Capitol Federal Financial, Inc.
CFFN · Savings Institution, Federally Chartered · 126.8M shares · -1%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $23M (gross $23M, SBC $327K)
Reference price $6.05 · est. market cap ~$767M — last insider purchase, 2025-10-31 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C66Capitol Federal Financial — over-capitalized Kansas thrift with low ROE.
Strengths
- Net income +79% (80th pct); strong cash flow (88th)
Risks
- ROE 6.5% (65th) — excess-capital and mortgage-spread drag
- Rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Strong balance sheetStrong balance sheet — $252M cash & investments
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
417.3%
Return on equity
6.5%
Return on assets
0.7%
Revenue growth (QoQ)
14.7%
Net-income growth
79.0%
Free cash flow
$50M
Tangible book value
$1.0B
Cash & investments
$252M
Stock comp / revenue
2.5%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2025-12-31 | Barry Anthony S. | Option exercise | 8.1K | $8.65 |
| 2025-12-31 | Barry Anthony S. | Disposition | 8.1K | $6.81 |
| 2025-12-31 | Haag Natalie G. | Option exercise | 8.7K | $8.65 |
| 2025-12-31 | Haag Natalie G. | Disposition | 8.7K | $6.81 |
| 2025-12-31 | Jackson Rick C | Option exercise | 9.1K | $8.65 |
| 2025-12-31 | Jackson Rick C | Disposition | 9.1K | $6.81 |
| 2025-12-31 | Van Houweling Tara | Option exercise | 2.8K | $8.65 |
| 2025-12-31 | Van Houweling Tara | Disposition | 2.8K | $6.81 |
| 2025-12-31 | TOWNSEND KENT G | Option exercise | 12K | $8.65 |
| 2025-12-31 | TOWNSEND KENT G | Disposition | 12K | $6.81 |
| 2025-12-31 | DICUS JOHN B | Option exercise | 17K | $8.65 |
| 2025-12-31 | DICUS JOHN B | Disposition | 17K | $6.81 |
| 2025-10-31 | Jackson Rick C | Buy | 8.0K | $6.05 |
| 2025-10-31 | Jackson Rick C | Buy | 2.0K | $6.05 |
| 2025-07-28 | DICUS JOHN B | Inherited | 414K | — |
| 2025-07-28 | DICUS JOHN B | Inherited | 233K | — |
| 2025-07-28 | DICUS JOHN B | Inherited | 817K | — |
| 2025-07-28 | DICUS JOHN B | Inherited | 11K | — |
| 2025-07-28 | DICUS JOHN B | Inherited | 467K | — |
| 2025-05-07 | Jackson Rick C | Buy | 15K | $5.69 |
| 2025-04-25 | Johnson Jeffrey M | Buy | 300 | $5.55 |
| 2025-04-25 | Johnson Jeffrey M | Buy | 16K | $5.56 |
| 2025-04-25 | Johnson Jeffrey M | Buy | 300 | $5.55 |
| 2025-04-25 | Johnson Jeffrey M | Buy | 100 | $5.54 |
| 2025-04-25 | Johnson Jeffrey M | Buy | 1.7K | $5.54 |
| 2025-04-25 | Johnson Jeffrey M | Buy | 328 | $5.54 |
| 2025-04-25 | Johnson Jeffrey M | Buy | 1.4K | $5.55 |
| 2025-03-28 | Johnson Jeffrey M | Buy | 10K | $5.63 |
| 2025-03-27 | THOMPSON JEFFREY R | Buy | 7.0K | $5.73 |
| 2025-03-26 | Morris James G. | Buy | 15K | $5.66 |
| 2025-02-24 | Jackson Rick C | Buy | 4.0K | $5.88 |
| 2025-02-24 | Jackson Rick C | Buy | 3.8K | $5.87 |
| 2025-02-24 | Jackson Rick C | Buy | 2.2K | $5.87 |
| 2025-01-31 | Johnson Jeffrey M | Buy | 5.0K | $5.97 |
| 2024-12-31 | Barry Anthony S. | Option exercise | 4.8K | $11.33 |
| 2024-12-31 | Barry Anthony S. | Disposition | 4.8K | $5.91 |
| 2024-12-31 | Haag Natalie G. | Option exercise | 5.2K | $11.33 |
| 2024-12-31 | Haag Natalie G. | Disposition | 5.2K | $5.91 |
| 2024-12-31 | Jackson Rick C | Option exercise | 5.4K | $11.33 |
| 2024-12-31 | Jackson Rick C | Disposition | 5.4K | $5.91 |
| 2024-12-31 | Van Houweling Tara | Option exercise | 1.7K | $11.33 |
| 2024-12-31 | Van Houweling Tara | Disposition | 1.7K | $5.91 |
| 2024-12-31 | TOWNSEND KENT G | Option exercise | 7.5K | $11.33 |
| 2024-12-31 | TOWNSEND KENT G | Disposition | 7.5K | $5.91 |
| 2024-12-31 | DICUS JOHN B | Option exercise | 13K | $11.33 |
| 2024-12-31 | DICUS JOHN B | Disposition | 13K | $5.91 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-04-29 | ResultsReg FDExhibits | filing ↗ |
| 2026-02-02 | Exec/director change | filing ↗ |
| 2026-01-29 | Shareholder voteReg FDExhibits | filing ↗ |
| 2026-01-28 | ResultsReg FDExhibits | filing ↗ |
| 2026-01-23 | Reg FDExhibits | filing ↗ |
| 2025-12-17 | Reg FDExhibits | filing ↗ |
| 2025-11-25 | Exhibits | filing ↗ |
| 2025-10-29 | ResultsReg FDExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 10-Q | 2026-05-08 | 2026-03-31 | 0001490906-26-000018 ↗ |
| 8-K | 2026-04-29 | 2026-04-28 | 0001490906-26-000015 ↗ |
| 10-Q | 2026-02-06 | 2025-12-31 | 0001490906-26-000011 ↗ |
| 8-K/A | 2026-02-02 | 2026-01-27 | 0001490906-26-000008 ↗ |
| 8-K | 2026-01-29 | 2026-01-27 | 0001490906-26-000006 ↗ |
| 8-K | 2026-01-28 | 2026-01-27 | 0001490906-26-000004 ↗ |
| 8-K | 2026-01-23 | 2026-01-23 | 0001490906-26-000002 ↗ |
| 8-K | 2025-12-17 | 2025-12-17 | 0001490906-25-000038 ↗ |
| 10-K | 2025-11-26 | 2025-09-30 | 0001490906-25-000033 ↗ |
| 8-K/A | 2025-11-25 | 2025-09-23 | 0001490906-25-000031 ↗ |
| 8-K | 2025-10-29 | 2025-10-28 | 0001490906-25-000027 ↗ |
| 8-K | 2025-10-17 | 2025-10-17 | 0001490906-25-000025 ↗ |