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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $198M | - | $68M | $50M | 6.5% | 20.4% | 79.0% |
| 2024 | $165M | - | $38M | $24M | 3.7% | -888.4% | -137.4% |
| 2023 | $-21M | - | $-102M | $41M | -9.7% | -109.8% | -220.4% |
| 2022 | $213M | - | $84M | $92M | 7.7% | - | - |
| 2021 |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 212.63 | -20.88 | 164.59 | 198.19 |
| Pretax Income | - | 107.20 | -138.96 | 54.10 | 83.02 |
| Tax Provision | - | 22.75 | -37.30 | 16.09 | 15 |
| Net Income | - | 84.45 | -101.66 | 38.01 | 68.03 |
| Net Income Common Stockholders | - | 84.41 | -101.61 | 37.98 | 67.94 |
| Interest Expense | - | 86.95 | 206.52 | 214.78 | 219.21 |
| Interest Income | - | 279.54 | 359.79 | 376.84 | 399.52 |
| Selling General And Administration | - | 64.80 | 60.25 | 62.59 | 69.65 |
| Normalized Income | - | 84.45 | -101.66 | 38.01 | 68.03 |
| Market Cap | 978.57 | 978.57 | 978.57 | 978.57 | 978.57 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Capitol Federal Financial, Inc.this co. | CFFN | $997M | 14.39↑ premium | 0.93 | 6.5% | - |
| Strive Asset Management, LLC | ASST | $1.0B | - | 1.11 | -92.5% | -4.30 |
| Univest Financial Corporation | UVSP | $1.0B | 11.34 | 1.12 | 9.6% | - |
| HBT Financial, Inc. | HBT | $1.0B | 12.83 | 1.43 | 12.5% | - |
| Employers Holdings, Inc. | EIG |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| $983M |
| 75.51 |
| 0.85 |
| 1.1% |
| - |
| loanDepot, Inc. | LDI | $978M | - | 1.46 | -16.2% | - |
| Virtus Investment Partners, Inc. | VRTS | $977M | 6.93 | 1.03 | 14.8% | 8.04 |
| Amerant Bancorp Inc. | AMTB | $960M | 16.11 | 1.01 | 5.6% | - |
| Burke & Herbert Financial Services Corp. | BHRB | $957M | 8.25 | 1.12 | 13.7% | - |
| Peer Median | - | 12.09 | 1.11 | 7.6% | 1.87 | |