Accessibility Menu
Capitol Federal Financial logo

Capitol Federal Financial(NASDAQ) CFFN

Market Cap$1.11BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+1,040%
5 Year+8%
1 Year+50%
1 Month+4%
$8.73
-0.63%
-0.05Today
Capitol Federal Financial last closing stock price
MetricPriceDate
Last closeUSD 8.782026-07-28
Capitol Federal Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.09%USD 8.602026-07-21
1 month+3.54%USD 8.482026-06-26
3 month+17.67%USD 7.462026-04-29
Year to date+32.62%USD 6.622025-12-31
1 year+49.56%USD 5.872025-07-28
3 year+56.46%USD 5.612023-07-28
5 year+7.81%USD 8.142021-07-29
Since inception+1,040.13%USD 0.771999-04-01

Capitol Federal Financial Financials at a Glance

Market Cap

$1.11BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$434.20M

Net Income (TTM)

$77.65M

EPS (TTM)

$0.60

P/E Ratio

14.58

Dividend

$0.34

Beta (Volatility)

0.70 (Low)

Price

$8.73

Volume

1,281,943.179

Open

$8.24

Previous Close

$8.75

Daily Range

$8.24 - $8.79

52-Week Range

$5.68 - $8.84

Estimated Earnings Date

Nov 4, 2026

CFFN News

Stock traders looking at screens

Here's Why Assured Guaranty, Capitol Federal Financial, and Renasant Shares Are All Moving Higher Friday

Matt Frankel, CFP®Oct 2, 2020

The 10 Best Thrifts of 2011

Anand ChokkaveluDec 18, 2011

Roundtable: Values in Housing?

Motley Fool StaffJul 20, 2011

Bank These Undervalued Shares Now!

Alex Dumortier, CFAFeb 14, 2011

The 15 Highest-Yielding Bank Stocks

Dan DzombakAug 31, 2010

CFFN: Motley Fool Moneyball Superscore

54

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Capitol Federal Financial

Capitol Federal helps families buy houses and save for the future. The bank offers simple accounts for everyday spending and business growth. It focuses on serving communities across Kansas and Missouri.

The Banking Menu

  • Residential Loans: Mortgages for one- to four-family homes, including construction and permanent financing for homeowners.
  • Commercial Banking: Loans for real estate projects and business operations, plus credit lines for industrial needs.
  • Deposit Accounts: Personal and business services such as checking, savings, money markets, and certificates of deposit.
  • Consumer Credit: Home equity lines, vehicle loans, and home improvement financing for individual borrowers.

Key Strategic Shifts

  • Suspended one- to four-family correspondent lending channels during fiscal year 2024 to focus on other lending areas.
  • Refinanced a $50 million fixed-rate Federal Home Loan Bank Topeka advance in the quarter ended December 31, 2025.
  • Repurchased common stock and paid excise taxes totaling $16.5 million during the first quarter of fiscal 2026.

Regional Focus and Reach

Capitol Federal operates 54 branches across nine counties in Kansas and two in Missouri. The company centers its lending on local residential mortgages and commercial real estate within its specific metropolitan service areas.

The Latest Numbers

  • Net income rose to $20.3 million for the quarter ended December 31, 2025, up 31.6% from $15.4 million in the same period of 2024.
  • Net interest income—the difference between interest earned on loans and interest paid on deposits—reached $51.3 million in the first quarter of fiscal 2026.
  • Total interest and dividend income was $106 million for the three months ended December 31, 2025, up 8.6% year-over-year.
  • Diluted earnings per share, which measures profit for each share held, grew to $0.16 in the quarter ended December 31, 2025.

Bottom Line

Capitol Federal has transitioned from a traditional savings institution to a regional bank with a growing commercial portfolio. Its shift away from third-party mortgage channels highlights a focus on direct customer relationships and local market stability.

AI Generated • May 2, 2026

Industry

Banks

Sector

Financials

Employees

678

CEO

John B. Dicus, MBA

Website

www.capfed.com

Headquarters

Topeka, KS 66603, US

CFFN Financials

Key Financial Metrics (TTM)

Gross Margin

49.33%

Operating Margin

21.87%

Net Income Margin

17.88%

Return on Equity

7.46%

Return on Capital

2.77%

Return on Assets

0.79%

Earnings Yield

6.86%

Dividend Yield

3.86%

Payout Ratio

63.18%

Stock Overview

Market Cap

$1.11BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

126.77M

Volume

1.28M

Avg. Volume

792.51K

Financials (TTM)

Gross Profit

$214.21M

Operating Income

$94.96M

EBITDA

$102.38M

Operating Cash Flow

$72.82M

Capital Expenditure

-$6.20M

Free Cash Flow

$66.61M

Cash & ST Invst.

$1.14B

Total Debt

$1.71B

Capitol Federal Financial Performance Analysis

Capitol Federal Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-09-30USD 302,370,0007.4%
20232023-09-30USD 380,956,00026.0%
20242024-09-30USD 395,432,0003.8%
20252025-09-30USD 420,244,0006.3%
Capitol Federal Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-06-302.0%
Q42025-10-274.7%
Q12025-12-311.4%
Q22026-03-31-0.7%
Capitol Federal Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-09-30USD 0.6210.9%
20232023-09-30USD -0.76N/A
20242024-09-30USD 0.29N/A
20252025-09-30USD 0.5279.9%
Capitol Federal Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-06-3016.7%
Q42025-10-27N/A
Q12025-12-3114.3%
Q22026-03-31N/A

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$110.02M

+7.6%

Gross Profit

$55.35M

+15.5%

Gross Margin

50.31%

N/A

Market Cap

$1.11BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.64M

N/A

Employees

678

N/A

Net Income

$20.15M

+30.8%

EBITDA

$26.90M

+26.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$1.14B

-12.7%

Total Debt

$1.71B

-20.3%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$1.53B

-28.5%

Short Term Debt

$175.00M

N/A

Return on Assets

0.79%

N/A

Return on Invested Capital

0.98%

N/A

Free Cash Flow

$20.14M

+36.6%

Operating Cash Flow

$21.45M

+38.3%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
ESQEsquire Financial Holdings, Inc.
$131.89+3.38%
CPFCentral Pacific Financial Corp.
$39.47-0.60%
MOFGMidWestOne Financial Group, Inc.
$49.31+2.35%
FSBCFive Star Bancorp
$47.42-0.86%

Trending Stocks

Symbol / CompanyPricePrice Chg
SOFISoFi Technologies
$15.25-0.09%
INTCIntel
$81.88-0.05%
NVDANvidia
$190.01-0.04%
TQQQProShares Trust - ProShares UltraPro Qqq
$57.75-0.06%

Questions About CFFN

What is the current price of Capitol Federal Financial?

Capitol Federal Financial is trading at $8.75 per share.

What is the 52-week range for Capitol Federal Financial?

Over the past 52 weeks, Capitol Federal Financial has traded between $5.68 and $8.84.

How much debt does Capitol Federal Financial have?

As of the most recent reporting period, Capitol Federal Financial reported total debt of $1.71B.

How much cash does Capitol Federal Financial have on hand?

Capitol Federal Financial does not have cash on hand data available.

What is Capitol Federal Financial’s dividend yield?

Capitol Federal Financial currently has a dividend yield of 3.86%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services