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Capitol Federal Financial (CFFN) investor relations material
Capitol Federal Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Oct, 2025
Executive summary
Fiscal year 2025 ended with total assets of $9.78 billion, stockholders' equity of $1.05 billion, and net income of $68.0 million, all up from the prior year.
Strategic initiatives, including the acquisition of Capital City Bank and a major securities restructuring, drove growth in commercial loans and deposits, and improved net interest margin.
Commercial loan portfolio grew from $319.1 million to $2.12 billion since the acquisition, and non-retail deposits from $194.8 million to $508.2 million.
The company continues to invest in technology, expand commercial banking, and launch new products and services.
Financial highlights
Net income for FY2025 was $68.0 million, up from $38.0 million in FY2024; Q4 net income was $18.8 million, up from $18.4 million in Q3.
Net interest margin for FY2025 was 1.96%, up 19 bps year-over-year; Q4 margin was 2.09%, up 11 bps sequentially.
Basic and diluted EPS for FY2025 was $0.52, up from $0.29; Q4 EPS was $0.14.
Efficiency ratio improved to 58.33% for FY2025 from 66.91% in FY2024; Q4 ratio was 56.84%.
Commercial loan growth of $607.0 million (40.2%) and commercial deposit growth of $190.2 million (59.8%) year-over-year.
Cash dividends paid totaled $0.34 per share for FY2025.
Outlook and guidance
FY2026 non-interest expense expected to rise 7%, with salary and IT expenses up 9% and 15% respectively due to hiring and postponed projects.
Anticipates FRB rate cuts in FY2026, which should lower deposit interest expense while loan yields remain stable or rise.
Asset growth expected to surpass $10 billion in coming years.
Board intends to continue regular quarterly cash dividend of $0.085 per share in FY2026.
Assess credit quality of commercial loan growth
Can NIM gains be sustained with FRB rate cuts?
Detail capital distribution plans for FY26
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Next Capitol Federal Financial earnings date
Q1 202628 Jan, 2026
Next Capitol Federal Financial earnings date
Q1 202628 Jan, 2026
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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.
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