Capitol Federal Financial, Inc. (CFFN)

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	Mar 31, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest Income on Loans	318.91	308.71	280.09	228.53	229.9	270.49
Interest Income on Investments	68.75	68.14	79.7	51.01	28.28	34.48
Total Interest Income	387.66	376.84	359.79	279.54	258.18	304.98
Interest Paid on Deposits	146.89	139.55	82.27	34.46	48.41	67.6
Interest Paid on Borrowings	73.55	75.23	124.25	52.49	34.77	48.05
Total Interest Expense	220.44	214.78	206.52	86.95	83.18	115.64
Net Interest Income	167.22	162.06	153.27	192.59	175	189.34
Net Interest Income Growth (YoY)	14.22%	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	-5.04	-5.32	-184.2	9.03	8.42	8.31
Total Non-Interest Income	19.14	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	186.36	167.31	-18.18	215.42	202.15	208.93
Provision for Loan Losses	1.51	1.26	6.84	-4.63	-8.51	22.3
Revenue	184.85	166.05	-25.02	220.05	210.66	186.63
Revenue Growth (YoY)	-	-	-	4.46%	12.87%	-18.00%
Salaries and Employee Benefits	54.28	50.99	49.99	54.36	53.21	50.44
Occupancy Expenses	12.22	12.24	12.7	12.81	12.46	12.14
Federal Deposit Insurance	4.6	6.05	4.46	3.02	2.55	0.91
Selling, General & Administrative	27.41	28.88	33.27	29.24	29.15	28.35
Other Non-Interest Expense	13.17	13.78	13.52	13.42	17.27	14.17
Total Non-Interest Expense	111.68	111.94	113.93	112.85	114.63	106
EBT Excluding Unusual Items	73.17	54.1	-138.96	107.2	96.03	80.63
Pretax Income	73.17	54.1	-138.96	107.2	96.03	80.63
Income Tax Expense	20.63	16.09	-37.3	22.75	19.95	16.09
Net Income	52.54	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	52.5	37.98	-101.61	84.41	76.03	64.49
Net Income Growth	-	-	-	11.00%	17.88%	-31.52%
Basic Shares Outstanding	128	131	134	136	135	138
Diluted Shares Outstanding	128	131	134	136	135	138
Shares Change (YoY)	-3.46%	-2.16%	-1.58%	0.15%	-1.74%	0.12%
EPS (Basic)	0.41	0.29	-0.76	0.62	0.56	0.47
EPS (Diluted)	0.41	0.29	-0.76	0.62	0.56	0.47
EPS Growth	-	-	-	10.71%	19.75%	-31.23%
Dividend Per Share	0.340	0.340	0.340	0.340	0.340	0.340
Effective Tax Rate	28.20%	29.74%	-	21.22%	20.77%	19.96%

Updated Apr 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q