Capitol Federal Financial, Inc. (CFFN) SEC Filings & Earnings Calls
EquiReason read 17 Capitol Federal Financial, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-16 — Press release announcing annual meeting of stockholders date and record date; no material financial or operational event..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 1.1B
- P/E TTM
- 12.9
- Dividend yield
- 4.5%
- 52-week
- —
- Next earnings
- 28 Oct, in 4 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
24 Sep 20268-K · 5.02Capitol Federal Financial appointed William 'Billy' Skrobacz, Jr. as President of the Company and Bank, effective October 1, 2026. John B. Dicus remains Chairman and CEO.open
Figures in the filing · each found in the filing text
| Base salary · FY2026 | $460000.00 | |
| Equity award shares · 2026-09-22 | 22,500 |
Risks flagged
New President is son-in-law of Chairman/CEO, raising potential governance concerns
“Mr. Skrobacz is the son-in-law of John B. Dicus.” · word for word
22 Sep 20268-K · 5.02Principal Accounting Officer Tara Van Houweling resigns after 23 years; CFO Kent Townsend assumes role. Routine succession, no financial impact.open
Risks flagged
Loss of institutional knowledge from 23-year veteran; temporary accounting oversight gap until transition complete.
“Ms. Van Houweling served 23 years; departure effective Oct 9, 2026.”
7 Aug 202610-QCapitol Federal Financial reported Q3 2026 net income of $23.6M, up 28% YoY, driven by higher net interest income and lower provision.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q3-2026 | $53M | +18% y/y |
| Net income · Q3-2026 | $24M | +28% y/y |
| Total assets · 2026-06-30 | $9.66B | |
| Total deposits · 2026-06-30 | $6.85B | |
| EPS · Q3-2026 | $0.19 | +36% y/y |
| Allowance for credit losses · 2026-06-30 | $26M | |
| Nonaccrual loans · 2026-06-30 | $51M | |
| Cash and cash equivalents · 2026-06-30 | $136M | |
| Common stock repurchases · 9M-2026 | $46M |
Risks flagged
Credit risk from commercial real estate concentration
“The commercial real estate substandard loan amount presented in the "Current Fiscal Year" column is primarily related to two loans in the same borrowing relationship that were modified during the current fiscal year.” · word for word
Interest rate risk from securities portfolio
“The unrealized losses at June 30, 2026 were a result of an increase in market yields from the time the securities were purchased.” · word for word
Liquidity risk from declining cash
“Cash and cash equivalents decreased from $252.443M to $136.098M (-46.1%) since Sep 2025”
29 Jul 20268-K · 2.02, 7.01Q3 FY2026 net income $23.6M, net interest margin expanded to 2.31% from 2.24% prior quarter, commercial loan growth $155.2M, efficiency ratio improved to 52.10%.earningsopen
Figures in the filing · each found in the filing text
| net income · Q3-2026 | $24M | |
| net interest margin · Q3-2026 | 2.3% | |
| basic and diluted earnings per share · Q3-2026 | $0.19 | |
| efficiency ratio · Q3-2026 | 52.1% | |
| operating expense ratio · Q3-2026 | 1.3% | |
| total assets · Q3-2026 | $9.66B | |
| tangible book value per share · Q3-2026 | $8.04 | |
| commercial loans · Q3-2026 | $2.47B | +17% y/y |
| dividends paid per share · Q3-2026 | $0.09 |
8 May 202610-QNet interest income $52M (+19% y/y); Net income $20M (+31% y/y); Total assets $9.83Bopen
Figures in the filing · each found in the filing text
| Net interest income · Q2-2026 | $52M | +19% y/y |
| Net income · Q2-2026 | $20M | +31% y/y |
| Total assets · 2026-03-31 | $9.83B | |
| Deposits · 2026-03-31 | $6.92B | |
| Provision for credit losses · Q2-2026 | $2M | |
| Nonaccrual loans · 2026-03-31 | $55M | |
| Commercial real estate substandard loans · Commercial real estate · 2026-03-31 | $46M | |
| Allowance for credit losses · 2026-03-31 | $27M |
Risks flagged
Credit quality deterioration in commercial real estate
“Commercial real estate substandard loan amount presented in the 'Current Fiscal Year' column is primarily related to two loans in the same borrowing relationship that were modified during the current fiscal year. During the current quarter, an updated appraisal was received related to the collateral securing this lending relationship and as a result, a speci” · word for word
Increased nonaccrual loans
“Nonaccrual loans $ 54,638 $ 47,796”
29 Apr 20268-K · 2.02, 7.01Net income $20M; Net interest margin 2.24; Earnings per share $0.16earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $20M | |
| Net interest margin · Q2-2026 | 2.2% | |
| Earnings per share · Q2-2026 | $0.16 | |
| Efficiency ratio · Q2-2026 | 52.5% | |
| Total assets · 2026-03-31 | $9.83B | |
| Tangible book value per share · 2026-03-31 | $7.96 | |
| Commercial loans · commercial · 2026-03-31 | $2.32B | |
| Commercial deposits · commercial · 2026-03-31 | $548M |
Risks flagged
No material new risk factors highlighted.
6 Feb 202610-QCapitol Federal Financial reported Q1 FY2026 net income of $20.3M, up 31.6% year-over-year, driven by higher net interest income.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q1-2026 | $51M | +22% y/y |
| Net income · Q1-2026 | $20M | +32% y/y |
| Total deposits · 2025-12-31 | $6.76B | |
| Total assets · 2025-12-31 | $9.78B | |
| Provision for credit losses · Q1-2026 | $1M | +63% y/y |
| Nonaccrual loans · 2025-12-31 | $49M | |
| EPS · Q1-2026 | $0.16 | +33% y/y |
Risks flagged
Credit quality deterioration
“Provision for credit losses increased from $677k to $1.106M year-over-year.”
Commercial real estate concentration risk
“Two commercial real estate loans ($39.9M) modified with payment deferral, classified substandard and nonaccrual.”
29 Jan 20268-K · 5.07, 7.01Net income $68M (+79% y/y); Earnings Per Share (basic & diluted) $0.52 (+79% y/y); Total assets $9.78B (+3% y/y)open
Figures in the filing · each found in the filing text
| Net income · FY2025 | $68M | +79% y/y |
| Earnings Per Share (basic & diluted) · FY2025 | $0.52 | +79% y/y |
| Total assets · FY2025 | $9.78B | +3% y/y |
28 Jan 20268-K · 2.02, 7.01Net income $20M; Basic and diluted earnings per share $0.16; Net interest margin 2.19earningsopen
Figures in the filing · each found in the filing text
| Net income · Consolidated · Q1-2026 | $20M | |
| Basic and diluted earnings per share · Consolidated · Q1-2026 | $0.16 | |
| Net interest margin · Consolidated · Q1-2026 | 2.2% | |
| Total assets · Consolidated · 2025-12-31 | $9.78B | |
| Stockholders' equity · Consolidated · 2025-12-31 | $1.04B | |
| Commercial loans · Commercial · 2025-12-31 | $2.28B | |
| Commercial deposits · Commercial · 2025-12-31 | $528M | |
| Efficiency ratio · Consolidated · Q1-2026 | 53.7% | |
| Tangible book value per share · Consolidated · 2025-12-31 | $7.95 | |
| Share repurchases · Consolidated · Q1-2026 | 2,376,633 |
Risks flagged
Stockholders' equity decreased due to share repurchases and dividends, potentially reducing capital buffer.
“Stockholders' equity decreased during the current quarter due to strategic share repurchases and dividend payments.” · word for word
18 Dec 2025DEF 14AProxy statement filed for annual meeting; includes proposals to elect directors, advisory vote on executive compensation, approval of 2026 Omnibus Incentive Plan, and ratification of auditor.open
Figures in the filing · each found in the filing text
| Net Income · FY2025 | $68M |
17 Dec 20258-K · 7.01Special Dividend Per Share $0.04; Buyback Shares Repurchased 1,577,853; Buyback Average Cost $6.72open
Figures in the filing · each found in the filing text
| Special Dividend Per Share · 2026-01-23 | $0.04 | |
| Buyback Shares Repurchased · 2025-10-01 to 20 | 1,577,853 | |
| Buyback Average Cost · 2025-10-01 to 20 | $6.72 |
26 Nov 202510-KNet interest income $180M (+11% y/y); Net interest margin 1.96; Net income $68M (+79% y/y); Guidance: Non-interest expense +6% YoY; salary +9%; IT +11%; effective tax rate 19-20%open
Figures in the filing · each found in the filing text
| Net interest income · FY2025 | $180M | +11% y/y |
| Net interest margin · FY2025 | 2.0% | |
| Net income · FY2025 | $68M | +79% y/y |
| Total assets · FY2025 | $9.78B | +3% y/y |
| Total deposits · FY2025 | $6.59B | +8% y/y |
| Commercial loans · FY2025 | $1.78B | +29% y/y |
| Efficiency ratio · FY2025 | 58.3% | |
| Return on average assets · FY2025 | 0.7% | |
| Return on average equity · FY2025 | 6.5% | |
| Earnings per share · FY2025 | $0.52 | +79% y/y |
Guidance
Non-interest expense +6% YoY; salary +9%; IT +11%; effective tax rate 19-20%
Management expects continued NIM expansion from loan mix shift and rate cuts, with controlled expense growth and stable credit quality.
Risks flagged
Credit risk from commercial loan growth
“The increase in ACL for loans was due to commercial loan growth during the current fiscal year, partially offset by an update to the ACL model's regression analyses.” · word for word
Non-interest expense growth
“Overall, non-interest expense is projected to increase 6% in fiscal year 2026 from the fiscal year 2025 amount.” · word for word
Interest rate risk
“Changes in interest rates are our primary market risk as our balance sheet is almost entirely comprised of interest-earning assets and interest-bearing liabilities.” · word for word
29 Oct 20258-K · 2.02, 7.01Net income $68M (+79% y/y); net interest margin 1.96; diluted EPS $0.52 (+79% y/y)earningsopen
Figures in the filing · each found in the filing text
| net income · FY2025 | $68M | +79% y/y |
| net interest margin · FY2025 | 2.0% | |
| diluted EPS · FY2025 | $0.52 | +79% y/y |
| efficiency ratio · FY2025 | 58.3% | |
| total assets · FY2025 | $9.78B |
Risks flagged
Credit risk from commercial loan expansion; concentration risk in commercial real estate.
“commercial loans continue to grow as a percentage of our overall loan portfolio” · word for word
Capitol Federal Financial, Inc. — questions
- What did Capitol Federal Financial, Inc. file recently?
- 17 SEC filings in the last 12 months. Latest: 8-K on 2026-10-16 — Press release announcing annual meeting of stockholders date and record date; no material financial or operational event.
Every figure on this page comes from Capitol Federal Financial, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.