10-Q quarterly report · filed Aug 7, 2026

Capitol Federal Financial, Inc. (CFFN) Q2 2026 10-Q Quarterly Report

Short answer

Capitol Federal Financial, Inc. (CFFN) filed its Q2 2026 10-Q quarterly report on Aug 7, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $105M (up 5.5% year over year) with net income of $24M.

Q2 2026 key financials · XBRL

Revenue
$105M
+5.5% YoY · +0.5% QoQ
Net income
$24M
+28.2% YoY · +17.0% QoQ
EPS (diluted)
$0.19
+35.7% YoY · +18.8% QoQ

Source: XBRL data from the Capitol Federal Financial, Inc. (CFFN) Q2 2026 10-Q on SEC EDGAR. USD.

Capitol Federal Financial, Inc. Q2 2026 10-Q analysis

AI summary of MD&A and risk factor updates

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

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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