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Capitol Federal Financial CFFN Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

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TFS FinancialTFSL
$16.25M-21.1%

Other financials

Income statement

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Revenue$57.7M+18.3%
Net income$20.1M+30.8%
EPS (diluted)$0.16+33.3%

Balance sheet

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Cash & equivalents$330.9M-2.8%
Total debt$1.7B-20.3%
Total equity$1.0B-1.1%
Total assets$9.8B+1.1%

Cash flow

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Operating cash flow$21.4M+38.3%
CapEx$1.3M+72.2%
Free cash flow$20.1M+36.6%

Valuation

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Market cap$1.04B+38.8%
Enterprise value$2.42B-5.3%
P/E13.4×-0.9×
P/S4.8×+0.7×

Profitability

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Net margin35.3%+7.1pp
FCF margin30.3%—

Returns & leverage

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Return on equity7.5%+2.4pp
Debt / equity1.7×-0.4×

Where this comes from

Reported directly by Capitol Federal Financial in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: Capitol Federal Financial’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Capitol Federal Financial's reserve for ESOP debt retirement?
Capitol Federal Financial (CFFN) reported reserve for ESOP debt retirement of $23.95M in Q1 2026.
What does reserve for ESOP debt retirement mean?
This equity contra-account represents the unearned portion of shares or debt obligations associated with an Employee Stock Ownership Plan (ESOP). It reflects the financial commitment of the company to fund the retirement of debt incurred to acquire shares for employee benefit programs. Investors track this to understand the impact of employee compensation structures on the company's total shareholders' equity.