financial's subsidiaries include Capitol Federal Savings Bank, Capitol Funds, Inc., Capital City Investments, Inc..
Where is Capitol Federal Financial headquartered?
Capitol Federal Financial is headquartered in United States of America and employs approximately 649 people. It has been publicly traded since 1999.