Capitol Federal Financial, Inc. (FRA:CFW)

Capitol Federal Financial Income Statement

Financials in millions USD. Fiscal year is October - September.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Interest Income on Loans	340.92	332.52	308.71	280.09	228.53	229.9
Interest Income on Investments	66.97	67	68.14	79.7	51.01	28.28
Total Interest Income	407.89	399.52	376.84	359.79	279.54	258.18
Interest Paid on Deposits	146.42	146.26	139.55	82.27	34.46	48.41
Interest Paid on Borrowings	72.07	72.95	75.23	124.25	52.49	34.77
Total Interest Expense	218.49	219.21	214.78	206.52	86.95	83.18
Net Interest Income	189.4	180.31	162.06	153.27	192.59	175
Net Interest Income Growth (YoY)	15.00%	11.26%	5.73%	-20.42%	10.05%	-7.57%
Gain (Loss) on Sale of Assets	-	-	-	-	-	-0.94
Gain (Loss) on Sale of Investments	-	-	-	-	-	7.39
Other Non-Interest Income	10.3	9.68	-5.32	-184.2	9.03	8.42
Total Non-Interest Income	21.51	20.73	5.24	-171.46	22.83	27.15
Non-Interest Income Growth (YoY)	14.23%	295.21%	-	-	-15.90%	38.51%
Revenues Before Loan Losses	210.91	201.04	167.31	-18.18	215.42	202.15
Provision for Loan Losses	1.17	0.75	1.26	6.84	-4.63	-8.51
Revenue	209.74	200.29	166.05	-25.02	220.05	210.66
Revenue Growth (YoY)	15.42%	20.62%	-	-	4.46%	12.87%
Salaries and Employee Benefits	60.5	58.99	50.99	49.99	54.36	53.21
Occupancy Expenses	12.51	12.39	12.24	12.7	12.81	12.46
Federal Deposit Insurance	4.39	4.32	6.05	4.46	3.02	2.55
Selling, General & Administrative	29.64	28.74	28.88	33.27	29.24	29.15
Other Non-Interest Expense	13.56	12.84	13.78	13.52	13.42	17.27
Total Non-Interest Expense	120.6	117.27	111.94	113.93	112.85	114.63
EBT Excluding Unusual Items	89.14	83.02	54.1	-138.96	107.2	96.03
Pretax Income	89.14	83.02	54.1	-138.96	107.2	96.03
Income Tax Expense	16.24	15	16.09	-37.3	22.75	19.95
Net Income	72.9	68.03	38.01	-101.66	84.45	76.08
Preferred Dividends & Other Adjustments	0.08	0.08	0.03	-0.05	0.05	0.05
Net Income to Common	72.82	67.94	37.98	-101.61	84.41	76.03
Net Income Growth	43.22%	78.97%	-	-	11.00%	17.88%
Basic Shares Outstanding	130	130	131	134	136	135
Diluted Shares Outstanding	130	130	131	134	136	135
Shares Change (YoY)	-0.26%	-0.52%	-2.16%	-1.58%	0.15%	-1.74%
EPS (Basic)	0.56	0.52	0.29	-0.76	0.62	0.56
EPS (Diluted)	0.56	0.52	0.29	-0.76	0.62	0.56
EPS Growth	42.90%	79.31%	-	-	10.71%	19.75%
Dividend Per Share	0.340	0.340	0.340	0.340	0.340	0.340
Effective Tax Rate	18.22%	18.06%	29.74%	-	21.22%	20.77%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.