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Capitol Federal Financial CFFN Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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JPMorgan ChaseJPM
$23B+12.9%
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$306.35M+11.6%
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$47.28M+8.5%
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$38.49M+9.9%
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Customers BancorpCUBI
$170.3M+9.2%

Other financials

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

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Market cap$1.1B+41.3%
Enterprise value$2.6B-3.0%
P/E13.2×+0.6×
P/S4.8×+0.7×

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×

Where this comes from

Reported directly by Capitol Federal Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Capitol Federal Financial’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 10:50 AM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q2 2026
Accession
0001490906-26-000025
CAPITOL FEDERAL FINANCIAL, INC. AND SUBSIDIARY / CONSOLIDATED STATEMENTS OF INCOME (Unaudited) / (Dollars in thousands, except per share amounts)CAPITOL FEDERAL FINANCIAL, INC. AND SUBSIDIARY / CONSOLIDATED STATEMENTS OF INCOME (Unaudited) / (Dollars in thousands, except per share amounts) / For the Three Months Ended / June 30, 2026CAPITOL FEDERAL FINANCIAL, INC. AND SUBSIDIARY / CONSOLIDATED STATEMENTS OF INCOME (Unaudited) / (Dollars in thousands, except per share amounts) / For the Nine Months Ended / June 30, 2025CAPITOL FEDERAL FINANCIAL, INC. AND SUBSIDIARY / CONSOLIDATED STATEMENTS OF INCOME (Unaudited) / (Dollars in thousands, except per share amounts) / For the Nine Months Ended / June 30, 20262025
NET INTEREST INCOME53,48345,458157,066131,528
PROVISION FOR CREDIT LOSSES(433)(451)3,045226
NET INTEREST INCOME AFTER
PROVISION FOR CREDIT LOSSES53,91645,909154,021131,302
NON-INTEREST INCOME:
Deposit service fees2,9872,8678,5498,170
Income from bank-owned life insurance ("BOLI")1,8567593,9722,053
Insurance commissions8388842,1392,587

Item 1. Financial Statements (Unaudited)

FAQ

What is Capitol Federal Financial's net interest income (after provisions)?
Capitol Federal Financial (CFFN) reported net interest income (after provisions) of $53.92M in Q2 2026.
How has Capitol Federal Financial's net interest income (after provisions) changed year-over-year?
Capitol Federal Financial's net interest income (after provisions) increased by 17.4% year-over-year, from $45.91M to $53.92M.
What is the long-term trend for Capitol Federal Financial's net interest income (after provisions)?
Over 4 years (2021 to 2025), Capitol Federal Financial's net interest income (after provisions) has grown at a -0.5% compound annual growth rate (CAGR), from $183.51M to $179.57M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which accounts for expected future loan defaults. It provides a more accurate view of the bank's net earnings after accounting for the inherent risk in its loan portfolio.

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