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Capitol Federal Financial CFFN Q3 2025 earnings

Reported July 23, 2025 · Before market open

Revenue$50.7MMiss by $2.7M
EPS$0.14In line
Revenue estimate$53.5M
EPS estimate$0.14

Next report

Date not yet announced

Financials

Q3 2025

Income statement

See full
Revenue$50.7M+12.7%
Net income$18.4M+90.5%
EPS (diluted)$0.14+100%

Balance sheet

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Cash & equivalents$175.0M-44.9%
Total debt$2.1B-9.6%
Total equity$1.0B+2.5%
Total assets$9.7B+0.9%

Cash flow

See full
Operating cash flow$12.4M-35.1%
CapEx$1.6M-38.6%
Free cash flow$10.8M-34.5%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$775.3M+8.2%
Enterprise value$2.67B-0.7%
P/E12.7×—
P/S4×—

Profitability

See full
Net margin31.9%-293pp

Returns & leverage

See full
Return on equity5.9%+3.6pp
Debt / equity2×-0.3×

Segments

By product

See full
Deposit service fees$2.9M+5.9%
Insurance commissions$884.0K-2.3%

Versus estimates

Revenue

Q3 2026$60.2MBeat by $1.5MQ2 2026$57.7MBeat by $753.0KQ1 2026$56.8MBeat by $776.5KQ1 2026$53.9MMiss by $1.4M
Q3 2025$50.7MMiss by $2.7M
Q2 2025$47.9MMiss by $1.1M

Diluted EPS

Q3 2026$0.19Beat by $0.02Q2 2026$0.16Miss by $0.01Q1 2026$0.16Beat by $0.01Q1 2026$0.14In line
Q3 2025$0.14In line
Q2 2025$0.12Beat by $0.01

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Questions, answered.

When did Capitol Federal Financial report Q3 2025 earnings?
Capitol Federal Financial (CFFN) reported Q3 2025 earnings on July 23, 2025 before market open.
What were Capitol Federal Financial's Q3 2025 revenue and EPS?
Capitol Federal Financial reported revenue of $50.7M and eps of $0.14 for Q3 2025.
Did Capitol Federal Financial beat estimates in Q3 2025?
Revenue missed the consensus estimate of $53.5M by $2.7M. EPS beat the consensus estimate of $0.14 by $0.00.
How did Capitol Federal Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.5% from $44.3M a year earlier and eps grew 100.0% from $0.07.
Where can I find Capitol Federal Financial's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001490906-25-000021) directly on SEC EDGAR. The filing index links above go to sec.gov.