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Cash Flow Overview

Change in Cash
-$194,827K
Free Cash flow
$15,679K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from calls, maturities ...
    • Net income
    • Proceeds from the redemption of ...
    • Others
Negative Cash Flow Breakdown
    • Net change in deposits
    • Repayments on borrowings
    • Net change in loans receivable
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
23,570
20,148
20,304
18,813
Fhlb stock dividends
1,767
1,858
2,032
2,163
Provision for credit losses
-433
2,372
1,106
519
Originations of loans receivable held-for-sale ('lhfs')
403
0
-
1,008
Proceeds from sales of lhfs
408
0
-
1,230
Amortization and accretion of premiums and discounts on securities
1,030
861
838
805
Depreciation and amortization of premises and equipment
1,760
1,752
1,755
1,756
Amortization of intangible assets
64
64
63
112
Amortization of deferred amounts related to fhlb advances, net
377
316
335
364
Common stock committed to be released for allocation - esop
323
295
268
258
Stock-based compensation
97
94
99
100
Provision for deferred income taxes
-
-
-
2,080
Amortization of net deferred loan fees and premiums
332
746
1,117
-
Net loss from securities transactions
-
-
-
0
Change in cash surrender value of boli
3,575
-
-
-
Unrestricted cash collateral from derivative counterparties, net
260
660
40
-780
Other assets, net
-3,080
-5,005
-161
-4,202
Income taxes receivable, net
173
-1,167
457
841
Deferred income tax assets, net
-1,754
-1,804
487
-
Other liabilities
-6,893
-6,432
-4,266
-2,400
Net cash provided by operating activities
17,433
21,446
17,443
21,524
Purchase of afs securities
14,897
21,041
1,848
0
Proceeds from calls, maturities and principal reductions of afs securities
36,829
35,342
40,956
86,796
Proceeds from sale of afs securities
-
-
-
0
Proceeds from the redemption of fhlb stock
5,072
7,498
7,634
9,726
Payments to acquire federal home loan bank stock
0
-
-
0
Net change in loans receivable
51,877
-61,213
64,510
89,783
Proceeds from sale of assets held-for-sale
-
-
-
0
Purchase of boli
0
45,000
-
-
Proceeds from sale of participating interest in loans receivable
-
-
-
0
Proceeds from boli death benefit
909
0
-
0
Purchase of premises and equipment
1,754
1,302
1,608
1,652
Proceeds from sale of premises and equipment
2
0
-
0
Proceeds from sale of other real estate owned ('oreo')
131
278
0
129
Net cash (used in) investing activities
-25,585
36,988
-19,376
5,216
Net change in deposits
-73,786
165,859
167,184
160,311
Proceeds from borrowings
100
375,000
50,100
0
Repayments on borrowings
71,286
496,197
171,280
121,179
Payment of fhlb prepayment penalties
0
2,136
11
0
Cash dividends paid
10,563
15,909
11,017
11,066
Repurchase of common stock and excise tax payments
14,206
15,765
15,959
3,887
Change in advances by borrowers
-16,934
29,005
-36,893
26,559
Net cash (used in) provided by financing activities
-186,675
39,857
-17,876
50,738
Net (decrease) in cash and cash equivalents
-194,827
98,291
-19,809
77,478
Beginning of year
232,634
232,634
252,443
217,307
End of year
136,098
330,925
232,634
252,443
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net income$23,570K (-52.11%↓ Y/Y)Other assets, net-$3,080K (-45.35%↓ Y/Y)Depreciation andamortization of premises and...$1,760K (-67.65%↓ Y/Y)Deferred income taxassets, net-$1,754K (-9.97%↓ Y/Y)Proceeds from sales oflhfs$408K (-88.76%↓ Y/Y)Amortization of deferredamounts related to fhlb...$377K (-65.09%↓ Y/Y)Common stock committedto be released for...$323K (-56.23%↓ Y/Y)Unrestricted cash collateralfrom derivative...$260K (159.09%↑ Y/Y)Income taxesreceivable, net$173K (123.80%↑ Y/Y)Stock-based compensation$97K (-67.67%↓ Y/Y)Amortization of intangibleassets$64K (-84.43%↓ Y/Y)Net cash provided byoperating activities$17,433K (-47.99%↓ Y/Y)Canceled cashflow$14,433K Net (decrease) incash and cash...-$194,827K (-360.13%↓ Y/Y)Canceled cashflow$17,433K Proceeds from borrowings$100K (-99.98%↓ Y/Y)Proceeds from calls,maturities and principal...$36,829K (-74.98%↓ Y/Y)Proceeds from theredemption of fhlb stock$5,072K (-55.95%↓ Y/Y)Proceeds from boli deathbenefit$909K (36.28%↑ Y/Y)Proceeds from sale ofother real estate...$131K (19.09%↑ Y/Y)Proceeds from sale ofpremises and equipment$2K (-95.35%↓ Y/Y)Other liabilities-$6,893K (63.24%↑ Y/Y)Change in cashsurrender value of boli$3,575K Fhlb stock dividends$1,767K (-74.14%↓ Y/Y)Amortization and accretion ofpremiums and discounts on...$1,030K (-58.65%↓ Y/Y)Provision for creditlosses-$433K (-291.59%↓ Y/Y)Originations of loansreceivable held-for-sale...$403K (-79.75%↓ Y/Y)Amortization of net deferredloan fees and...$332K Net cash (used in)provided by financing...-$186,675K (-237.32%↓ Y/Y)Net cash (used in)investing activities-$25,585K (87.92%↑ Y/Y)Canceled cashflow$100K Canceled cashflow$42,943K Net change indeposits-$73,786K (-124.50%↓ Y/Y)Repayments on borrowings$71,286K (-90.60%↓ Y/Y)Change in advances byborrowers-$16,934K (26.19%↑ Y/Y)Repurchase of common stockand excise tax...$14,206K Cash dividends paid$10,563K (-68.17%↓ Y/Y)Net change in loansreceivable$51,877K (-55.98%↓ Y/Y)Purchase of afssecurities$14,897K (-94.00%↓ Y/Y)Purchase of premises andequipment$1,754K (-50.59%↓ Y/Y)

Capitol Federal Financial, Inc. (CFFN)

Capitol Federal Financial, Inc. (CFFN)