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Capitol Federal Financial CFFN · USD

Financials · US listing · 🇺🇸 United States

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8.60

+2.02%

Close of 9 Nov 2026, in USD

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About Capitol Federal Financial

From its filings with the US Securities and Exchange Commission

SEC filings

Capitol Federal Financial is based in Topeka, Kansas and is incorporated in Maryland. Its shares trade on Nasdaq under the ticker CFFN. The SEC classifies its business as savings institution, federally chartered. In the fiscal year to 30 September 2025, it reported revenue of $16.3m and net income of $68.0m. At that date it held total assets of $9.78bn and shareholders' equity of $1.05bn.

In its own words

The Company is a Maryland corporation with its common stock traded on the Global Select tier of the NASDAQ Stock Market. The Bank is a wholly-owned subsidiary of the Company and is a federally chartered and insured savings bank headquartered in Topeka, Kansas. The Bank continues to transition from a retail oriented financial institution to one with an expanded focus on commercial customers by strategically growing all aspects of commercial banking through investment in technology, people, products, and services.

We attract deposits primarily from the general public and from businesses, and invest those funds primarily in commercial loans, either secured by real estate or for commercial and industrial purposes, and in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences. The Bank is active in commercial lending markets even when the lending opportunity is outside of the Bank's local footprint. We also participate with other lenders in commercial loans, and have previously purchased loans from correspondent lenders secured by mortgages on one- to four-family residences but we suspended that line of business in June 2024. The Bank invests in certain investment securities and mortgage-backed securities ("MBS"). The Bank funds our lending and investing activities from deposits and Federal Home Loan Bank of Topeka ("FHLB") borrowings.

Quoted from its 10-K, filed 26 Nov 2025. Read the filing on SEC.gov ↗

Company facts

Sector
Financials
Industry
Thrifts & Mortgage Finance
Listed since
1 Apr 1999
Employees
678
Head office
700 S KANSAS AVENUE, TOPEKA, KS, 66603
Incorporated in
MD
Classification
Savings Institution, Federally Chartered
Filer status
Large accelerated filer

Leadership

Pay as last reported

  • Mr. John DicusChairman of the Board, President, Chief Executive Officer, since 1999$1.3m
  • Mr. Kent TownsendChief Financial Officer, Executive Vice President of Bank and the Company, Treasurer$625,981
  • Ms. Natalie HaagExecutive Vice President, General Counsel, Corporate Secretary of the Bank and the Company$474,871
  • Mr. Anthony BarryExecutive Vice President, Chief Corporate Services Officer of the Bank and the Company$443,549
  • Mr. Rick JacksonExecutive Vice President, Chief Lending Officer of the Bank and the Company, since 2017$515,135
  • Mr. William SkrobaczExecutive Vice President and Chief Retail Operations Officer of the Bank and Company$381,019
  • Ms. Michel ColeIndependent Director$73,000
  • Mr. Morris HueyIndependent Director, since 2002$72,000
  • Mr. Jeffrey JohnsonIndependent Director$72,000
  • Dr. Michael McCoyIndependent Director$72,000
  • Mr. James MorrisIndependent Director$72,000
  • Mr. Carlton RickettsIndependent Director, since 2012$73,000

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
41
Environment
45
Social
46
Governance
32
Carbon reduction policy
No
Human rights policy
No

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Capitol Federal Financial Inc is a well-established financial institution with a strong reputation in the market.
  • The company has a solid financial position with consistent profits and stable growth over the years.
  • Capitol Federal Financial Inc has a strong customer base and a loyal customer following.

Weaknesses

  • The company has a limited geographical presence, primarily concentrated in a specific region.
  • Capitol Federal Financial Inc may be susceptible to changes in interest rates, impacting its revenue and profitability.
  • The company relies heavily on its traditional banking services and may face challenges in adapting to digital banking trends.

Opportunities

  • Expansion into new markets and geographical areas can help Capitol Federal Financial Inc increase its customer base and market share.
  • The rising trend of digital banking provides an opportunity for Capitol Federal Financial Inc to enhance its online services and attract tech-savvy customers.
  • Strategic partnerships or acquisitions can enable the company to diversify its product offerings and enter new business segments.

Threats

  • Intense competition from other financial institutions may impact Capitol Federal Financial Inc's market position and profitability.
  • Economic downturns or financial crises can significantly affect the company's operations and financial performance.
  • Increasing regulatory requirements and compliance costs pose a threat to the company's profitability and operational efficiency.

Sources and methodology

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