Short answer
Capitol Federal Financial, Inc. (CFFN) filed its Q4 2025 10-Q quarterly report on Feb 6, 2026 for the quarter ended Dec 31, 2025. Quarterly revenue was $106M (up 8.6% year over year) with net income of $20M.
Q4 2025 key financials · XBRL
- Revenue
- $106M
- +8.6% YoY
- Net income
- $20M
- +31.6% YoY
- EPS (diluted)
- $0.16
- +33.3% YoY
Source: XBRL data from the Capitol Federal Financial, Inc. (CFFN) Q4 2025 10-Q on SEC EDGAR. USD.
Capitol Federal Financial, Inc. Q4 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue not explicitly stated; net income $20.3M for Q1 FY26 vs $15.4M for Q1 FY25, up $4.9M YoY
- Net interest margin 2.19% vs 1.86% YoY, efficiency ratio improved to 53.66% vs 57.86%, operating expense ratio rose to 1.24% vs 1.14%
- Commercial loans grew $162.6M; one- to four-family loans decreased $98.6M; commercial loan portfolio best performer
- Deposits increased $167.2M to $6.76B; borrowings decreased $120.9M to $1.83B; $4.09B liquidity available at quarter-end
- Near-term commercial loan growth projected ~1% in Q2 FY26, 18% annual commercial loan growth expected, APY on high yield savings 3.80% as of Dec 31, 2025, lowered to 3.70% in Jan 2026
Risk Factors
- No newly added risk factors disclosed, consistent with 10-K filing for fiscal year ended September 30, 2025
- Updated critical accounting estimate on allowance for credit losses (ACL), requiring complex subjective judgments reviewed annually by audit committee
- Regulatory risk tied to federal savings bank compliance with ongoing SEC disclosure rules and audit oversight
- Operational risk from Bank's performance dependency, as Bank holds nearly all consolidated assets and liabilities impacting Company results
- Financial risk focused on liquidity and capital resources interlinked with Bank's financial condition and management strategies
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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