Capitol Federal Financial, Inc.
CFFNNasdaqFinancials · Savings Institution, Federally Chartered · MD · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $16.3M | $15.3M | $17.6M | $18.1M | $16.5M | $14.8M |
| Operating income | — | — | — | — | — | — |
| Net income | $68.0M | $38.0M | −$101.7M | $84.5M | $76.1M | $64.5M |
| Total assets | $9.78B | $9.53B | $10.18B | $9.62B | $9.63B | $9.49B |
| Total liabilities | $8.73B | $8.50B | $9.13B | $8.53B | $8.39B | $8.20B |
| Equity | $1.05B | $1.03B | $1.04B | $1.10B | $1.24B | $1.28B |
| EPS (diluted) | $0.52 | $0.29 | $-0.76 | $0.62 | $0.56 | $0.47 |
| Shares out. | 131.8M | 132.8M | 135.2M | 137.5M | 138.8M | 138.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 417.3%
- Return on equity
- 6.5%
- Return on assets
- 0.7%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.3%
- Debt / equity
- 8.33×
- Book value / share
- $7.95
- Revenue growth (YoY)
- 6.5%
- Net income growth (YoY)
- 79.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.1%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Holdco Asset Management, LpActivist (13D)May 5, 2026
- Vanguard Portfolio Management LlcPassive (13G)Apr 29, 2026
- Dimensional Fund Advisors LpPassive (13G)Apr 9, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Blackrock, Inc.Passive (13G)Jul 17, 2025
- T. Rowe Price Investment Management, Inc.Passive (13G)May 14, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 5.7M | 7.2 | -3.8% |
| Apr 30, 2026 | 5.9M | 5.3 | +14.0% |
| Apr 15, 2026 | 5.2M | 7.5 | -0.9% |
| Mar 31, 2026 | 5.2M | 4.7 | +17.4% |
| Mar 13, 2026 | 4.4M | 4.9 | +9.7% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Results of operations · Regulation FD disclosureApr 29, 2026
- Shareholder vote · Regulation FD disclosureJan 29, 2026
- Results of operations · Regulation FD disclosureJan 28, 2026
- Regulation FD disclosureJan 23, 2026
- Regulation FD disclosureDec 17, 2025
- Results of operations · Regulation FD disclosureOct 29, 2025
- Other material eventOct 17, 2025
- Director / officer changeSep 25, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 10-QMARCH 31, 2026 FORM 10-QMay 8, 2026
- SCHEDULE 13DMay 5, 2026
- SCHEDULE 13GApr 29, 2026
- 8-KCURRENT REPORT, ITEMS 2.02, 7.01, AND 9.01Apr 29, 2026
- SCHEDULE 13GApr 9, 2026
- S-8CFFN FORM S-8Apr 8, 2026
- SCHEDULE 13G/AMar 26, 2026
- 10-QDECEMBER 31, 2025 FORM 10-QFeb 6, 2026
- 8-K/ACURRENT REPORT, ITEM 5.02Feb 2, 2026
- 8-KCURRENT REPORT, ITEMS 5.07, 7.01 AND 9.01Jan 29, 2026
- 8-KJan 28, 2026
- 8-KPRESS RELEASE ANNOUNCING ANNUAL MEETING PRESENTATION AVAILABILITYJan 23, 2026
- SCHEDULE 13G/AJan 21, 2026
- 4FORM 4Jan 5, 2026
- 4FORM 4Jan 5, 2026