Capitol Federal Financial (CFFN) investor relations material

Executive summary

• Net income for Q2 2026 was $20.1 million, with EPS of $0.16, and total assets reached $9.83 billion.

• Achieved seventh consecutive quarter of net interest income and margin growth; net interest margin rose to 2.24% from 2.19% sequentially.

• Strategic focus on commercial lending, digital banking, and wealth management is driving growth and diversification.

• Paid $15.9 million in dividends, including a $0.04 per share special dividend, and repurchased over 2.1 million shares in Q2 2026.

• Commercial loan and deposit portfolios continued to expand, with commercial loans at $2.32 billion and deposits at $548.1 million.

Financial highlights

• Net interest margin rose to 2.24% in Q2 2026, up from 2.19% in the prior quarter and 1.21% for FY 2023.

• Efficiency ratio improved to 52.45% from 53.66% sequentially; operating expense ratio held steady at 1.24%.

• Tangible book value per share reached $7.96 at March 31, 2026.

• For the six months ended March 31, 2026, net income was $40.5 million, up 31% year-over-year; EPS was $0.32.

• Commercial loans grew by $201.8 million (19.1% annualized) since September 30, 2025.

Outlook and guidance

• Expecting 6% net commercial loan growth for the June 2026 quarter and 20% for the fiscal year.

• Board intends to pay regular quarterly cash dividends of $0.085 per share, totaling $0.34 per share for FY 2026.

• Continued focus on commercial loan and deposit growth, digital banking enhancements, and disciplined capital returns.