Capitol Federal Financial, Inc. (CFFN)

Capitol Federal Financial Cash Flow 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
Net Income	72.9	68.03	38.01	-101.66	84.45	76.08
Depreciation & Amortization	7.55	7.72	8.7	10.11	10.74	10.95
Provision for Credit Losses	1.51	0.75	1.26	6.84	-4.63	-8.51
Stock-Based Compensation	1.4	1.4	1.29	1.51	2.24	2.53
Net Change in Loans Held-for-Sale	1.9	1.86	0.01	0.01	0.03	0.05
Other Adjustments	-8.12	-8.77	0.23	137.94	-1.21	-5.18
Changes in Other Operating Activities	-8.77	-15.94	-18.32	-7.21	5.69	-1.45
Operating Cash Flow	66.88	55.04	31.18	47.53	97.3	74.47
Operating Cash Flow Growth	58.75%	76.50%	-34.39%	-51.15%	30.66%	-19.87%
Net Change in Loans Held-for-Investment	-224.08	-207.62	63.63	-514.67	-381.56	132.8
Net Change in Securities and Investments	51.07	5.29	570.53	190.59	217.83	-460.7
Capital Expenditures	-5.66	-5.2	-7.18	-6.28	-5.56	-9.41
Sale of Property, Plant & Equipment	0.27	0.28	1.09	0.53	0.69	2.81
Other Investing Activities	0.33	0.67	1.05	0.72	1.02	7.83
Investing Cash Flow	-160.19	-206.59	629.11	-329.1	-167.58	-326.67
Net Change in Deposits	552.52	461.47	78.76	-143.65	-402.53	405.99
Long-Term Debt Issued	650.2	650.1	350.1	4,294	1,454	1,144
Long-Term Debt Repaid	-834.92	-879.81	-1,052	-3,549	-906.9	-1,347
Net Long-Term Debt Issued (Repaid)	-184.72	-229.71	-702.19	745.33	547.5	-203
Issuance of Common Stock	-	-	-	-	-	0.32
Repurchase of Common Stock	-21.79	-3.89	-19.45	-23.45	-	-4.57
Net Common Stock Issued (Repurchased)	-21.79	-3.89	-19.45	-23.45	-	-4.24
Common Dividends Paid	-44.21	-44.25	-44.52	-83.17	-103.13	-117.89
Other Financing Activities	2.42	3.07	-1.19	-17.07	7.34	1.93
Financing Cash Flow	155.62	186.68	-688.59	477.98	49.18	82.79
Net Cash Flow	62.31	35.14	-28.3	196.41	-21.1	-169.42
Free Cash Flow	61.22	49.84	24	41.25	91.74	65.06
Free Cash Flow Growth	22.83%	107.66%	-41.82%	-55.04%	41.02%	-16.79%
FCF Margin	29.24%	24.88%	14.45%	-164.86%	41.69%	30.75%
Free Cash Flow Per Share	0.00	0.38	0.18	0.31	0.68	0.48
Levered Free Cash Flow	-118.7	-175.11	-680.98	640.29	642.82	-126.83
Unlevered Free Cash Flow	-6.88	-13.42	-16.8	-3.38	10.87	0.09

Updated Jan 28, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q