Capitol Federal Financial (CFFN)
A Kansas thrift gathering retail deposits and lending them as long-duration residential mortgages since 1893.
Something off on this page? Send us feedback.
A single-segment Kansas thrift operating 51 branches across Kansas and the Kansas City metro, with a loan book concentrated in long-duration one-to-four-family residential mortgages and a stated policy of paying out essentially all earnings as dividends each fiscal year.
Founded in Topeka in 1893, Capitol Federal Savings Bank is a federally chartered savings bank that funds itself from Kansas retail deposits and lends out almost entirely as long-duration one-to-four-family residential mortgages.
The 51-branch network spans nine Kansas counties and the Missouri side of the Kansas City metro — Topeka, Wichita, Lawrence, and greater Kansas City. There is no lending or deposit presence outside that region.
Management commits to paying out essentially all earnings each fiscal year through regular quarterly dividends and the branded True Blue Capitol capital-return dividends, funded by the Bank distributing capital to the holding company.
The business carries a duration mismatch — long-dated mortgage assets funded by shorter-duration deposits and Federal Home Loan Bank borrowings — which drove a large securities loss in fiscal 2023 when rates rose sharply.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 3, 2026 | Piper Sandler | Reiterate | Neutral | $7 | $9.50 |
| Jul 9, 2026 | New Street | Target | $10 | ||
| Jul 8, 2026 | Benchmark | Initiate | Buy |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $136.1M · Total debt $1.64B · Total assets $9.66B · Shareholders' equity $1.02B
- Revenue
- $105.1M
- Operating income
- $22.6M
- Net income
- $23.6M
Raised for 14 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 7, 2026 | Aug 7 | Aug 21 | $0.085 | |
| May 1, 2026 | May 1 | May 15 | $0.085 | |
| Feb 6, 2026 | Feb 6 | Feb 20 | $0.085 | |
| Jan 9, 2026 | Jan 9 | Jan 23 | $0.04 | special dividend |
| Nov 7, 2025 | Nov 7 | Nov 21 | $0.085 | |
| Aug 1, 2025 | Aug 1 | Aug 15 | $0.085 | |
| May 2, 2025 | May 2 | May 16 | $0.085 | |
| Feb 7, 2025 | Feb 7 | Feb 21 | $0.085 |
| Institutions248 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | ≈ 82.21% | 104.22M shares | |
| Insiders9 holders · as of Jan 5, 2026 | 2.32% | 2.93M shares | |
| Otherremainder | ≈ 15.47% | 19.62M shares |
126.77M company shares as of Sep 3, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
BlackRock, Inc.Institution | 14.14% | 17.92M | 13Fas of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 5.74% | 7.28M | 13Fas of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 5.22% | 6.62M | 13Fas of Jun 30, 2026 |
T. Rowe Price Investment Management, Inc.Institution | 5.20% | 6.59M | 13Gfiled May 14, 2025 ↗ |
Holdco Asset Management, LPInstitution | 5.10% | 6.47M | 13Fas of Jun 30, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Oct 31, 2025 | Rick C. Jackson | officer: Executive Vice President | +10,000 | $6.05 |
- Commerce Bancshares
Kansas City super-community bank with deep Kansas and KC metro deposit base.
- UMB Financial
Kansas City diversified bank holding the top KC metro deposit share.
- WaFd
Seattle portfolio mortgage lender across 9 western states with ~$27.6B assets.
- TrustCo
Upstate New York savings and loan holding company in residential mortgages.
- Equity Bancshares
Wichita-headquartered commercial community bank with 36+ Kansas branches.
- Northwest Bancshares
Columbus-domiciled holding company for a Pennsylvania-chartered savings bank.
- Provident Financial Services
New Jersey super-community bank post-Lakeland merger with ~$24.5B in assets.
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Capitol Federal Financial | $8.73 | +0.23% | $1.07B | 13.4 | 11.4 | 2.5 | +18.5% |
| Commerce Bancshares | $57.79 | −0.28% | $8.45B | 14.1 | 13.2 | 3.9 | +11.9% |
| UMB Financial | $141.97 | +2.91% | $10.78B | 11.8 | 10.7 | 2.4 | +22.9% |
| WaFd | $35.93 | −0.01% | $2.66B | 11.0 | 10.8 | 1.9 | +10.3% |
| TrustCo | $57.37 | +2.17% | $975.4M | 15.9 | — | 4.0 | +8.7% |
| Equity Bancshares | $49.38 | −0.64% | $1.02B | 28.3 | 9.6 | 2.7 | +42.3% |
| Northwest Bancshares | $15.43 | −0.06% | $2.26B | 14.9 | 11.0 | 2.7 | +21.2% |
| Provident Financial Services | $23.22 | −0.76% | $3.05B | 9.7 | 9.4 | 2.2 | +9.7% |
| Median | 14.1 | 10.8 | 2.7 | +11.9% |