Capitol Federal Financial, Inc. (CFFN)

Capitol Federal Financial Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Interest Income on Loans	332.52	308.71	280.09	228.53	229.9
Interest Income on Investments	67	68.14	79.7	51.01	28.28
Total Interest Income	399.52	376.84	359.79	279.54	258.18
Interest Paid on Deposits	146.26	139.55	82.27	34.46	48.41
Interest Paid on Borrowings	72.95	75.23	124.25	52.49	34.77
Total Interest Expense	219.21	214.78	206.52	86.95	83.18
Net Interest Income	180.31	162.06	153.27	192.59	175
Net Interest Income Growth (YoY)	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	9.68	-5.32	-184.2	9.03	8.42
Total Non-Interest Income	20.73	5.24	-171.46	22.83	27.15
Non-Interest Income Growth (YoY)	295.21%	-	-	-15.90%	38.51%
Revenues Before Loan Losses	201.04	167.31	-18.18	215.42	202.15
Provision for Loan Losses	0.75	1.26	6.84	-4.63	-8.51
Revenue	200.29	166.05	-25.02	220.05	210.66
Revenue Growth (YoY)	20.62%	-	-	4.46%	12.87%
Salaries and Employee Benefits	60.38	50.99	49.99	54.36	53.21
Occupancy Expenses	13.4	12.24	12.7	12.81	12.46
Federal Deposit Insurance	4.32	6.05	4.46	3.02	2.55
Selling, General & Administrative	26.34	28.88	33.27	29.24	29.15
Other Non-Interest Expense	12.84	13.78	13.52	13.42	17.27
Total Non-Interest Expense	117.27	111.94	113.93	112.85	114.63
EBT Excluding Unusual Items	83.02	54.1	-138.96	107.2	96.03
Pretax Income	83.02	54.1	-138.96	107.2	96.03
Income Tax Expense	15	16.09	-37.3	22.75	19.95
Net Income	68.03	38.01	-101.66	84.45	76.08
Preferred Dividends & Other Adjustments	-	0.03	-0.05	0.05	0.05
Net Income to Common	68.03	37.98	-101.61	84.41	76.03
Net Income Growth	78.97%	-	-	11.00%	17.88%
Basic Shares Outstanding	130	131	134	136	135
Diluted Shares Outstanding	130	131	134	136	135
Shares Change (YoY)	-0.61%	-2.16%	-1.58%	0.15%	-1.74%
EPS (Basic)	0.52	0.29	-0.76	0.62	0.56
EPS (Diluted)	0.52	0.29	-0.76	0.62	0.56
EPS Growth	79.31%	-	-	10.71%	19.75%
Dividend Per Share	0.340	0.340	0.340	0.340	0.340
Effective Tax Rate	18.06%	29.74%	-	21.22%	20.77%

Updated Oct 29, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q