Capitol Federal Financial (CFFN) Q4 2026 earnings summary

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.