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Capitol Federal Financial, Inc. (CFFN)

For the quarter ending 2025-06-30, CFFN made $104,515K in revenue. $18,382K in net income. Net profit margin of 17.59%.

Overview

Revenue
$104,515K
Net Income
$18,382K
Net Profit Margin
17.59%
EPS
$0.14
Unit: Thousand (K) dollars
Revenue Breakdown
    • Loans receivable
    • Mortgage-backed securities ('mbs...
    • Revenue from contracts with cust...
    • Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)
2025-06-30
2024-06-30
Revenue from contracts with customers-Insurance Services884 -
Revenue from contracts with customers-Deposit Account2,867 -
Other non-interest income1,537 1,098
Net loss from securities transactions- -
Revenue from contracts with customers- 3,611
Total non-interest income5,288 4,709
Office supplies and related expense370 405
Other non-interest expense983 1,260
Occupancy, net3,270 3,263
Salaries and employee benefits15,277 13,307
Federal insurance premium1,072 1,352
Information technology and related expense5,163 5,364
Advertising and promotional1,453 951
Regulatory and outside services1,261 1,322
Deposit and loan transaction costs715 726
Total non-interest expense29,564 27,950
Provision for credit losses-451 1,472
Total interest expense- 54,671
Deposits35,860 36,233
Borrowings18,360 18,438
Total interest expense54,220 -
Mortgage-backed securities ('mbs')12,163 9,585
Cash and cash equivalents1,620 3,875
Investment securities784 2,255
Loans receivable82,914 76,803
Fhlb stock2,197 2,477
Total interest and dividend income99,678 94,995
Net interest income45,458 40,324
Net interest income after provision for credit losses45,909 38,852
Income before income tax expense21,633 15,611
Income tax expense3,251 5,963
Net income18,382 9,648
Basic earnings per share ('eps')0.14 0.07
Basic weighted average common shares130,081,065 129,866,397
Diluted eps0.14 0.07
Diluted weighted average common shares130,081,065 129,866,397
Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement

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Fhlb stock$2,197K (-11.30%↓ Y/Y)Loans receivable$82,914K (7.96%↑ Y/Y)Investment securities$784K (-65.23%↓ Y/Y)Cash and cashequivalents$1,620K (-58.19%↓ Y/Y)Mortgage-backed securities('mbs')$12,163K (26.90%↑ Y/Y)Total interest anddividend income$99,678K (4.93%↑ Y/Y)Net interest income$45,458K (12.73%↑ Y/Y)Provision for creditlosses-$451K (-130.64%↓ Y/Y)Other non-interestincome$1,537K (39.98%↑ Y/Y)Revenue from contractswith...$2,867K Revenue from contractswith...$884K Total interestexpense$54,220K Net interest incomeafter provision for...$45,909K (18.16%↑ Y/Y)Total non-interestincome$5,288K (12.30%↑ Y/Y)Borrowings$18,360K (-0.42%↓ Y/Y)Deposits$35,860K (-1.03%↓ Y/Y)Income before incometax expense$21,633K (38.58%↑ Y/Y)Total non-interestexpense$29,564K (5.77%↑ Y/Y)Net income$18,382K (90.53%↑ Y/Y)Income tax expense$3,251K (-45.48%↓ Y/Y)Deposit and loantransaction costs$715K (-1.52%↓ Y/Y)Regulatory and outsideservices$1,261K (-4.61%↓ Y/Y)Advertising and promotional$1,453K (52.79%↑ Y/Y)Information technology andrelated expense$5,163K (-3.75%↓ Y/Y)Federal insurancepremium$1,072K (-20.71%↓ Y/Y)Salaries and employeebenefits$15,277K (14.80%↑ Y/Y)Occupancy, net$3,270K (0.21%↑ Y/Y)Other non-interestexpense$983K (-21.98%↓ Y/Y)Office supplies andrelated expense$370K (-8.64%↓ Y/Y)