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Capitol Federal Financial CFFN Q3 2026 earnings

Reported July 29, 2026 · Before market open

Revenue$60.2MBeat by $1.5M
EPS$0.19Beat by $0.02
Revenue estimate$58.6M
EPS estimate$0.17
“We are seeing the expected results from the successful execution of our strategies of delivering a high‑quality consumer experience while continuing to scale our commercial capabilities. Our technology and product investments are resonating with commercial clients today, with expanded enhancements for trust and wealth customers arriving this summer.”
John B. Dicus

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

as of 10/02/26
See full
Market cap$1.04B+28.7%
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%

FAQ

When did Capitol Federal Financial report Q3 2026 earnings?
Capitol Federal Financial (CFFN) reported Q3 2026 earnings on July 29, 2026 before market open.
What were Capitol Federal Financial's Q3 2026 revenue and EPS?
Capitol Federal Financial reported revenue of $60.2M and eps of $0.19 for Q3 2026.
Did Capitol Federal Financial beat estimates in Q3 2026?
Revenue beat the consensus estimate of $58.6M by $1.5M. EPS beat the consensus estimate of $0.17 by $0.02.
How did Capitol Federal Financial's Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 18.5% from $50.7M a year earlier and eps grew 35.7% from $0.14.
Where can I find Capitol Federal Financial's Q3 2026 SEC filings?
You can read the 8-K earnings release (0001490906-26-000022) and the 10-Q periodic report (0001490906-26-000025) directly on SEC EDGAR. The filing index links above go to sec.gov.