For the quarter ending 2025-12-31, CFFN had -$19,809K decrease in cash & cash equivalents over the period. $15,835K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Proceeds from sales of lhfs | - | 1,230 | 3,629 |
| Originations of loans receivable held-for-sale ('lhfs') | - | 1,008 | 1,990 |
| Net income | 20,304 | 18,813 | 49,212 |
| Fhlb stock dividends | 2,032 | 2,163 | 6,834 |
| Provision for credit losses | 1,106 | 519 | 226 |
| Amortization and accretion of premiums and discounts on securities | 838 | 805 | 2,491 |
| Depreciation and amortization of premises and equipment | 1,755 | 1,756 | 5,440 |
| Provision for deferred income taxes | - | 2,080 | - |
| Net loss from securities transactions | - | 0 | 0 |
| Amortization of intangible assets | 63 | 112 | 411 |
| Amortization of deferred amounts related to fhlb advances, net | 335 | 364 | 1,080 |
| Common stock committed to be released for allocation - esop | 268 | 258 | 738 |
| Stock-based compensation | 99 | 100 | 300 |
| Amortization of net deferred loan fees and premiums | 1,117 | - | - |
| Unrestricted cash collateral from derivative counterparties, net | 40 | -780 | -440 |
| Other assets, net | -161 | -4,202 | -2,119 |
| Income taxes receivable, net | 457 | 841 | -727 |
| Deferred income tax assets, net | 487 | - | -1,595 |
| Other liabilities | -4,266 | -2,400 | -18,751 |
| Purchase of fhlb stock | - | 0 | 1,731 |
| Net cash provided by operating activities | 17,443 | 21,524 | 33,517 |
| Proceeds from sale of afs securities | - | 0 | 0 |
| Purchase of afs securities | 1,848 | 0 | 248,207 |
| Proceeds from calls, maturities and principal reductions of afs securities | 40,956 | 86,796 | 147,190 |
| Proceeds from sale of premises and equipment | - | 0 | 43 |
| Proceeds from the redemption of fhlb stock | 7,634 | 9,726 | 11,515 |
| Proceeds from sale of assets held-for-sale | - | 0 | 0 |
| Net change in loans receivable | 64,510 | 89,783 | 117,839 |
| Proceeds from bank-owned life insurance ('boli') death benefit | - | 0 | 667 |
| Proceeds from sale of participating interest in loans receivable | - | 0 | - |
| Purchase of premises and equipment | 1,608 | 1,652 | 3,550 |
| Proceeds from sale of other real estate owned ('oreo') | 0 | 129 | 110 |
| Net cash (used in) investing activities | -19,376 | 5,216 | -211,802 |
| Cash dividends paid | 11,017 | 11,066 | 33,186 |
| Net change in deposits | 167,184 | 160,311 | 301,155 |
| Proceeds from borrowings | 50,100 | 0 | 650,100 |
| Repayments on borrowings | 171,280 | 121,179 | 758,635 |
| Change in advances by borrowers | -36,893 | 26,559 | -22,944 |
| Payment of fhlb prepayment penalties | 11 | 0 | 547 |
| Repurchase of common stock and excise tax payments | 15,959 | 3,887 | 0 |
| Net cash (used in) provided by financing activities | -17,876 | 50,738 | 135,943 |
| Net (decrease) in cash and cash equivalents | -19,809 | 77,478 | -42,342 |
| Cash and cash equivalents at beginning of period | 252,443 | 217,307 | - |
| Cash and cash equivalents at end of period | 232,634 | 252,443 | - |
Capitol Federal Financial, Inc. (CFFN)
Capitol Federal Financial, Inc. (CFFN)