CFFN

MKT CAP:$1B

Capitol Federal Financial, Inc.

Market Cap

$1B

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$7.70+$1.01 (+15.10%)

Apr 24, 2026

Company Details

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 accepts a range of deposit products, including sav...

CEO

John Dicus

IPO Date

Apr 1, 1999

Website

capfed.com

Key Metrics TTM

Revenue

$427M

+7.1% YoY

Net Income

$73M

EPS (Diluted)

$0.56

Free Cash Flow

$61M

Revenue / Share

$3.31

Gross Margin

48.6%

Operating Margin

20.9%

Net Margin

17.1%

FCF Margin

14.3%

P/S

2.4x

P/E

13.8x

Earnings Reports

Q2 2026

Apr 29, 2026

PENDING

Q1 2026

Feb 6, 2026

$111M+9.6%EPS $0.16

FY 2025

Nov 26, 2025

$417M+10.0%EPS $0.52

Q4 2025

Oct 29, 2025

$109M+8.0%EPS $0.14

Q3 2025

Aug 8, 2025

$104M+5.3%EPS $0.14

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$69M	$55M	$28M
Q3 22	$75M	$54M	$27M
Q4 22	$88M	$54M	$25M
Q1 23	$96M	$47M	$20M
Q2 23	$94M	$45M	$18M
Q3 23	$96M	$39M	$10M
Q4 23	-$100M	-$159M	-$186M
Q1 24	$82M	$30M	$2M
Q2 24	$97M	$45M	$17M
Q3 24	$99M	$43M	$16M
Q4 24	$101M	$46M	$19M
Q1 25	$102M	$46M	$19M
Q2 25	$102M	$48M	$19M
Q3 25	$104M	$50M	$22M
Q4 25	$109M	$53M	$23M
Q1 26	$111M	$56M	$25M

Valuation

Quarter	P/S	P/E
Q2 22	3.7x	12.5x
Q3 22	3.6x	12.1x
Q4 22	3.4x	11.9x
Q1 23	3.1x	12.8x
Q2 23	2.9x	14.2x
Q3 23	2.7x	17.3x
Q4 23	5.4x	—
Q1 24	5.9x	—
Q2 24	5.8x	—
Q3 24	5.7x	—
Q4 24	2.7x	26.5x
Q1 25	2.5x	19.8x
Q2 25	2.5x	19.2x
Q3 25	2.5x	16.5x
Q4 25	2.4x	14.8x
Q1 26	2.4x	13.8x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q2 22	$16M	$15M
Q3 22	$27M	$25M
Q4 22	$34M	$33M
Q1 23	$15M	$14M
Q2 23	$10M	$9M
Q3 23	$9M	$7M
Q4 23	$13M	$12M
Q1 24	-$5M	-$7M
Q2 24	$21M	$19M
Q3 24	$19M	$16M
Q4 24	-$3M	-$5M
Q1 25	$6M	$4M
Q2 25	$16M	$15M
Q3 25	$12M	$11M
Q4 25	$22M	$20M
Q1 26	$17M	$16M

Capital Expenditures

Quarter	CapEx
Q2 22	$992.0K
Q3 22	$2M
Q4 22	$1M
Q1 23	$1M
Q2 23	$1M
Q3 23	$2M
Q4 23	$2M
Q1 24	$1M
Q2 24	$1M
Q3 24	$3M
Q4 24	$2M
Q1 25	$1M
Q2 25	$756.0K
Q3 25	$2M
Q4 25	$2M
Q1 26	$2M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	-3.4%	-9.5%
Q3 22	+12.7%	+10.5%
Q4 22	+29.3%	+43.0%
Q1 23	+42.8%	+93.7%
Q2 23	+36.2%	+85.5%
Q3 23	+28.0%	+78.7%
Q4 23	-213.3%	+34.9%
Q1 24	-14.4%	+5.0%
Q2 24	+3.3%	+4.5%
Q3 24	+3.3%	-3.0%
Q4 24	+200.8%	-4.7%
Q1 25	+23.7%	+3.0%
Q2 25	+5.3%	+3.9%
Q3 25	+5.3%	-0.9%
Q4 25	+8.0%	+5.2%
Q1 26	+9.6%	+4.4%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q2 22	$585.0K	0.8%
Q3 22	$534.0K	0.7%
Q4 22	$509.0K	0.6%
Q1 23	$430.0K	0.4%
Q2 23	$410.0K	0.4%
Q3 23	$333.0K	0.3%
Q4 23	$333.0K	—
Q1 24	$309.0K	0.4%
Q2 24	$327.0K	0.3%
Q3 24	$314.0K	0.3%
Q4 24	$335.0K	0.3%
Q1 25	$364.0K	0.4%
Q2 25	$344.0K	0.3%
Q3 25	$330.0K	0.3%
Q4 25	$358.0K	0.3%
Q1 26	$99.0K	0.1%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$15M	$1M
Q3 22	$15M	$1M
Q4 22	$20M	$2M
Q1 23	$15M	$833.0K
Q2 23	$14M	$1M
Q3 23	$14M	$1M
Q4 23	$13M	$692.0K
Q1 24	$15M	$988.0K
Q2 24	$15M	$1M
Q3 24	$15M	$951.0K
Q4 24	$14M	$1M
Q1 25	$15M	$822.0K
Q2 25	$16M	$760.0K
Q3 25	$16M	$1M
Q4 25	$17M	$2M
Q1 26	$19M	$1M

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$167M	$1.8B	$1.9B
Q3 22	$55M	$1.7B	$1.7B
Q4 22	$49M	$1.6B	$1.6B
Q1 23	$50M	$1.5B	$1.6B
Q2 23	$60M	$1.5B	$1.6B
Q3 23	$329M	$1.4B	$1.8B
Q4 23	$246M	$1.4B	$1.6B
Q1 24	$320M	$740M	$1.1B
Q2 24	$444M	$843M	$1.3B
Q3 24	$318M	$802M	$1.1B
Q4 24	$217M	$856M	$1.1B
Q1 25	$170M	$862M	$1.0B
Q2 25	$340M	$961M	$1.3B
Q3 25	$175M	$956M	$1.1B
Q4 25	$252M	$867M	$1.1B
Q1 26	$233M	$830M	$1.1B

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	136M	+0.0%	-0.4%
Q3 22	136M	+0.0%	+0.1%
Q4 22	136M	+0.0%	+0.1%
Q1 23	135M	-0.8%	-0.7%
Q2 23	133M	-1.1%	-1.9%
Q3 23	133M	+0.0%	-1.9%
Q4 23	133M	+0.0%	-1.9%
Q1 24	132M	-0.7%	-1.7%
Q2 24	131M	-1.4%	-2.0%
Q3 24	130M	-0.5%	-2.5%
Q4 24	130M	+0.0%	-2.5%
Q1 25	130M	+0.0%	-1.8%
Q2 25	130M	+0.0%	-0.4%
Q3 25	130M	0.0%	+0.1%
Q4 25	130M	0.0%	+0.1%
Q1 26	129M	-0.8%	-0.8%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$91.9K	750
Q3 22	$99.8K	750
Q4 22	$120.7K	733
Q1 23	$131.1K	733
Q2 23	$128.2K	733
Q3 23	$130.8K	733
Q4 23	-$154.4K	649
Q1 24	$126.7K	649
Q2 24	$149.6K	649
Q3 24	$152.5K	649
Q4 24	$153.4K	659
Q1 25	$154.4K	659
Q2 25	$155.2K	659
Q3 25	$158.2K	659
Q4 25	$161.0K	678
Q1 26	$164.4K	678

Revenue / Employee