Capitol Federal Financial, Inc.
CFFNNasdaq
$8.62
↓ -1.9%Jul 17 close · end-of-day
Price
1Y↑ +47.3%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$1.1B
Enterprise Value
$760.6M
P/E
14.4
P/S
—
P/B
1.1
EV/EBITDA
—
PEG
—
FCF Yield
6.1%
Dividend Yield
4.4%
Revenue (TTM)
—
Net Income (TTM)
$77.6M
Free Cash Flow (TTM)
$66.6M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
7.6%
ROIC
—
Debt / Equity
—
Net Cash
$330.9M
Return 1Y
+46.1%
Company profile
Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposits. It also provides various loan products, such as one- to four-family residential real estate loans; construction-to-permanent loans; consumer loans comprising home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits; and commercial real estate loans that include various property types, which comprise hotels, office and retail buildings, senior housing facilities, and multi-family dwellings. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; invests in various securities; and engages in the real estate businesses. It operates a network of 54 branches, including 45 traditional branches and 9 in-store branches located in nine counties throughout Kansas and three counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, as well as the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.
- CEO
- John B. Dicus
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 730
- Headquarters
- Kansas
- Website
- capfed.com
Management & directors
- Barry Anthony S.Executive Vice President
- Dicus John BChairman, President and CEO
- Haag Natalie G.Executive Vice President
- Jackson Rick CExecutive Vice President
- Townsend Kent GExecutive Vice President
- Van Houweling TaraPrincipal Accounting Officer
Roles derived from SEC Form 4 filings.
Earnings
CFFN Q2 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.16↑ +33.3%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $14.8M | $16.5M | $18.1M | $17.6M | $15.3M | $16.3M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $64.5M | $76.1M | $84.5M | -$101.7M | $38.0M | $68.0M |
| Diluted EPS | $0.47 | $0.56 | $0.62 | -$0.76 | $0.29 | $0.52 |
| Operating cash flow | $92.9M | $74.5M | $97.3M | $47.5M | $31.2M | $55.0M |
| Free cash flow | $78.2M | $65.1M | $91.7M | $41.3M | $24.0M | $49.8M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 436.1% | 461.1% | 466.6% | -577.6% | 248.4% | 417.3% |
| Line item | Q3 '24 | Q4 '24 | Q2 '24 | Q2 '25 | Q3 '25 | Q4 '25 | Q2 '25 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $9.6M | $12.1M | $15.4M | $15.4M | $18.4M | $18.8M | $20.3M | $20.1M |
| Diluted EPS | $0.07 | $0.09 | $0.12 | $0.12 | $0.14 | $0.14 | $0.16 | $0.16 |
| Operating cash flow | $19.1M | -$3.1M | $5.6M | $15.5M | $12.4M | $21.5M | $17.4M | $21.4M |
| Free cash flow | $16.4M | -$4.9M | $4.5M | $14.7M | $10.8M | $19.9M | $15.8M | $20.1M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Jun 29, 2026
May 27, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2025-12-31 | DICUS JOHN B· Chairman, President and CEO | Option exercise | 17,341 | $8.65 | $149,999.65 | filing |
| 2025-12-31 | DICUS JOHN B· Chairman, President and CEO | D | 17,341 | $6.81 | $118,092.21 | filing |
| 2025-12-31 | TOWNSEND KENT G· Executive Vice President | Option exercise | 12,439 | $8.65 | $107,597.35 | filing |
| 2025-12-31 | TOWNSEND KENT G· Executive Vice President | D | 12,439 | $6.81 | $84,709.59 | filing |
| 2025-12-31 | Jackson Rick C· Executive Vice President | Option exercise | 9,147 | $8.65 | $79,121.55 | filing |
| 2025-12-31 | Haag Natalie G.· Executive Vice President | Option exercise | 8,727 | $8.65 | $75,488.55 | filing |
| 2025-12-31 | Barry Anthony S.· Executive Vice President | Option exercise | 8,080 | $8.65 | $69,892.00 | filing |
| 2025-12-31 | Jackson Rick C· Executive Vice President | D | 9,147 | $6.81 | $62,291.07 | filing |
| 2025-12-31 | Haag Natalie G.· Executive Vice President | D | 8,727 | $6.81 | $59,430.87 | filing |
| 2025-12-31 | Barry Anthony S.· Executive Vice President | D | 8,080 | $6.81 | $55,024.80 | filing |
| 2025-12-31 | Van Houweling Tara· Principal Accounting Officer | Option exercise | 2,825 | $8.65 | $24,436.25 | filing |
| 2025-12-31 | Van Houweling Tara· Principal Accounting Officer | D | 2,825 | $6.81 | $19,238.25 | filing |
| 2025-10-31 | Jackson Rick C· Executive Vice President | Buy | 8,000 | $6.05 | $48,399.20 | filing |
| 2025-10-31 | Jackson Rick C· Executive Vice President | Buy | 2,000 | $6.05 | $12,099.80 | filing |
| 2025-07-28 | DICUS JOHN B· Chairman, President and CEO | W | 414,443 | $0.00 | $0.00 | filing |
| 2025-07-28 | DICUS JOHN B· Chairman, President and CEO | W | 233,464 | $0.00 | $0.00 | filing |
| 2025-07-28 | DICUS JOHN B· Chairman, President and CEO | W | 817,451 | $0.00 | $0.00 | filing |
| 2025-07-28 | DICUS JOHN B· Chairman, President and CEO | W | 11,437 | $0.00 | $0.00 | filing |
| 2025-07-28 | DICUS JOHN B· Chairman, President and CEO | W | 466,928 | $0.00 | $0.00 | filing |
Latest 19 transactions.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.