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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 |
| Operating Revenue | - | 212.63 | -20.88 | 164.59 | 198.19 |
| Selling General And Administration | - | 64.80 | 60.25 | 62.59 | 69.65 |
| Interest Income | - | 279.54 | 359.79 | 376.84 | 399.52 |
| Interest Expense | - | 86.95 | 206.52 | 214.78 | 219.21 |
| Net Interest Income | - | 192.59 | 153.27 | 162.06 | 180.31 |
| Pretax Income | - | 107.20 | -138.96 | 54.10 | 83.02 |
| Tax Provision | - | 22.75 | -37.30 | 16.09 | 15 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 84.45 | -101.66 | 38.01 | 68.03 |
| Net Income From Continuing And Discontinued Operation | - | 84.45 | -101.66 | 38.01 | 68.03 |
| Net Income From Continuing Operation Net Minority Interest | - | 84.45 | -101.66 | 38.01 | 68.03 |
| Net Income | - | 84.45 | -101.66 | 38.01 | 68.03 |
| Net Income Common Stockholders | - | 84.41 | -101.61 | 37.98 | 67.94 |
| Net Income Including Noncontrolling Interests | - | 84.45 | -101.66 | 38.01 | 68.03 |
| Normalized Income | - | 84.45 | -101.66 | 38.01 | 68.03 |
| Diluted NI Availto Com Stockholders | - | 84.41 | -101.61 | 37.98 | 67.94 |
| Basic Average Shares | - | 136.21 | 133.13 | 130.09 | 129.73 |
| Diluted Average Shares | - | 136.21 | 133.13 | 130.09 | 129.73 |
| Reconciled Depreciation | - | 10.74 | 10.11 | 8.70 | 7.72 |
| Total Unusual Items | -4.75 | - | - | - | - |
| Total Unusual Items Excluding Goodwill | -4.75 | - | - | - | - |
| Special Income Charges | -4.75 | - | - | - | - |
| Other Special Charges | 4.75 | - | - | - | - |
| Gain On Sale Of Security | - | 0 | -192.62 | -13.34 | 0 |
| General And Administrative Expense | - | 59.62 | 55.95 | 58.32 | 64.70 |
| Other Gand A | 17.92 | 18.31 | - | - | - |
| Salaries And Wages | - | 56.60 | 51.49 | 52.27 | 60.38 |
| Insurance And Claims | - | 3.02 | 4.46 | 6.05 | 4.32 |
| Selling And Marketing Expense | - | 5.18 | 4.30 | 4.26 | 4.95 |
| Otherunder Preferred Stock Dividend | - | 0.04 | -0.05 | 0.03 | 0.08 |
| Occupancy And Equipment | - | 14.37 | 14.24 | 13.56 | 13.40 |
| Other Non Interest Expense | - | 30.89 | 36.75 | 33.08 | 31.38 |
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 | $973M | 14.30 | 0.93 | 6.5% | - |
| Virtus Investment Partners, Inc. | VRTS | $995M | 7.19 | 1.06 | 14.8% | 8.13 |
| Universal Insurance Holdings, Inc. | UVE | $990M | 5.41 | 1.80 | 33.2% | - |
| Southside Bancshares, Inc. | SBSI | $980M | 14.15 | 1.16 | 8.2% | - |
| Burford Capital Limited | BUR |
| - |
| - |
| - |
| - |
| - |
| - |
| - |
| $975M |
| 15.58 |
| 0.40 |
| 2.6% |
| - |
| Horizon Bancorp, Inc. | HBNC | $961M | -6.39 | 1.40 | -21.9% | - |
| MetroCity Bankshares, Inc. | MCBS | $960M | 14.01 | 1.76 | 12.6% | - |
| Trupanion, Inc. | TRUP | $949M | 48.82 | 2.47 | 5.1% | 17.88 |
| Equity Bancshares, Inc. | EQBK | $946M | 41.62 | 1.29 | 3.1% | - |
| Peer Median | - | 14.08 | 1.34 | 6.6% | 13.01 | |