CFFN at a glance
Capitol Federal Financial, Inc. (CFFN, SEC CIK 1490906) filed its latest 10-K annual report on November 26, 2025, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 24, 2026 and Form 4 insider filings as recently as September 24, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended September 30, 2025 (FY2025), Capitol Federal Financial, Inc. (CFFN) reported revenue of $16.3 million (up 6.5% from FY2024) and net income of $68.0 million. Diluted EPS was $0.52.
- As of June 30, 2026, 30 institutional investment managers tracked by SignalX reported holding Capitol Federal Financial, Inc. (CFFN) shares worth $564.2 million in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $16.3M
- +6.5% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 30 funds
- $564.2M · +1 vs prior quarter
- Latest 8-K
- Sep 24, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Sep 30, 2025
Business Overview
- Core business model: Community banking with focus on one- to four-family residential and commercial real estate loans
- Increasing emphasis on asset quality with nonaccrual loans rising to $48.1M (0.59% of total loans) from $10.1M (0.13%) prior year
- Delinquent loans 30-89 days decreased to $12.3M (0.15% of total loans) vs $16.0M (0.20% prior year) indicating improved short-term collections
- Geographic concentration: 56.3% of one- to four-family loans secured in Kansas, with Kansas also holding 93.1% of delinquent commercial real estate loans
- Noteworthy: Total non-performing assets increased to $48.3M (0.49% of total assets) from $10.1M (0.11%), driven by commercial real estate loan reclassification
Risk Factors
- Regulatory risk from Gramm-Leach-Bliley Act cybersecurity compliance overseen by Bank's Board with regular updates and annual training
- Macroeconomic threat from ongoing cyberattacks targeting Bank's websites, systems, and users with phishing and malware attempts
- Operational risk in reliance on third-party vendors for critical IT and cybersecurity services managed through a third-party risk program
- Competitive risk of reputational damage or operational disruption from potential material cybersecurity incidents affecting customer trust
- Financial risk of material adverse impact on results or cash flows from unauthorized access or data breaches despite multilayered defense system
Management Discussion & Analysis
- Total borrowings $1.95B, ~20% of total assets, below 55% internal limit; $510M amortizing or maturing in next 12 months
- Liquidity available $2.92B from FHLB collateral and unencumbered securities at September 30, 2025
- No borrowings from FRB discount window; securities pledged $91.1M; no AFX overnight borrowings outstanding
- Deposit maturities $2.17B in next 12 months; public unit CDs 2% of deposits, brokered CDs none
- No direct revenue, profitability, or forward guidance data in this Liquidity and Capital Resources section
AI summary of the CFFN 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Nine-month net income $64.0M vs $49.2M YoY; EPS $0.51 vs $0.38
- Net interest margin 2.25% vs 1.92% YoY; efficiency ratio 52.72% vs 58.89%
- Commercial loans increased $357.0M; one- to four-family loans decreased $302.4M
- Deposits rose $259.3M to $6.85B; borrowings fell $314.5M to $1.64B
- Share repurchases $45.9M and dividends $37.5M; commercial growth and interest-rate repricing remained key headwinds
Risk Factors
- No material changes to 10-K risk factors for fiscal year ended September 30, 2025
- OCC dividend restrictions limiting distributions from the Bank to the Company
- FRB of Kansas City buyback non-objection expires February 2027
- Stock repurchase authorization reduced to $25.2 million as of June 30, 2026
- Available liquidity and market conditions affecting continued stock repurchases
AI summary of the CFFN 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- William “Billy” Skrobacz, Jr. appointed President of Company and Bank effective October 1, 2026
- Day-to-day operational responsibility shifts to Skrobacz, including commercial operations, support functions and strategy
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Principal Accounting Officer Tara Van Houweling departing October 9, 2026 after 23 years
- CFO Kent Townsend assuming Principal Accounting Officer responsibilities
Item 2.02: Results of Operations and Financial Condition
- Third-quarter fiscal 2026 results released July 29, 2026
- Quarterly investor presentation released alongside earnings materials
Item 7.01: Regulation FD Disclosure
- Quarterly cash dividend $0.085 per share announced
- Payment date August 21, 2026 for shareholders of record August 7, 2026
AI summaries of CFFN 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CFFN
Don't miss the next CFFN filing
- Alerts as it files. A push when CFFN files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut CFFN, by share count.
- Ask anything. An AI agent that reads every CFFN filing and answers with sources.
CFFN alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Skrobacz William Joseph Jr | A | Sep 23, 2026 | 22,500 | - |
| Barry Anthony S. | D | Dec 31, 2025 | 8,080 | $6.81 |
| Haag Natalie G. | M | Dec 31, 2025 | 8,727 | $8.65 |
| Barry Anthony S. | A | Dec 31, 2025 | 10,466 | $6.81 |
| Haag Natalie G. | M | Dec 31, 2025 | 8,727 | $8.65 |
| Haag Natalie G. | D | Dec 31, 2025 | 8,727 | $6.81 |
| Barry Anthony S. | M | Dec 31, 2025 | 8,080 | $8.65 |
| Haag Natalie G. | A | Dec 31, 2025 | 11,235 | $6.81 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $17.6M | $15.3M | $16.3M |
| Net Income | -$101.7M | $38.0M | $68.0M |
| Net Margin | -577.6% | 248.4% | 417.3% |
| Balance Sheet | |||
| Total Assets | $10.2B | $9.5B | $9.8B |
| Equity | $1.0B | $1.0B | $1.0B |
| ROE | -9.7% | 3.7% | 6.5% |
| Per Share | |||
| EPS | - | $0.29 | $0.52 |
| Cash Flow | |||
| Operating CF | $47.5M | $31.2M | $55.0M |
| CapEx | $6.3M | $7.2M | $5.2M |
Source: XBRL data in Capitol Federal Financial, Inc. (CFFN)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CFFN share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 30 | $564.2M |
| Q1 2026 | 29 | $462.1M |
| Q4 2025 | 27 | $437.0M |
| Q3 2025 | 29 | $421.0M |
| Q2 2025 | 29 | $398.4M |
| Q1 2025 | 24 | $257.8M |
| Q4 2024 | 20 | $235.9M |
| Q3 2024 | 17 | $150.0M |
- Millennium Management+2.11M (+375%)
- Dimensional Fund Advisors+490.7K (+7%)
- State Street Corp+319.6K (+5%)
- Bank of America Corp+230.7K (+35%)
- Citadel Advisors LLC+158.8K (+162%)
- Goldman Sachs Group−1.30M (-70%)
- Renaissance Technologies LLC−370.4K (-9%)
- BlackRock−245.7K (-1%)
- Two Sigma Investments−169.4K (-9%)
- AQR Capital Management−133.5K (-4%)
- M&T Bank+17.5K
Source: 13F-HR filings on SEC EDGAR (aggregated from 205 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CFFN filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 24, 2026 | - | Analysis | - |
| 4 | Sep 24, 2026 | - | - | - |
| 8-K | Sep 22, 2026 | - | Analysis | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| SC 13G | Aug 7, 2026 | - | - | |
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| SC 13D | May 5, 2026 | - | - | |
| 8-K | Apr 29, 2026 | - | Analysis | - |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 9, 2026 | - | - | |
| 10-Q | Feb 6, 2026 | Dec 31, 2025 | Analysis | |
| 8-K | Feb 2, 2026 | - | - | |
| 8-K | Jan 29, 2026 | - | - | |
| 8-K | Jan 28, 2026 | - | - | |
| 8-K | Jan 23, 2026 | - | - | |
| 4 | Jan 5, 2026 | - | - | |
| 4 | Jan 5, 2026 | - | - | |
| 4 | Jan 5, 2026 | - | - | |
| 4 | Jan 5, 2026 | - | - | |
| 4 | Jan 5, 2026 | - | - | |
| 4 | Jan 5, 2026 | - | - | |
| 4 | Jan 5, 2026 | - | - | |
| 8-K | Dec 17, 2025 | - | - | |
| 10-K | Nov 26, 2025 | Sep 30, 2025 | Analysis |
Related Financials companies
- AX · Axos Financial, Inc.Savings Institution, Federally Chartered
- BKU · BankUnited, Inc.Savings Institution, Federally Chartered
- BCBP · BCB BANCORP INCSavings Institution, Federally Chartered
- BVFL · BV Financial, Inc.Savings Institution, Federally Chartered
- CZWI · Citizens Community Bancorp Inc.Savings Institution, Federally Chartered
- CLBK · Columbia Financial, Inc.Savings Institution, Federally Chartered
- EBC · Eastern Bankshares, Inc.Savings Institution, Federally Chartered
- FMAO · FARMERS & MERCHANTS BANCORP INCSavings Institution, Federally Chartered
CFFN SEC filings: frequently asked questions
Which institutions hold CFFN stock?
As of June 30, 2026, the largest Capitol Federal Financial, Inc. (CFFN) holders among the 13F filers tracked by SignalX were BlackRock ($152.5 million), Dimensional Fund Advisors ($62.0 million), Vanguard Portfolio Management LLC ($56.4 million), State Street Corp ($54.4 million), Vanguard Capital Management LLC ($43.2 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CFFN's revenue in fiscal year 2025?
For the fiscal year ended September 30, 2025 (FY2025), Capitol Federal Financial, Inc. (CFFN) reported revenue of $16.3 million (up 6.5% from FY2024) and net income of $68.0 million. Diluted EPS was $0.52. The figures come from the XBRL data in the 10-K.
What are the main risks in CFFN's latest 10-K?
In the 10-K filed November 26, 2025, Capitol Federal Financial, Inc. (CFFN) flagged: Regulatory risk from Gramm-Leach-Bliley Act cybersecurity compliance overseen by Bank's Board with regular updates and annual training. Macroeconomic threat from ongoing cyberattacks targeting Bank's websites, systems, and users with phishing and malware attempts. (AI summary of the Risk Factors section.)
What did CFFN report in its latest 8-K?
Capitol Federal Financial, Inc. (CFFN) filed an 8-K on September 24, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). William “Billy” Skrobacz, Jr. appointed President of Company and Bank effective October 1, 2026.
What are the latest CFFN SEC filings?
Capitol Federal Financial, Inc. (CFFN) filed its latest 10-K annual report on November 26, 2025, a 10-Q quarterly report on August 7, 2026, an 8-K current report on September 24, 2026 and a Form 4 insider filing on September 24, 2026.
What is CFFN's SEC CIK number?
Capitol Federal Financial, Inc. (CFFN)'s SEC Central Index Key (CIK) is 1490906. EDGAR lists every CFFN filing under that number.
Ask anything about CFFN
The research agent reads CFFN's filings, financials, insider trades and 13F holders, then answers with sources.