SequelSEC

Capitol Federal Financial, Inc. CFFN

Savings Institution, Federally Chartered · CIK 0001490906 · Fiscal year ends 0930 · Bank

AnnualQuarterlyTTM
Revenue
Unavailable
Fiscal year ended 2025-09-30
Net income
Unavailable
Fiscal year ended 2025-09-30
Total assets
$9.78B
Fiscal year ended 2025-09-30

Valuation, from the filing

Public float$720.80MMarket value of stock held by non-affiliates, as stated on the cover page for 2025-03-31
Float per share$5.47Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself.
Float / net income10.6×A lower bound on the multiple, because affiliate holdings are excluded.
Float / revenue44.2×A lower bound on the multiple, because affiliate holdings are excluded.
Float / equity0.7×A lower bound on the multiple, because affiliate holdings are excluded.

Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-03-31, not today, and each multiple below it uses the figures for the fiscal year ending 2025-09-30 — the year that filing covered.

Valuation over time

10.6× earnings today, against a median of 19.8× across 8 years on record. Below its own history.

Float measuredPublic floatFloat / net income
2025-03-31$720.80M10.6×
2024-03-31$772.20M20.3×
2022-03-31$1.45B17.2×
2021-03-31$1.75B23.0×
2020-03-31$1.61B24.9×
2019-03-31$1.82B19.3×
2018-03-31$1.68B17.0×
2017-03-31$1.99B23.7×

Each float is paired with the fiscal year the filing that stated it covers. Only years where the company reported positive net income appear, because a multiple against a loss is not a multiple.

How this compares in its industry

Percentile among the Savings Institution, Federally Chartered filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.

MeasureReportedPercentile
FCF margin305.8%75th
Net margin417.3%75th
SBC / revenue2.5%38th
Effective tax rate18.1%44th
CapEx / revenue31.9%50th
Revenue YoY growth6.5%50th

This page shows 10 annual periods of income statement, balance sheet and cash flow figures normalized from Capitol Federal Financial, Inc.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institution, Federally Chartered.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

Capitol Federal Financial, Inc. income by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-09-302024-09-302023-09-302022-09-302021-09-302020-09-302020-06-302020-03-312019-12-312019-09-30
RevenueUnavailableUnavailableUnavailableUnavailableUnavailable$3.90M$3.40M$3.50M$4.00M$4.20M
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net incomeUnavailableUnavailableUnavailableUnavailableUnavailable$18.28M$19.47M$4.28M$22.51M$22.41M
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesUnavailableUnavailableUnavailableUnavailableUnavailableshares 137.70Mshares 138.02Mshares 138.00Mshares 137.98Mshares 137.87M
Pretax incomeUnavailableUnavailableUnavailableUnavailableUnavailable$23.49M$24.56M$5.10M$27.48M$29.04M
Income tax expenseUnavailableUnavailableUnavailableUnavailableUnavailable$5.21M$5.09M$824.00K$4.96M$6.63M
Diluted EPSUnavailableUnavailableUnavailableUnavailableUnavailable$0.13$0.14$0.03$0.16$0.16
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

Capitol Federal Financial, Inc. balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-09-302024-09-302023-09-302022-09-302021-09-302020-09-302020-06-302020-03-312019-12-312019-09-30
Cash & equivalents$252.44M$217.31M$245.60M$49.19M$42.26M$185.15M$396.22M$118.37M$70.70M$220.37M
Total assets$9.78B$9.53B$10.18B$9.62B$9.63B$9.49B$9.56B$9.37B$9.24B$9.34B
Current assetsUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total liabilities$8.73B$8.50B$9.13B$8.53B$8.39B$8.20B$8.26B$8.08B$7.93B$8.00B
Current liabilitiesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$1.05B$1.03B$1.04B$1.10B$1.24B$1.28B$1.30B$1.29B$1.31B$1.34B
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Goodwill$9.32M$9.32M$9.32M$9.32M$9.32MUnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debtUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

Capitol Federal Financial, Inc. cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-09-302024-09-302023-09-302022-09-302021-09-302020-09-302020-06-302020-03-312019-12-312019-09-30
Operating cash flowUnavailableUnavailableUnavailableUnavailableUnavailable$23.79M$30.76M$11.57M$26.81M$25.42M
Capital expendituresUnavailableUnavailableUnavailableUnavailableUnavailable$5.32M$2.92M$2.62M$3.88M$2.89M
Investing cash flowUnavailableUnavailableUnavailableUnavailableUnavailable-$154.12M$108.64M-$65.03M-$40.78M$142.82M
Financing cash flowUnavailableUnavailableUnavailableUnavailableUnavailable-$84.18M$140.15M$130.87M-$142.47M$15.34M
Net change in cashUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Stock-based compensationUnavailableUnavailableUnavailableUnavailableUnavailable$120.00K$132.00K$152.00K$166.00K$200.00K
Common dividends paidUnavailableUnavailableUnavailableUnavailableUnavailable$11.73M$11.73M$11.73M$58.66M$11.71M
Common share repurchasesUnavailableUnavailableUnavailableUnavailableUnavailable$20.77M$0$0$0Unavailable
Depreciation & amortizationUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Derived

Capitol Federal Financial, Inc. derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-09-302024-09-302023-09-302022-09-302021-09-302020-09-302020-06-302020-03-312019-12-312019-09-30
Free cash flowUnavailableUnavailableUnavailableUnavailableUnavailable$18.47M$27.84M$8.95M$22.93M$22.54M
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailableUnavailableUnavailable473.6%818.7%255.7%573.2%536.5%
SBC / revenueUnavailableUnavailableUnavailableUnavailableUnavailable3.1%UnavailableUnavailableUnavailable4.8%
Current ratioUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Revenue YoY growthUnavailableUnavailableUnavailableUnavailableUnavailable-7.1%-20.9%-7.9%-7.0%Unavailable
Net marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailableUnavailableUnavailable136.4%UnavailableUnavailableUnavailable68.7%
Long-term debt / equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Effective tax rateUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable20.7%16.2%18.1%Unavailable

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open CFFN in the interactive workspace to inspect any figure back to its filing.

Source filings

10-Q · Filed 2026-08-07View SEC filing
10-Q · Filed 2026-05-08View SEC filing
10-Q · Filed 2026-02-06View SEC filing
10-K · Filed 2025-11-26View SEC filing
10-Q · Filed 2025-08-08View SEC filing
10-Q · Filed 2025-05-09View SEC filing

Companies in the same industry

AX BCBP BCTF BKU BVFL BYFC CARV CLST CPBI CZWI EBC FCAP

Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.