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Capitol Federal Financial
Capitol Federal Financial (CFFN) investor relations material
Capitol Federal Financial Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary28 Jan, 2026
Executive summary
Net income for the quarter ended December 31, 2025, was $20.3 million, up from $18.8 million in the prior quarter and $15.4 million in the prior year quarter, driven by higher net interest income and commercial loan growth.
Total assets reached $9.78 billion, with stockholders' equity at $1.04 billion; commercial loans and deposits saw strong growth, reflecting ongoing strategic initiatives.
The company continues its transition to a full-service commercial bank, investing in technology, expanding product offerings, and deepening customer relationships.
Financial highlights
Net interest margin increased to 2.19% from 2.09% in the prior quarter and 1.86% in the prior year quarter, mainly due to higher yielding commercial loans.
Basic and diluted EPS were $0.16, up from $0.14 in the prior quarter and $0.12 in the prior year quarter.
Efficiency ratio improved to 53.66% from 56.84% in the prior quarter and 57.86% in the prior year quarter.
Operating expense ratio decreased to 1.24% from 1.27% in the prior quarter, but up from 1.14% in the prior year quarter.
Total non-interest expense was $30.5 million, down 1.7% sequentially but up 12.3% year-over-year.
Provision for credit losses was $1.1 million, up from $519 thousand in the prior quarter and $677 thousand in the prior year quarter, mainly due to commercial loan growth.
Outlook and guidance
Commercial loan balances are expected to grow approximately 1% in the next quarter and 18% for the fiscal year, with repayments from one- to four-family loans supporting this growth.
The Board intends to continue regular quarterly dividends of $0.085 per share and pursue further share repurchases.
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Next Capitol Federal Financial earnings date
Q2 202629 Apr, 2026
Capitol Federal Financial
Next Capitol Federal Financial earnings date
Q2 202629 Apr, 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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