Capitol Federal Financial, Inc. (CFFN)
Nasdaq · Savings Institution, Federally Chartered · Finance, insurance and real estate · CIK 1490906 · fiscal year ends in Sep
Closing price $8.53 on 29 Oct 2026; 52-week range $6.02 to $9.19.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $229.2M
- Revenue growth
- 19.4%
- Net income, last twelve months
- $82.8M
- Earnings per share
- $0.65
- Net margin
- 36.1%
- Free cash flow
- $71.5M
- Return on equity
- 8.1%
- Market value
- $1.1B
- Price to earnings
- 13.1x
- Dividend yield
- 4.5%
- Cash
- $136.1M
- Debt
- $1.6B
- Debt to equity
- 1.60
- Shares outstanding
- 125.9M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 30 Sep 2025 | $201.0M | – | $68.0M | $0.52 | $49.8M | 10-K filed 26 Nov 2025 |
| FY2024 | 30 Sep 2024 | $167.3M | – | $38.0M | $0.29 | $24.0M | 10-K filed 27 Nov 2024 |
| FY2023 | 30 Sep 2023 | -$18.2M | – | -$101.7M | -$0.76 | $41.3M | 10-K filed 29 Nov 2023 |
| FY2022 | 30 Sep 2022 | $215.4M | – | $84.5M | $0.62 | $91.7M | 10-K filed 23 Nov 2022 |
| FY2021 | 30 Sep 2021 | $203.1M | – | $76.1M | $0.56 | $65.1M | 10-K filed 24 Nov 2021 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q3 FY2026 | 30 Jun 2026 | $60.2M | $23.6M | $0.19 |
| Q2 FY2026 | 31 Mar 2026 | $57.7M | $20.1M | $0.16 |
| Q1 FY2026 | 31 Dec 2025 | $56.8M | $20.3M | $0.16 |
| Q4 FY2025 | 30 Sep 2025 | $54.6M | $18.8M | $0.14 |
| Q3 FY2025 | 30 Jun 2025 | $50.7M | $18.4M | $0.14 |
| Q2 FY2025 | 31 Mar 2025 | $48.8M | $15.4M | $0.12 |
| Q1 FY2025 | 31 Dec 2024 | $46.9M | $15.4M | $0.12 |
| Q4 FY2024 | 30 Sep 2024 | $45.6M | $12.1M | $0.09 |
Company events
The newest 8-K filings of 170 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 28 Oct 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 16 Oct 2026 | 8-K | Other events | 8.01, 9.01 |
| 24 Sep 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 22 Sep 2026 | 8-K | Leadership change | 5.02 |
| 29 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 29 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 2 Feb 2026 | 8-K/A | Leadership change | 5.02 |
| 29 Jan 2026 | 8-K | Shareholder vote, Investor update | 5.07, 7.01, 9.01 |
| 28 Jan 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 23 Jan 2026 | 8-K | Investor update | 7.01, 9.01 |
| 17 Dec 2025 | 8-K | Investor update | 7.01, 9.01 |
| 29 Oct 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
Every filing
The newest filings with the SEC of 307 held.
| Filed | Form | Period |
|---|---|---|
| 28 Oct 2026 | 8-K | 27 Oct 2026 |
| 16 Oct 2026 | 8-K | 16 Oct 2026 |
| 24 Sep 2026 | 8-K | 22 Sep 2026 |
| 22 Sep 2026 | 8-K | 18 Sep 2026 |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 29 Jul 2026 | 8-K | 28 Jul 2026 |
| 8 May 2026 | 10-Q | 31 Mar 2026 |
| 29 Apr 2026 | 8-K | 28 Apr 2026 |
| 8 Apr 2026 | S-8 | – |
| 6 Feb 2026 | 10-Q | 31 Dec 2025 |
| 2 Feb 2026 | 8-K/A | 27 Jan 2026 |
| 29 Jan 2026 | 8-K | 27 Jan 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 31 Oct 2025 | Jackson Rick C, Executive Vice President | Purchase | 8,000 | $6.05 | $48.4K | 156,752 | 3 Nov 2025 |
| 31 Oct 2025 | Jackson Rick C, Executive Vice President | Purchase | 2,000 | $6.05 | $12.1K | 59,676 | 3 Nov 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 7 Aug 2026 | STATE STREET CORPORATION | 13G | 5% | 6.4M |
| 5 May 2026 | HoldCo Opportunities Fund V, L.P. | 13D | 5.1% | 6.5M |
| 29 Apr 2026 | Vanguard Portfolio Management | 13G | 5.21% | 6.8M |
| 9 Apr 2026 | Dimensional Fund Advisors LP | 13G | 5.2% | 6.8M |
| 26 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 21 Jan 2026 | Dimensional Fund Advisors LP | 13G amended | 5% | 6.5M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 7.3M | +2.87% | 6.7 |
| 30 Sep 2026 | 7.1M | -0.62% | 6.13 |
| 15 Sep 2026 | 7.1M | +9.17% | 9.06 |
| 31 Aug 2026 | 6.5M | +3.87% | 8.65 |
| 14 Aug 2026 | 6.3M | -5.89% | 7.7 |
| 31 Jul 2026 | 6.7M | +8.81% | 7.2 |
| 15 Jul 2026 | 6.1M | +0.98% | 9.29 |
| 30 Jun 2026 | 6.1M | +0.49% | 6.1 |
Funds that hold it
From each fund's latest Form 13F.
273 funds held it at 30 Jun 2026: 102 added and 81 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 17,921,879 | $152.5M | -245,724 |
| Dimensional Fund Advisors LP | 7,280,795 | $62.0M | +490,665 |
| Vanguard Portfolio Management LLC | 6,621,659 | $56.4M | -65,855 |
| HoldCo Asset Management, LP | 6,466,059 | $55.0M | 0 |
| State Street Corp. | 6,389,952 | $54.4M | +319,637 |
| Vanguard Capital Management LLC | 5,073,463 | $43.2M | -116,338 |
| Renaissance Technologies LLC | 3,798,497 | $32.3M | -370,400 |
| AQR Capital Management LLC | 3,656,717 | $31.1M | -133,465 |
| Arrowstreet Capital, Limited Partnership | 3,295,983 | $28.0M | +31,837 |
| Geode Capital Management, LLC | 3,204,285 | $27.3M | +117,644 |
Peers
Companies in the same industry.
- HSBC Holdings plc (HSBC): revenue $68.3B, market value $297.5B
- Axos Financial, Inc. (AX): revenue $1.6B, market value $5.3B
- Eastern Bankshares, Inc. (EBC): revenue $1.1B, market value $5.2B
- TFS Financial Corp. (TFSL): revenue $343.7M, market value $4.7B
- BankUnited, Inc. (BKU): revenue $1.1B, market value $3.1B
- Provident Financial Services Inc. (PFS): revenue $907.3M, market value $3.0B
- HomeTrust Bancshares, Inc. (HTB): revenue $216.6M, market value $791.9M
- Kearny Financial Corp. (KRNY): revenue $178.1M, market value $596.4M
- Ponce Financial Group, Inc. (PDLB): revenue $120.0M, market value $548.7M
- Northrim Bancorp Inc. (NRIM): revenue $220.5M, market value $538.5M