Capitol Federal Financial, Inc. (CFFN) FY2025 10-K Annual Report
Capitol Federal Financial, Inc. (CFFN) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Nov 26, 2025. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Capitol Federal Financial, Inc. FY2025 10-K Analysis
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
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
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
Capitol Federal Financial, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$16M
▲ +6.5% YoY
Net Income
$68M
▲ +79.0% YoY
Net Margin
417.3%
▲ +16890bp YoY
ROE
6.5%
▲ +281bp YoY
Total Assets
$9.8B
▲ +2.6% YoY
EPS (Diluted)
$0.52
▲ +79.3% YoY
Operating Cash Flow
$55M
▲ +76.5% YoY
Source: XBRL data from Capitol Federal Financial, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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