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Companies / Financials / Capitol Federal Financial, Inc.
CFFN

Capitol Federal Financial, Inc.

FinancialsBanks & Brokers
Ticker CFFNTOPEKA, KSFiscal year ends SeptemberBook value per share $8.07Diluted shares 126.5M

Capitol Federal Financial, Inc. (Nasdaq: CFFN) is a bank holding company whose wholly owned subsidiary, Capitol Federal Savings Bank, takes deposits and provides commercial and consumer banking services. It lends to businesses through commercial real estate and commercial and industrial loans, and to individuals… From the company’s description.

Over the twelve months to Jun 30, 2026, Capitol Federal Financial, Inc. reported revenue of $229.25M, up 19.4% from a year earlier, and net income of $82.83M. Its pre-tax margin was 44.7%. In fiscal 2025, it reported revenue of $201.04M, up 20.2% from fiscal 2024, and net income of $68.03M.

Fiscal year 2025 · ends 09-30Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$201.04MFY2025
+20.2% year over year
Last 12 mo $229.25M
41.30%FY2025
+9 percentage points
Last 12 mo 44.74%
$68.03MFY2025
+79.0% year over year
Last 12 mo $82.83M
6.49%FY2025
+2.8 percentage points
Last 12 mo 8.11%
Cash & financing
$55.04MFY2025
+76.5% year over year
Last 12 mo $77.85M
$49.84MFY2025
+107.7% year over year
Last 12 mo $71.53M
8.15FY2025
Was 8.05× a year earlier
Last 12 mo 8.31
130.0MFY2025
−0.5% year over year
Last 12 mo 126.5M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Capitol Federal Financial, Inc. does

In the company’s own words

Capitol Federal Financial, Inc. (Nasdaq: CFFN) is a bank holding company whose wholly owned subsidiary, Capitol Federal Savings Bank, takes deposits and provides commercial and consumer banking services. It lends to businesses through commercial real estate and commercial and industrial loans, and to individuals through one- to four-family residential mortgages and consumer loans, primarily home equity loans and lines of credit. Its deposit products include checking, savings, money market, certificates of deposit and retirement accounts; services for business customers include treasury management, while private banking and trust and wealth management offerings are expanding. The Bank serves customers through branches, in-store locations and digital channels, primarily in Kansas and parts of Missouri. At September 30, 2025, it operated 46 branches and had 678 employees. Its website is https://ir.capfed.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
TOPEKA, KS
Fiscal year end
September
CIK
1490906
SIC
6035

Financial performance, year by year

Fiscal 2012–2025 · USD
$-134.75M$-35.48M$63.79M$163.06M$262.34M20122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Capitol Federal Financial, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

249
funds hold it
0 of 35
superinvestors hold it
$410.33M
held by funds, at market
39.9%
of shares held by funds

Largest fund holders · Capitol Federal Financial, Inc.’s weight in each

iShares Core S&P Small-Cap ETF
IJR · iShares Trust
0.05%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.03%of fund net assets
VANGUARD SMALL-CAP INDEX FUND
VB · VANGUARD INDEX FUNDS
0.01%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Capitol Federal Financial, Inc. and its peers compare on margins and cash generation over ten years?”
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