CAPITOL FEDERAL FINANCIAL, INC.® REPORTS FOURTH QUARTER AND FISCAL YEAR 2026 RESULTS
Capitol Federal Financial reported fiscal 2026 net income of $86.4 million, up 27% from $68.0 million, with FY EPS of $0.69 versus $0.52 a year earlier. Q4 net income was $22.4 million ($0.18 EPS), slightly below the prior quarter's $23.6 million ($0.19), but the net interest margin expanded to 2.39% and the company marked its ninth consecutive quarter of NII growth, driven by 22.2% commercial loan growth to $2.58 billion. Capital return remained heavy: $60.6 million of buybacks and $48.0 million of dividends in FY2026, a new $0.085 quarterly dividend declared, and FRB non-objection received for an additional $75.0 million of repurchase authority.
Key figures
- Eps
- 0.18
- Guidance
- FY2027: commercial loans +~17%, total loans +~2.5%, deposits +6.2%, effective tax rate 20.0-21.0%, non-interest expense +7%
- Fy buyback
- 8,054,222 shares for $60.6 million
- Fy dividends
- $48.0 million, or $0.380 per share
- Total assets
- $9.67 billion
- Fy net income
- 86400000
- Q4 net income
- 22400000
- Fy net income yoy
- 27%
- Efficiency ratio q4
- 53.79%
- Q4 eps prior quarter
- 0.19
- Net interest income q4
- 54800000
- Net interest margin fy
- 2.28%
- Net interest margin q4
- 2.39%
- Commercial loan growth fy
- $468.8 million, or 22.2%
- Tangible book value per share
- 8.02
AI analysis
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