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Capitol Federal Financial (CFFN) investor relations material
Capitol Federal Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Jul, 2025
Executive summary
Net income for the nine months ended June 30, 2025 was $49.2 million ($0.38 per share), up from $26.0 million ($0.20 per share) year-over-year, primarily due to higher net interest income and the absence of prior year securities losses.
Q3 FY2025 net income was $18.4 million ($0.14 per share), up from $15.4 million ($0.12 per share) in the prior quarter, driven by higher net interest income and lower tax expense.
Net interest margin rose to 1.98% in Q3 FY2025 from 1.92% in Q2, reflecting a shift to higher-yielding commercial loans.
Efficiency ratio improved to 58.26% for Q3 and 58.89% for the nine months, down from 69.77% year-over-year.
Strategic initiatives included expanding commercial banking, digital platforms, and launching new products for small businesses and private banking.
Financial highlights
Loans receivable, net increased $116.2 million since September 30, 2024, with commercial loans up $402.9 million and one- to four-family loans down $286.2 million.
Total deposits rose $301.2 million to $6.43 billion, led by high yield savings and a 37.8% increase in commercial non-maturity deposits.
Borrowings decreased $108.0 million to $2.07 billion, reflecting repayments and maturing borrowings not replaced.
Stockholders' equity increased $13.9 million to $1.05 billion; community bank leverage ratio was 9.7%.
Net interest income for Q3 FY2025 was $45.5 million, up from $43.8 million in the previous quarter.
Outlook and guidance
Management expects continued commercial loan growth, with $146.2 million in commercial real estate commitments expected to fund in Q4 FY2025.
The effective tax rate for fiscal 2025 is anticipated to be 18-19%, lower than previously expected due to a Kansas state tax law change.
The Board intends to maintain a regular quarterly dividend of $0.085 per share for fiscal 2025, with potential for additional dividends if earnings exceed $0.34 per share.
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Next Capitol Federal Financial earnings date
Q4 202522 Oct, 2025
Next Capitol Federal Financial earnings date
Q4 202522 Oct, 2025
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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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