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
- • 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
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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