Saturday 17 October 2026 Export CFFN’s income statement to Excel — free account

Capitol Federal Financial

In the quarter to June 2026, revenue grew 6.50%, EPS grew 35.7%, free cash flow grew 45.7% and total debt fell 21.0%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

8.17 0.07 −0.85%

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Market cap: $1.0B
P/E: 12.6×
Fwd P/E: 11.9×
Dividend yield: 4.16%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 6.96%

Capital & Financial Ratios $m

Market Cap 1,040.00

Revenue 443.11

Net Income 82.84

Free Cash Flow 71.53

Net Debt 1,500.15

Current Ratio 1.20

Debt/Equity 1.60

P/E ratio 12.57

Fwd P/E 11.90

P/S ratio 2.29

P/B ratio 0.99

Past 5Y EPS Growth 2.04%

This Y EPS Growth 31.73%

Next Y EPS Growth 13.14%

Next Y revenue growth (44.01%)

Next 5Y EPS Growth 17.33%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 6.50%

10-year low 10-year high

P/S against its own 10 years 17.47%

10-year low 10-year high

P/B against its own 10 years 30.93%

10-year low 10-year high

Dividends

Payout Ratio 0.52

Annual Dividend Rate 0.34

Annual Dividend Yield 4.16%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.38	0.04 0.09 0.09 0.09
2025	0.34	0.09 0.09 0.09 0.09
2024	0.34	0.09 0.09 0.09 0.09
2023	0.34	0.09 0.09 0.09 0.09
2022	0.34	0.09 0.09 0.20 0.09 0.09 0.28
2021	0.34	0.09 0.09 0.40 0.09 0.09 0.22
2020	0.34	0.09 0.09 0.09 0.09 0.13
2019	0.34	0.09 0.09 0.25 0.09 0.09 0.34
2018	0.34	0.09 0.09 0.25 0.09 0.09 0.39
2017	0.34	0.09 0.09 0.25 0.09 0.09 0.29
2016	0.34	0.09 0.09 0.25 0.09 0.09 0.29

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	246	217	252	136
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	8,225	8,125	8,365	8,304

	2023	2024	2025	Q'26
Payables	6,051	6,130	6,591	6,851
ST’ Debt	—	—	—	—
Other	—	—	—	—
	6,114	6,192	6,657	6,891

Compound Annual Growth %

	10y	5y	3y
Sales	2.81%	5.30%	11.60%
Cash Flow	(4.43%)	(9.94%)	(17.30%)
Earnings	(1.38%)	1.03%	(6.98%)
Book Value	(2.97%)	(4.00%)	(1.51%)

Revenue $m

	Dec	Mar	Jun	Sep	Year
’26	111	110	112	—	—
’25	102	103	105	110	420
’24	83	98	100	102	382
’23	97	95	96	—	188
’22	68	70	76	89	302
’21	73	77	67	69	286
’20	86	84	79	77	325

Fiscal quarters ending in the months shown.

value withheld pending a data check

Operating Cash Flow $m

	Dec	Mar	Jun	Sep	Year
’26	17	21	17	—	—
’25	6	16	12	22	55
’24	(5)	21	19	(3)	31
’23	15	10	9	13	48
’22	20	16	27	34	97
’21	19	13	19	23	74
’20	27	12	31	24	93

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Dec	Mar	Jun	Sep	Year
’26	16	20	16	—	—
’25	4	15	11	20	50
’24	(7)	19	17	(5)	25
’23	14	9	7	12	41
’22	19	15	25	33	92
’21	17	10	17	23	68
’20	23	9	28	18	78

Fiscal quarters ending in the months shown.

EPS $

	Dec	Mar	Jun	Sep	Year
’26	0.16	0.16	0.19	—	—
’25	0.12	0.12	0.14	0.14	0.52
’24	0.02	0.11	0.07	0.09	0.29
’23	0.12	0.11	0.06	(1.13)	(0.84)
’22	0.16	0.16	0.16	0.14	0.62
’21	0.14	0.15	0.13	0.14	0.56
’20	0.16	0.03	0.14	0.13	0.47

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	11.39	13.03	11.80	12.46	8.75	10.67	7.19	4.22	4.76	4.90	Analyst estimates 2026–2028 Powerpack
	High	17.04	16.98	14.15	14.57	14.03	14.38	11.78	8.93	7.20	7.31
People
People	Employees	676	708	775	773	793	750	733	649	659	678
	Revenue/emp, $m	0.48	0.47	0.44	0.46	0.41	0.38	0.41	0.29	0.58	0.62
Income, $m
Income, $m	Revenue	324	335	344	352	325	286	302	188	382	420
	Gross margin, %	66.42	64.87	64.20	64.89	64.37	70.94	71.25	(9.65)	43.79	47.84
	EBT	122	128	124	121	81	96	107	(139)	54	83
	EBT margin, %	37.59	38.14	36.03	34.29	24.84	33.54	35.45	(73.78)	14.16	19.76
	Net income	83	84	99	94	65	76	84	(102)	38	68
	Depreciation	14	14	13	13	13	19	18	15	2	6
Per share, $
Per share, $	Revenue	2.44	2.50	2.55	2.56	2.35	2.11	2.23	1.41	2.92	3.23
	Earnings	0.63	0.63	0.73	0.68	0.47	0.56	0.62	(0.84)	0.29	0.52
	Cash flow	0.64	0.64	0.92	0.59	0.67	0.55	0.72	0.36	0.24	0.42
	Capex	(0.11)	(0.07)	(0.09)	(0.09)	(0.11)	(0.05)	(0.04)	(0.05)	(0.05)	(0.04)
	Free cash flow	0.53	0.57	0.83	0.50	0.57	0.50	0.68	0.31	0.19	0.38
	Book value	10.47	10.21	10.33	9.71	9.32	9.17	8.08	7.82	7.90	8.06
	Shares, m	133	134	135	138	138	135	136	134	131	130
Valuation, ×
Valuation, ×	P/E	22.33	24.02	17.07	19.97	20.15	20.52	13.39	0.00	20.14	12.21
	P/S	5.77	5.95	4.95	5.39	3.94	5.44	3.72	3.28	2.00	1.96
	P/B	1.34	1.46	1.22	1.42	0.99	1.25	1.03	0.59	0.74	0.79
	EV/Sales	12.83	11.98	11.19	11.13	8.88	10.82	10.61	17.26	7.13	6.01
	EV/FCF	59.38	52.66	34.23	56.59	36.87	45.77	34.98	78.80	110.66	50.59
Cash, $m
Cash, $m	Operating cash flow	85	85	124	81	93	74	97	48	31	55
	Capex	(15)	(9)	(12)	(12)	(15)	(7)	(6)	(6)	(7)	(5)
	Free cash flow	70	76	112	69	78	68	92	41	25	50
Balance, $m
Balance, $m	Working capital	1,963	2,120	1,904	1,888	1,130	452	1,240	2,111	1,933	1,708
	Total debt	2,572	2,374	2,285	2,240	1,789	1,583	2,132	2,879	2,180	1,951
	Net debt	2,291	2,022	2,146	2,020	1,604	1,541	2,083	2,634	1,962	1,698
	Shareholders’ equity	1,393	1,368	1,392	1,336	1,285	1,242	1,096	1,044	1,032	1,048
Returns, %
Returns, %	ROA	0.87	0.91	1.06	1.00	0.69	0.80	0.88	(1.03)	0.39	0.70
	ROIC	2.07	2.36	2.19	2.25	1.74	2.16	2.11	(2.36)	1.13	1.89
	ROE	5.94	6.09	7.17	6.91	4.92	6.02	7.22	(9.49)	3.66	6.53

Negative figures in brackets.

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
MCB Metropolitan Bank Holding Corp.	$1.1B	10.9×	8.8×	+10.67% (above 0%: growing)	−12.92% (below 0%: shrinking)	−168.73% (below 0%: shrinking)	64.82%	0.00%	Compare
NBN Northeast Bancorp	$1.1B	9.7×	8.2×	+6.35% (above 0%: growing)	+34.97% (above 0%: growing)	−136.55% (below 0%: shrinking)	62.31%	0.00%	Compare
FSBC Five Star Bancorp	$1.1B	12.7×	12.1×	+18.93% (above 0%: growing)	+33.82% (above 0%: growing)	+32.43% (above 0%: growing)	64.63%	0.00%	Compare
CFFN Capitol Federal Financial	$1.0B	12.6×	11.9×	+6.50% (above 0%: growing)	+35.71% (above 0%: growing)	+45.71% (above 0%: growing)	53.81%	0.00%
BFST Business First Bancshares, Inc.	$1.0B	11.1×	9.9×	+8.01% (above 0%: growing)	0.00%	+80.82% (above 0%: growing)	65.76%	0.00%	Compare
MBWM Mercantile Bank Corporation	$1.0B	10.3×	9.6×	+5.11% (above 0%: growing)	+7.91% (above 0%: growing)	+246.97% (above 0%: growing)	70.02%	0.00%	Compare
CCNE CNB Financial Corporation	$1.0B	11.0×	8.8×	+33.95% (above 0%: growing)	+49.18% (above 0%: growing)	+101.89% (above 0%: growing)	69.04%	0.00%	Compare
MCBS MetroCity Bankshares, Inc.	$1.0B	12.0×	10.4×	+27.40% (above 0%: growing)	+16.67% (above 0%: growing)	+45.94% (above 0%: growing)	65.38%	0.00%	Compare
HBNC Horizon Bancorp (IN)	$992.5M	— (loss-making)	8.9×	−1.83% (below 0%: shrinking)	+4.26% (above 0%: growing)	+72.88% (above 0%: growing)	75.11%	0.00%	Compare
Median of peers	$1.0B	11.0×	9.3×	+9.34%	+12.29%	+59.41%	65.57%	0.00%

All 323 Banks Regional stocks →

Capitol Federal Financial (CFFN) key facts

Capitol Federal Financial (CFFN) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CFFN traded at $8.17, a market capitalization of $1.0 billion.
Capitol Federal Financial pays an annual dividend of $0.34 per share, a yield of 4.16%, with a payout ratio of 52.3%.
Return on equity was 6.53% and debt-to-equity 1.60.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.