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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Capitol Federal Financial
Capitol Federal Financial (CFFN) investor relations material
Capitol Federal Financial Q4 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2026 earnings summary28 Oct, 2026
Executive summary
FY2026 net income rose to $86.4M from $68.0M; Q4 net income was $22.4M, with NIM expansion continuing for a ninth consecutive quarter.
Strategic priorities included commercial lending growth, funding-base remixing, digital and wealth-management investment, and shareholder returns.
Financial highlights
Q4 net interest income was $54.8M, up $1.3M QoQ; net income was $22.4M versus $18.8M a year earlier.
FY2026 net interest income was $211.9M vs. $180.3M; net income was $86.4M vs. $68.0M, and EPS was $0.69 vs. $0.52.
At Sept. 30, 2026, assets were $9.67B, loans $8.20B, deposits $6.86B, and tangible book value per share $8.02.
FY2026 commercial loans grew $468.8M, or 22.2%; deposits increased $267.7M and borrowings declined $335.3M YoY.
Outlook and guidance
FY2027 guidance calls for ~17% commercial loan growth, ~2.5% total net loan growth, 6.2% deposit growth, and a 20.0%–21.0% effective tax rate.
FY2027 non-interest expense is projected to rise 7%; salaries and benefits +4.8%, occupancy +7.4%, and IT expense +22.4%.
Planned priorities include treasury cash concentration and mobile features, youth banking tools, improved onboarding, and expanded online servicing.
Management expects assets could exceed $10B in coming fiscal years; regular quarterly dividends of $0.085/share and further repurchases are intended.
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Latest events from Capitol Federal Financial
- Q3 2026 net income was $23.6M, with commercial loans at 30% of total loans and strong capital returns.CFFN
Q3 2026 - Net income was $20.1M for Q2 2026 and $40.5M for six months, with robust loan growth.CFFNQ2 2026
- Commercial lending growth and improved margins drive strong returns and capital strength.CFFNInvestor presentation
- Net income rose 32% on commercial loan growth, margin expansion, and strong capital returns.CFFNQ1 2026
- 2026 meeting seeks approval for directors, executive pay, new incentive plan, and auditor ratification.CFFNProxy Filing
- Annual meeting to vote on directors, compensation, incentive plan, and auditor ratification.CFFNProxy Filing
- Annual meeting features key votes on board declassification, executive pay, and auditor ratification.CFFNProxy Filing
- Annual meeting covers director elections, executive pay, auditor change, and board declassification.CFFNProxy Filing
- Key votes include director elections, auditor ratification, and declassifying the Board.CFFNProxy Filing
Next Capitol Federal Financial earnings date
Q1 202727 Jan, 2027
Capitol Federal Financial
Next Capitol Federal Financial earnings date
Q1 202727 Jan, 2027
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Frequently asked questions
Capitol Federal Financial Inc. operates as a holding company for Capitol Federal Savings Bank, which provides a range of banking and financial services. The company primarily focuses on offering residential real estate lending, including mortgage loans for single-family homes, and home equity loans. Additionally, it provides deposit products such as checking, savings, money market, and certificate of deposit accounts. Capitol Federal Financial Inc. also engages in the origination of commercial real estate loans and consumer loans, while offering related banking services to individuals and businesses. The company is headquartered in Topeka, Kansas, and its shares are listed on the NASDAQ.