Capitol Federal Financial, Inc. filed its Form 10-Q for the quarterly period ended June 30, 2026 with the U.S. Securities and Exchange Commission, reporting third-quarter and nine-month financial results for the fiscal year ending September 30, 2026.

Key Highlights

  • Net income of $23.570 million for the three months ended June 30, 2026, compared to $18.382 million for the same period in 2025, according to the filing.
  • Nine-month net income of $64.022 million for the period ended June 30, 2026, versus $49.212 million for the nine months ended June 30, 2025.
  • Net interest income rose to $53.483 million for the three months ended June 30, 2026, up from $45.458 million in the prior-year quarter.
  • Total assets of $9.662 billion as of June 30, 2026, compared to $9.779 billion as of September 30, 2025.
  • Loans receivable, net, totaled $8.167 billion as of June 30, 2026, up from $8.112 billion at September 30, 2025.
  • Diluted earnings per share of $0.19 for the three months ended June 30, 2026, compared to $0.14 for the three months ended June 30, 2025.
  • 125,698,283 shares outstanding as of August 3, 2026, down from 132,204,305 shares issued and outstanding as of September 30, 2025.

Capitol Federal Financial's Third-Quarter 2026 Financial Condition and Results

Capitol Federal Financial, Inc. (NASDAQ: CFFN), headquartered at 700 South Kansas Avenue, Topeka, Kansas, reported net interest income of $53.483 million for the three months ended June 30, 2026, according to the filing. This compares to $45.458 million for the three months ended June 30, 2025. For the nine months ended June 30, 2026, the company disclosed net interest income of $157.066 million, up from $131.528 million for the same period in 2025. Total interest and dividend income for the third quarter was $105.119 million, while total interest expense was $51.636 million.

The company reported total non-interest income of $6.668 million for the three months ended June 30, 2026, compared to $5.288 million in the prior-year quarter. Total non-interest expense was $31.342 million for the three months ended June 30, 2026, versus $29.564 million for the three months ended June 30, 2025. Salaries and employee benefits represented the largest component of non-interest expense at $16.858 million for the quarter. Income before income tax expense was $29.242 million for the quarter, with income tax expense of $5.672 million, resulting in net income of $23.570 million.

On the balance sheet, the filing disclosed total deposits of $6.851 billion as of June 30, 2026, up from $6.591 billion at September 30, 2025, while borrowings decreased to $1.636 billion from $1.951 billion over the same period. Total stockholders' equity was $1.021 billion as of June 30, 2026, compared to $1.048 billion at September 30, 2025. The accumulated deficit narrowed to $60.798 million from $87.331 million as of September 30, 2025. The allowance for credit losses on loans receivable was $26.103 million as of June 30, 2026.

What Was Disclosed

Capitol Federal Financial filed its unaudited quarterly report covering the three and nine months ended June 30, 2026, disclosing consolidated income statements, balance sheets, statements of comprehensive income, and stockholders' equity data for the current and prior fiscal periods.