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PR Newswire·

CAPITOL FEDERAL FINANCIAL, INC.® REPORTS FOURTH QUARTER AND FISCAL YEAR 2026 RESULTS

CFFN
  • Capitol Federal Financial, Inc. reported net income of $22.4 million for the quarter ended September 30, 2026, and $86.4 million for the fiscal year ended September 30, 2026, representing a 27.0% increase from fiscal year 2025.
  • Total assets reached $9.67 billion as of September 30, 2026, while stockholders' equity was $1.01 billion.
  • Net interest income increased $1.3 million to $54.8 million for the quarter, with the net interest margin expanding eight basis points to 2.39% due to growth in the higher-yielding commercial loan portfolio.
  • The commercial loan portfolio grew by $111.8 million during the quarter to a total balance of $2.58 billion, up from $2.12 billion at September 30, 2025.
  • Deposits increased $267.7 million during fiscal year 2026, while borrowings decreased $335.3 million, reflecting a strategic remix of the funding base.
  • The Company repurchased 2,512,196 shares for $21.7 million between July 1, 2026, and October 23, 2026, as part of its capital return program.
  • Cash dividends of $0.085 per share were paid in the fourth quarter, with a new quarterly dividend of $0.085 per share announced on October 27, 2026, payable on November 20, 2026.
  • Earnings per share for the quarter were $0.18 (basic and diluted), and the efficiency ratio was 53.79%.
  • No provision for credit losses was recorded in the current quarter, as a release of provision for credit losses associated with the allowance for credit losses offset increases in off-balance sheet exposures.
  • Fiscal year 2027 outlook projects a 17% increase in commercial loan balances, 6.2% deposit growth, and a total asset base exceeding $10 billion in coming fiscal years.
  • Non-interest expense is projected to increase 7% in fiscal year 2027, driven by higher salary, occupancy, and information technology costs.
  • The Bank maintained a CBLR ratio of 9.5% as of September 30, 2026, exceeding well-capitalized regulatory requirements.
  • Management anticipates Federal Reserve interest rate increases during fiscal year 2027, which may pressure deposit costs but support higher loan yields.