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Capitol Federal Financial Inc

Capitol Federal Financial Inc

CFFN · NASDAQ · Financial Services / Banks - Regional

8.41USD-0.05 (-0.59%)

Price History

Full chart

Market Stats

Previous Close8.46
Open8.46
Day Range8.37 – 8.50
52-Week Range5.67 – 9.17
Volume522.80K
Market Cap1.07B
P/E (TTM)13.35
Forward P/E20.45
EPS0.65
Dividend Yield3.93%
Beta0.66
50-Day Avg8.75
200-Day Avg7.80

About

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 offers a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services and mortgage loan; operates a call center; and invests in various securities and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. John B. Dicus
  • Employees604
  • Headquarters700 South Kansas Avenue, Topeka, KS, United States, 66603, USA
  • Websitehttps://capfed.com

Leadership

  • Mr. John B. DicusChairman, President & CEO · b. 1961
  • Mr. Kent G. TownsendExecutive VP, CFO & Treasurer · b. 1961
  • Ms. Natalie G. Haag J.D.Executive VP, General Counsel & Corporate Secretary - submit · b. 1959
  • Mr. Rick Cordell JacksonChief Lending Officer and Executive VP · b. 1965
  • Mr. Anthony S. Barry J.D.Executive VP & Chief Corporate Services Officer · b. 1965
  • Ms. Tara D. Van HouwelingFirst VP, Principal Accounting Officer & Reporting Director · b. 1974
  • Mr. William Joseph Skrobacz Jr.Executive VP & Chief Retail Operations Officer · b. 1992

Financials

Income Statement

Currency: USD1998-09-301999-09-302000-09-302001-09-302002-09-302003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Total Revenue250.15M409.77M533.15M597.08M586.69M484.70M408.38M423.42M436.19M435.52M440.83M441.38M403.16M366.70M346.90M314.33M305.46M308.51M314.97M330.10M338.31M349.43M321.69M278.75M299.57M185.64M379.37M417.40M
Growth (%)-+63.81%+30.11%+11.99%-1.74%-17.38%-15.75%+3.68%+3.02%-0.16%+1.22%+0.12%-8.66%-9.04%-5.40%-9.39%-2.82%+1.00%+2.09%+4.80%+2.49%+3.29%-7.94%-13.35%+7.47%-38.03%+104.36%+10.03%
Cost of Revenue237.36M253.40M350.61M410.53M370.93M326.85M268.71M244.42M284.15M304.88M278.69M242.53M213.37M182.19M145.21M119.33M107.51M108.36M108.18M117.80M123.12M124.31M137.94M74.67M82.32M213.35M216.04M219.95M
Gross Profit12.79M156.37M182.54M186.54M215.76M157.85M139.67M179.01M152.04M130.63M162.14M198.84M189.79M184.51M201.69M195.01M197.94M200.15M206.79M212.29M215.19M225.12M183.74M204.08M217.26M-27.71M163.33M197.45M
Gross Margin5.11%38.16%34.24%31.24%36.78%32.57%34.20%42.28%34.86%29.99%36.78%45.05%47.08%50.32%58.14%62.04%64.80%64.88%65.65%64.31%63.61%64.42%57.12%73.21%72.52%-14.93%43.05%47.30%
Operating Expense-75.98M86.97M61.66M63.19M68.73M72.56M309.00M73.63M73.34M77.72M81.99M93.62M84.43M127.16M85.69M89.44M82.79M84.38M84.85M84.37M91.28M104.47M103.11M108.06M110.05M111.24M109.22M114.43M
Operating Income88.77M69.40M120.87M123.35M147.04M85.29M-169.33M105.38M78.70M52.91M80.16M105.22M105.36M57.35M116.00M105.57M115.15M115.77M121.94M127.92M123.91M120.65M80.63M96.03M107.20M-138.96M54.10M83.02M
Operating Margin35.49%16.94%22.67%20.66%25.06%17.60%-41.46%24.89%18.04%12.15%18.18%23.84%26.13%15.64%33.44%33.58%37.70%37.52%38.71%38.75%36.63%34.53%25.06%34.45%35.79%-74.85%14.26%19.89%
EBITDA87.80M67.50M122.17M130.74M150.09M116.34M-140.89M120.60M88.67M57.30M86.30M110.36M109.95M61.75M120.95M111.02M121.47M122.61M129.08M135.72M132.60M132.11M91.73M106.98M117.94M-128.85M62.81M90.74M
EBITDA Margin35.10%16.47%22.91%21.90%25.58%24.00%-34.50%28.48%20.33%13.16%19.58%25.00%27.27%16.84%34.87%35.32%39.77%39.74%40.98%41.11%39.19%37.81%28.51%38.38%39.37%-69.41%16.56%21.74%
Net Income53.99M42.90M76.34M77.78M89.59M52.03M-106.28M65.06M48.12M32.30M50.95M66.30M67.84M38.40M74.51M69.34M77.69M78.09M83.49M84.14M98.93M94.24M64.54M76.08M84.45M-101.66M38.01M68.03M
Net Income Margin21.58%10.47%14.32%13.03%15.27%10.73%-26.02%15.37%11.03%7.42%11.56%15.02%16.83%10.47%21.48%22.06%25.44%25.31%26.51%25.49%29.24%26.97%20.06%27.29%28.19%-54.76%10.02%16.30%
Interest Expense234.90M253.00M350.12M410.46M370.74M326.85M268.64M244.20M283.90M305.11M276.64M236.14M204.49M178.13M143.17M120.39M106.10M107.59M108.93M117.80M123.12M123.56M115.64M83.18M86.95M206.52M214.78M219.21M
Interest Expense % of Total Revenue93.90%61.74%65.67%68.74%63.19%67.43%65.78%57.67%65.09%70.06%62.75%53.50%50.72%48.58%41.27%38.30%34.74%34.88%34.58%35.69%36.39%35.36%35.95%29.84%29.02%111.25%56.62%52.52%

Balance Sheet

Currency: USD1998-09-301999-09-302000-09-302001-09-302002-09-302003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Total Assets5.32B6.54B8.27B8.64B8.78B8.58B8.54B8.41B8.20B7.68B8.06B8.40B8.49B9.45B9.38B9.19B9.87B9.84B9.27B9.19B9.45B9.34B9.49B9.63B9.62B10.18B9.53B9.78B
Total Liabilities4.65B5.49B7.28B7.59B7.79B7.61B7.71B7.54B7.34B6.81B7.18B7.46B7.53B7.51B7.57B7.55B8.37B8.43B7.87B7.82B8.06B8.00B8.20B8.39B8.53B9.13B8.50B8.73B
Total Equity662.33M1.05B986.21M1.05B987.43M976.45M832.41M865.06M863.22M867.63M871.22M941.30M961.95M1.94B1.81B1.63B1.49B1.42B1.39B1.37B1.39B1.34B1.28B1.24B1.10B1.04B1.03B1.05B
Cash24.45M22.30M133.03M153.46M452.34M41.92M171.53M58.57M183.24M162.79M87.14M41.15M65.22M121.07M141.71M113.89M810.84M772.63M281.76M351.66M139.06M220.37M185.15M42.26M49.19M245.60M217.31M252.44M
Total Debt500.00M1.52B3.23B3.24B3.30B3.28B3.50B3.48B3.32B2.79B3.16B3.11B3.02B2.89B2.90B2.83B3.59B3.47B2.57B2.37B2.40B2.24B1.79B1.58B2.13B2.38B2.18B1.95B
Net Debt475.55M1.50B3.09B3.09B2.85B3.24B3.33B3.42B3.14B2.62B3.07B3.07B2.95B2.77B2.76B2.72B2.78B2.70B2.29B2.02B2.26B2.02B1.60B1.54B2.08B2.13B1.96B1.70B

Cash Flow

Currency: USD1998-09-301999-09-302000-09-302001-09-302002-09-302003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Operating Cash Flow58.22M66.90M92.67M95.99M-24.58M229.93M89.20M100.36M81.56M446.71M81.72M190.72M59.16M65.78M106.24M101.72M91.79M86.61M84.96M85.44M124.16M80.95M92.93M74.47M97.30M972.00K31.18M55.04M
Investing Cash Flow-396.55M-1.25B-1.61B-347.94M283.98M-408.67M210.68M-12.60M313.85M96.67M-472.58M-440.55M-38.49M-933.32M76.85M116.29M27.98M-18.50M99.49M146.28M-21.57M233.26M-151.29M-326.67M-167.58M-329.10M629.11M-206.59M
Financing Cash Flow331.60M1.18B1.63B272.38M39.49M-231.68M-170.27M-200.72M-270.73M-563.83M315.21M203.85M3.39M923.39M-162.45M-245.83M577.19M-106.32M-675.32M-161.83M-315.20M-199.56M44.37M82.78M49.18M-359.79M-688.59M186.68M
Capital Expenditure5.63M4.40M3.58M2.09M4.51M6.64M2.19M2.65M2.68M4.63M8.72M13.05M8.18M12.75M12.62M18.77M7.23M12.02M14.85M9.13M11.76M11.73M14.74M9.41M5.56M5.46M7.18M5.20M
Free Cash Flow52.59M62.50M89.09M93.90M-29.10M223.30M89.20M97.72M78.89M442.09M73.00M177.66M50.98M53.03M93.62M82.95M84.56M74.59M70.10M76.32M112.40M69.22M78.19M65.06M91.74M972.00K24.00M49.84M
Dividends Paid-7.30M14.07M14.21M14.15M41.61M55.34M38.69M46.95M43.00M41.43M44.07M48.40M150.11M63.77M146.82M138.17M114.16M111.77M117.96M118.31M134.93M93.86M117.89M103.13M359.79M44.52M44.25M
FCF to OCF90.33%93.42%96.14%97.82%118.36%97.11%100.00%97.36%96.72%98.96%89.33%93.16%86.17%80.62%88.12%81.55%92.13%86.12%82.52%89.32%90.53%85.51%84.14%87.36%94.29%100.00%76.96%90.55%
Dividend Paid to FCF-11.68%15.79%15.14%-48.62%18.63%62.04%39.59%59.51%9.73%56.75%24.80%94.94%283.04%68.11%177.00%163.40%153.06%159.43%154.57%105.26%194.94%120.05%181.21%112.41%37015.33%185.51%88.79%

Earnings

Report DateJun 30, 1999Sep 30, 1999Dec 31, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Jan 24, 2001Apr 25, 2001Jul 25, 2001Oct 31, 2001Jan 23, 2002Apr 24, 2002Jul 24, 2002Nov 6, 2002Jan 22, 2003May 12, 2003Aug 11, 2003Nov 12, 2003Feb 4, 2004May 5, 2004Aug 4, 2004Nov 15, 2004Feb 4, 2005May 5, 2005Aug 4, 2005Nov 10, 2005Feb 6, 2006May 5, 2006Aug 4, 2006Nov 10, 2006Feb 5, 2007May 7, 2007Aug 6, 2007Nov 9, 2007Feb 4, 2008May 5, 2008Aug 4, 2008Nov 12, 2008Feb 4, 2009May 5, 2009Aug 4, 2009Nov 9, 2009Feb 4, 2010May 10, 2010Jul 27, 2010Nov 17, 2010Feb 9, 2011May 10, 2011Jul 29, 2011Oct 31, 2011Jan 30, 2012Apr 30, 2012Jul 30, 2012Oct 31, 2012Jan 29, 2013Apr 29, 2013Jul 29, 2013Oct 30, 2013Jan 29, 2014Apr 28, 2014Jul 28, 2014Oct 29, 2014Jan 29, 2015Apr 29, 2015Jul 29, 2015Oct 29, 2015Jan 28, 2016Apr 28, 2016Jul 28, 2016Oct 27, 2016Jan 27, 2017Apr 27, 2017Jul 27, 2017Oct 27, 2017Jan 29, 2018Apr 30, 2018Jul 30, 2018Oct 26, 2018Jan 29, 2019Apr 29, 2019Jul 30, 2019Oct 30, 2019Jan 30, 2020Apr 29, 2020Jul 29, 2020Oct 28, 2020Jan 28, 2021Apr 29, 2021Jul 29, 2021Oct 28, 2021Jan 28, 2022Apr 27, 2022Jul 27, 2022Oct 26, 2022Jan 25, 2023Apr 26, 2023Jul 26, 2023Oct 25, 2023Jan 24, 2024Apr 24, 2024Jul 24, 2024Oct 23, 2024Jan 29, 2025Apr 23, 2025Jul 23, 2025Oct 29, 2025Jan 28, 2026Apr 29, 2026Jul 29, 2026Nov 4, 2026
EPS Estimate------0.100.110.110.110.120.120.130.130.130.110.070.060.050.050.060.100.100.100.100.090.070.070.080.060.060.050.050.040.040.060.080.090.100.090.100.100.100.100.090.100.070.100.100.110.100.120.130.110.120.120.120.120.130.130.140.140.150.150.140.140.160.160.150.150.160.160.160.160.160.190.170.180.190.180.180.160.170.140.120.120.120.120.130.120.140.140.160.150.130.110.060.030.060.110.110.080.110.110.120.140.140.160.170.19
EPS Actual0.080.080.090.100.100.110.110.110.110.110.120.130.130.160.170.080.050.020.030.060.060.100.110.110.100.080.080.080.070.060.060.050.040.040.050.070.090.100.100.110.090.100.130.090.100.090.090.100.100.100.120.120.120.110.120.120.130.110.120.140.140.150.150.140.140.140.160.160.150.160.150.160.160.150.160.170.170.160.180.180.170.160.160.030.140.130.140.150.130.140.160.160.160.140.120.110.060.040.100.110.070.090.120.120.140.140.160.160.19-
Surprise------10.00%0.00%0.00%0.00%0.00%8.33%0.00%23.08%30.77%-27.27%-28.57%-66.67%-40.00%20.00%0.00%0.00%10.00%10.00%0.00%-11.11%14.29%14.29%-12.50%0.00%0.00%0.00%-20.00%0.00%25.00%16.67%12.50%11.11%0.00%22.22%-10.00%0.00%30.00%-10.00%11.11%-10.00%28.57%0.00%0.00%-9.09%20.00%0.00%-7.69%0.00%0.00%0.00%8.33%-8.33%-7.69%7.69%0.00%7.14%0.00%-6.67%0.00%0.00%0.00%0.00%0.00%6.67%-6.25%0.00%0.00%-6.25%0.00%-10.53%0.00%-11.11%-5.26%0.00%-5.56%0.00%-5.88%-78.57%16.67%8.33%16.67%25.00%0.00%16.67%14.29%14.29%0.00%-6.67%-7.69%0.00%0.00%33.33%66.67%0.00%-36.36%12.50%9.09%9.09%16.67%0.00%14.29%0.00%11.76%-
Timing---------Pre-marketPre-marketPre-marketPre-market-Pre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-

Key Statistics & Ratios

Market Cap1.07B
Enterprise Value2.57B
Trailing P/E13.35
Forward P/E20.45
PEG Ratio4.09
Price / Sales4.74
Price / Book1.07
EPS0.65
Book Value8.29
Revenue (TTM)225.68M
Gross Profit (TTM)225.68M
Profit Margin36.70%
Operating Margin50.09%
Return on Equity8.01%
Return on Assets0.86%
Shares Outstanding123.37M
Shares Float106.19M
Beta0.66
Dividend Yield3.93%
Dividend Rate0.34
Payout Ratio45.38%

Analyst Ratings

Hold
Based on 2 analystsTarget 9.50
  • Hold
    2

Ownership Breakdown

Institutions
83.33%
Insiders
8.15%
Retail / Other
8.52%

Top Institutional Holders

  • BlackRock Inc
    18.17M14.73%
  • Dimensional Fund Advisors, Inc.
    7.28M5.90%
  • Vanguard Portfolio Management, LLC
    6.69M5.42%
  • HoldCo Asset Management, L.P.
    6.47M5.24%
  • State Street Corp
    6.07M4.92%
  • Vanguard Capital Management, LLC
    5.19M4.21%
  • Renaissance Technologies Corp
    4.17M3.38%
  • AQR Capital Management LLC
    3.79M3.07%
  • Arrowstreet Capital Limited Partnership
    3.26M2.65%
  • Geode Capital Management, LLC
    3.09M2.50%
  • Millennium Management LLC
    2.67M2.16%
  • American Century Companies Inc
    2.63M2.13%
  • Amvescap Plc.
    1.99M1.61%
  • Morgan Stanley - Brokerage Accounts
    1.88M1.52%
  • The Goldman Sachs Group Inc
    1.85M1.50%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    7.12M5.78%
  • Vanguard MStar Total Stk Mkt Idx Invest
    3.62M2.93%
  • iShares Russell 2000 ETF
    3.07M2.49%
  • Avantis US Small Cap Value ETF
    2.63M2.13%
  • Vanguard Small Cap Index
    2.62M2.13%

Dividends

20265×
0.09Nov 6, 20260.09Aug 7, 20260.09May 1, 20260.09Feb 6, 20260.04Jan 9, 2026
20254×
0.09Nov 7, 20250.09Aug 1, 20250.09May 2, 20250.09Feb 7, 2025
20244×
0.09Nov 1, 20240.09Aug 2, 20240.09May 2, 20240.09Feb 1, 2024
20234×
0.09Nov 2, 20230.09Aug 3, 20230.09May 4, 20230.09Feb 2, 2023
20226×
0.28Nov 17, 20220.09Nov 3, 20220.09Aug 4, 20220.20Jun 9, 20220.09May 5, 20220.09Feb 3, 2022
20211×
0.22Nov 18, 2021

Stock Splits

  • Dec 22, 201022637:10000