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Capitol Federal Financial, Inc. — Fourth Quarter and Fiscal Year 2026 Earnings Summary

  • Fiscal year 2026 net income rose to $86.4 million from $68.0 million in 2025, driven by a 17.4% increase in net interest income to $211.9 million and an EPS increase to $0.69 from $0.52; Q4 2026 net income was $22.4 million, down slightly from $23.6 million in the prior quarter.
  • Management projects fiscal year 2027 total assets to exceed $10 billion, with commercial loans expected to grow 17% and deposits 6.2%, though non-interest expense is forecast to rise 7% due to technology investments and software amortization.
  • The company executed significant capital returns in fiscal 2026, repurchasing 8.05 million shares for $60.6 million and paying $48.0 million in dividends, while securing an additional $75.0 million in repurchase authority from the Federal Reserve.
  • Strategic shifts include a 22.2% year-over-year growth in the commercial loan portfolio to $2.58 billion, a reduction in one- to four-family loans to redirect capital, and the planned launch of new digital wealth management and treasury features in fiscal year 2027.
Company
CAPITOL FEDERAL FINANCIAL INC
Sector
Financial Services
Industry
Banks - Regional