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Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company offers a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services and mortgage loan; operates a call center; and invests in various securities and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Capitol Federal Financial is the holding company for Capitol Federal Savings Bank, a regional thrift offering deposit products, residential mortgage lending and consumer banking services primarily in the Midwest. Long-term growth may be supported by mortgage production, potential net interest margin improvement as rate conditions permit and steady local deposit flows. Investors may find the company attractive because of its conservative thrift-style balance sheet and potential for predictable earnings as it pursues efficiency gains.
Key risks include sensitivity to interest-rate movements and mortgage prepayment dynamics, regional concentration and housing-market weakness, competition for deposits and loans, and execution or credit-quality deterioration that could pressure earnings and capital.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-10-31 | 2023-09-30 | 2022-10-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-09-30 | 2024-09-30 | 2023-10-31 | 2023-09-30 | 2022-10-31 |
| Income before tax | 83.02M | 54.10M | -152.30M | -138.96M | 107.20M |
| Net income | 68.03M | 38.01M | -111.75M | -101.61M | 84.45M |
| Selling general administrative | 64.70M | 58.32M | 55.95M | 25.92M | 77.93M |
| Selling and marketing expenses | 4.95M | 4.26M | 4.30M | 4.30M | 5.18M |
| Gross profit | 197.45M | 376.84M | -184.80M | -25.02M | 212.63M |
| Reconciled depreciation | 7.72M | - | - | 10.11M | 10.74M |
| Ebit | 83.02M | - | -184.80M | -138.96M | 194.15M |
| Ebitda | 90.74M | 54.10M | -152.30M | -128.85M | 204.89M |
| Depreciation and amortization | 7.72M | - | 32.50M | 10.11M | 10.74M |
| Operating income | 83.02M | 54.10M | -184.80M | -134.50M | 194.15M |
| Other operating expenses | 334.38M | 164.59M | - | 113.93M | 5.18M |
| Interest expense | 219.21M | 214.78M | 206.52M | 206.52M | 86.95M |
| Tax provision | 15.00M | - | -40.55M | -37.30M | 22.75M |
| Interest income | 399.52M | - | 359.79M | 359.79M | 279.54M |
| Net interest income | 180.31M | - | 153.27M | 153.27M | 192.59M |
| Income tax expense | 15.00M | 16.09M | -40.55M | 37.30M | 22.75M |
| Total revenue | 417.40M | 164.59M | -184.80M | -25.02M | 212.63M |
| Total operating expenses | 114.43M | 164.59M | - | 113.93M | 5.18M |
| Cost of revenue | 219.95M | -212.26M | 184.80M | - | - |
| Total other income expense net | - | - | 32.50M | -17.98M | -86.95M |
| Net income from continuing ops | 68.03M | - | -111.75M | -101.66M | 84.45M |
| Net income applicable to common shares | - | - | - | - | 84.45M |
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-10-31 | 2023-09-30 | 2022-10-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-09-30 | 2024-09-30 | 2023-10-31 | 2023-09-30 | 2022-10-31 |
| Total assets | 9778.70M | 9527.61M | 10167.37M | 10167.37M | 9624.90M |
| Intangible assets | 0.22M | - | - | 1.52M | - |
| Other current assets | 7244.52M | 217.67M | - | 282.45M | -1563.31M |
| Total liab | 8731.02M | 8495.34M | 2879.12M | 1889.12M | 8528.40M |
| Total stockholder equity | 1047.68M | 1032.27M | 1033.96M | 1033.96M | 1096.50M |
| Other current liab | 6166.45M | 1776.56M | - | 3428.97M | 57.90M |
| Common stock | 1.32M | 1.33M | 1.36M | 1.36M | 1.39M |
| Capital stock | 1.32M | - | 1.36M | 1.36M | 1.39M |
| Retained earnings | -87.33M | -111.10M | -114.65M | -114.65M | 80.27M |
| Other liab | - | - | - | - | 201.38M |
| Good will | 9.32M | - | - | 9.32M | - |
| Other assets | 1301.16M | - | 7079.43M | 9830.24M | 6353.00M |
| Cash | 252.44M | 217.31M | 245.60M | 245.60M | 49.19M |
| Total current liabilities | 6591.45M | 2426.56M | - | 4449.77M | 33.88M |
| Current deferred revenue | - | - | - | - | 33.88M |
| Net debt | 1698.33M | 1962.26M | 2633.52M | 2633.52M | 2082.96M |
| Short term debt | 425.00M | 650.00M | - | 1020.81M | - |
| Short long term debt total | 1950.77M | 2179.56M | 2879.12M | 2879.12M | 2132.15M |
| Other stockholder equity | 1117.93M | 1148.18M | 1138.56M | 1166.64M | 1160.48M |
| Property plant equipment | - | - | - | - | 94.82M |
| Total current assets | 8364.40M | 217.67M | 1625.27M | 245.60M | 1613.77M |
| Long term investments | 867.22M | - | 1371.14M | 1384.48M | 1563.31M |
| Net tangible assets | - | - | - | - | 1096.50M |
| Short term investments | 867.22M | - | 1371.14M | 1384.48M | 1563.31M |
| Net receivables | 0.22M | 0.36M | 8.53M | 8.53M | 1.27M |
| Long term debt | 1949.71M | - | 2879.12M | 2879.12M | 2132.15M |
| Inventory | - | - | - | -290.99M | 0.33M |
| Accounts payable | - | - | - | - | 6194.87M |
| Accumulated other comprehensive income | 15.76M | -4.80M | 8.70M | 8.70M | -145.63M |
| Non currrent assets other | -8121.51M | 8925.17M | -1462.67M | -1455.42M | -33.88M |
| Non current assets total | 113.14M | 9309.94M | 1462.67M | 91.53M | 1658.13M |
| Capital lease obligations | 1.06M | - | - | - | - |
| Breakdown | 2025-09-30 | 2024-09-30 | 2023-10-31 | 2023-09-30 | 2022-10-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-09-30 | 2024-09-30 | 2023-10-31 | 2023-09-30 | 2022-10-31 |
| Investments | -206.59M | - | - | -550.30M | 235.00M |
| Change to liabilities | - | - | - | - | 0.00M |
| Total cashflows from investing activities | -206.59M | - | - | - | -167.58M |
| Net borrowings | -229.71M | - | - | - | 547.50M |
| Total cash from financing activities | 186.68M | -63.55M | -359.79M | -359.79M | 49.18M |
| Change to operating activities | - | - | - | - | 7.89M |
| Net income | 68.03M | 38.01M | 153.27M | 153.27M | 84.45M |
| Change in cash | 35.14M | -28.30M | -462.79M | -462.79M | -21.10M |
| Begin period cash flow | 217.31M | 83.40M | 103.98M | 103.98M | 70.29M |
| End period cash flow | 252.44M | 50.11M | -358.82M | -358.82M | 49.19M |
| Total cash from operating activities | 55.04M | 28.72M | 0.97M | 0.97M | 97.30M |
| Depreciation | 7.72M | 0.02M | 0.04M | 0.04M | 10.74M |
| Other cashflows from investing activities | -187.16M | - | - | - | -16.15M |
| Dividends paid | 44.25M | 44.52M | -359.79M | 359.79M | -103.13M |
| Change to account receivables | 0.11M | 8.14M | - | - | - |
| Sale purchase of stock | -3.89M | -19.45M | -23.45M | -23.45M | 0.00M |
| Other cashflows from financing activities | 464.53M | 0.42M | 23.45M | 23.45M | 756.97M |
| Change to netincome | - | - | - | - | -5.38M |
| Capital expenditures | 5.20M | 0.00M | 0.00M | 5.46M | 5.56M |
| Change in working capital | -15.94M | - | - | -1.28M | 5.69M |
| Stock based compensation | 1.40M | - | - | 1.68M | 2.24M |
| Other non cash items | -8.24M | -9.31M | -0.04M | -0.04M | -7.87M |
| Free cash flow | 49.84M | 28.72M | 0.97M | 0.97M | 91.74M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CFFN Capitol Federal Financial Inc |
0.03 0.30% |
8.46 | 13.73 | 20.45 | 4.73 | 0.92 | 13.42 |
| DBSDY DBS Group Holdings Ltd ADR |
-1.21 0.52% |
230.75 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.01 0.08% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.04 0.12% |
33.29 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.38 0.47% |
80.27 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company offers a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services and mortgage loan; operates a call center; and invests in various securities and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.
| Name | Title | Year Born |
|---|---|---|
| Mr. John B. Dicus | Chairman, Pres & CEO | 1961 |
| Mr. Kent G. Townsend | Exec. VP, CFO & Treasurer | 1961 |
| Ms. Natalie G. Haag | Exec. VP, Gen. Counsel & Corp. Sec. | 1959 |
| Mr. Rick Cordell Jackson | Chief Lending Officer, Exec. VP & Community Devel. Director | 1965 |
| Mr. Robert D. Kobbeman | Exec. VP & Chief Commercial Banking Officer | 1955 |
| Ms. Tara D. Van Houweling | First VP, Principal Accounting Officer & Reporting Director | 1974 |
| Mr. Daniel L. Lehman | Exec. VP & Chief Retail Operations Officer | 1965 |
| Mr. Anthony S. Barry J.D. | Exec. VP & Chief Corp. Services Officer | 1964 |
| Mr. John B. Dicus | Chairman, President & CEO | 1961 |
| Mr. Kent G. Townsend | Executive VP, CFO & Treasurer | 1961 |
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