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Capitol Federal Financial Reports Strong Q4 and Year-End Results

On October 28, 2026, Capitol Federal Financial, Inc.® (NASDAQ: CFFN) announced its impressive financial results for the fourth quarter and the fiscal year ending September 30, 2026. The results showcase a significant uptick in both net income and total assets, indicating a robust financial health.

Financial Highlights

For the quarter ending September 30, 2026, Capitol Federal reported total assets of $9.67 billion, alongside stockholders' equity reaching $1.01 billion. The net income for the fourth quarter amounted to $22.4 million, while for the entire fiscal year, the figure soared to $86.4 million—an increase from $68.0 million recorded in fiscal year 2025. This marks nine consecutive quarters of growth in net interest income and expansion of the net interest margin, which rose to 2.39%, up from 2.31% in the previous quarter.

The growth in net interest income, which increased by $1.3 million to $54.8 million, is largely attributed to the successful growth of the higher-yielding commercial loan portfolio. Capitol Federal's strategic initiatives have been instrumental in leaning into the continued remixing of their assets, allowing a significant growth in the commercial loan portfolio by $111.8 million this quarter, thus bringing the total outstanding balance to $2.58 billion.

Investment in Growth

Capitol Federal’s strategy has not only focused on financial growth but also on enhancing its operational capabilities. John Dicus, CEO, emphasized that their results reflect the successful execution of strategic initiatives and investments in technology, personnel, and product offerings. With a commitment to enhancing customer experience, Capitol Federal continues to expand its capabilities, serving a diverse range of consumer and commercial clients while enriching their trust and wealth management services.

Furthermore, during the year, Capitol Federal actively engaged in share repurchases, buying back 2,512,196 shares for a total of $21.7 million between July 2026 and October 23, 2026. This not only reflects confidence in the company’s future prospects but also aims to return value to its stockholders, alongside regular dividend payments totaling $48.0 million or $0.38 per share for the fiscal year.

Challenges and Outlook

While the company celebrates its achievements, it recognizes the challenges ahead. As interest rates are anticipated to rise further, management expects pressure on deposit costs but also foresees increases in loan yields. Growth plans include an expected 17% rise in commercial loan balances for fiscal year 2027, along with overall anticipated loan growth of 2.5%. Additionally, deposits are projected to grow by around 6.2%, which will support the expected loan growth and liquidity.

As Capitol Federal Financial, Inc. moves into the next fiscal year, it remains committed to executing its strategic initiatives to foster continued growth, enhance stockholder value, and navigate through the evolving financial landscape. Through disciplined management and proactive strategies, the company aims to maintain its positive trajectory in the banking sector.

For more detailed information, you can visit their official investor relations page here.