Short answer
Capitol Federal Financial, Inc. (CFFN) filed its fiscal 2025 10-K annual report with the SEC on Nov 26, 2025. It reported revenue of $16M (+6.5% year over year) and net income of $68M.
- Top risk flagged: Regulatory risk from Gramm-Leach-Bliley Act cybersecurity compliance overseen by Bank's Board with regular updates and annual training
FY2025 key financial metrics · XBRL
- Revenue
- $16M
- +6.5% YoY
- Net income
- $68M
- +79.0% YoY
- EPS (diluted)
- $0.52
- +79.3% YoY
- ROE
- 6.5%
- +2.8 pp YoY
- Operating cash flow
- $55M
- +76.5% YoY
Source: XBRL data from the Capitol Federal Financial, Inc. (CFFN) FY2025 10-K on SEC EDGAR. USD.
Capitol Federal Financial, Inc. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
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
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
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