Capitol Federal Financial, Inc. (FRA:CFW)

Capitol Federal Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest Income on Loans	325.02	308.71	280.09	228.53	229.9	270.49
Interest Income on Investments	67.33	68.14	79.7	51.01	28.28	34.48
Total Interest Income	392.34	376.84	359.79	279.54	258.18	304.98
Interest Paid on Deposits	146.52	139.55	82.27	34.46	48.41	67.6
Interest Paid on Borrowings	73.47	75.23	124.25	52.49	34.77	48.05
Total Interest Expense	219.99	214.78	206.52	86.95	83.18	115.64
Net Interest Income	172.35	162.06	153.27	192.59	175	189.34
Net Interest Income Growth (YoY)	13.41%	5.73%	-20.42%	10.05%	-7.57%	-8.26%
Gain (Loss) on Sale of Assets	-	-	-	-	-0.94	-
Gain (Loss) on Sale of Investments	13.35	-	-	-	7.39	-
Other Non-Interest Income	-4.63	-5.32	-184.2	9.03	8.42	8.31
Total Non-Interest Income	19.72	5.24	-171.46	22.83	27.15	19.6
Non-Interest Income Growth (YoY)	-	-	-	-15.90%	38.51%	-10.74%
Revenues Before Loan Losses	192.07	167.31	-18.18	215.42	202.15	208.93
Provision for Loan Losses	-0.41	1.26	6.84	-4.63	-8.51	22.3
Revenue	192.48	166.05	-25.02	220.05	210.66	186.63
Revenue Growth (YoY)	-	-	-	4.46%	12.87%	-18.00%
Salaries and Employee Benefits	56.25	50.99	49.99	54.36	53.21	50.44
Occupancy Expenses	12.23	12.24	12.7	12.81	12.46	12.14
Federal Deposit Insurance	4.32	6.05	4.46	3.02	2.55	0.91
Selling, General & Administrative	27.68	28.88	33.27	29.24	29.15	28.35
Other Non-Interest Expense	12.82	13.78	13.52	13.42	17.27	14.17
Total Non-Interest Expense	113.29	111.94	113.93	112.85	114.63	106
EBT Excluding Unusual Items	79.19	54.1	-138.96	107.2	96.03	80.63
Pretax Income	79.19	54.1	-138.96	107.2	96.03	80.63
Income Tax Expense	17.92	16.09	-37.3	22.75	19.95	16.09
Net Income	61.27	38.01	-101.66	84.45	76.08	64.54
Preferred Dividends & Other Adjustments	0.03	0.03	-0.05	0.05	0.05	0.05
Net Income to Common	61.24	37.98	-101.61	84.41	76.03	64.49
Net Income Growth	-	-	-	11.00%	17.88%	-31.52%
Basic Shares Outstanding	523	131	134	136	135	138
Diluted Shares Outstanding	523	131	134	136	135	138
Shares Change (YoY)	297.36%	-2.16%	-1.58%	0.15%	-1.74%	0.12%
EPS (Basic)	0.12	0.29	-0.76	0.62	0.56	0.47
EPS (Diluted)	0.12	0.29	-0.76	0.62	0.56	0.47
EPS Growth	-	-	-	10.71%	19.75%	-31.23%
Dividend Per Share	0.085	0.340	0.340	0.340	0.340	0.340
Effective Tax Rate	22.63%	29.74%	-	21.22%	20.77%	19.96%

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