Capitol Federal Financial Inc
ir.capfed.comWhat Do They Do?
Offers deposit accounts, banking services and loans to retail customers, small businesses and commercial clients.
10-K for FY2025, filed Nov 26, 2025We offer a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money…View ↗
Lending. We offer both commercial and one- to four-family loan products to our customers. We continue to strategically grow our commercial…View ↗
Deposit Services. We offer a wide array of deposit products and services to our commercial and retail customers. Our deposit product…View ↗
We offer a competitive suite of treasury management services to meet the needs of our commercial customers. Our treasury management…View ↗
How Do They Make Money?
The Bank collects monthly account-maintenance fees and transaction fees when services are provided; it also earns insurance commissions when policies take effect. Its banking operations earn interest on loans, securities and cash, while paying interest on deposits and borrowings.
10-K for FY2025, filed Nov 26, 2025The Company's results of operations are primarily dependent on net interest income, which is the difference between the interest earned on…View ↗
Service Charges on Deposit Accounts - Service charges on deposit accounts consist of account maintenance fees and transaction-based fees…View ↗
Commissions are received on insurance product sales. The Company acts in the capacity of an agent between the Company's customer and the…View ↗
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10-K for FY2025, filed Nov 26, 2025
FY2025 revenue by product or service ↗
$16.3M
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10-K for FY2025, filed Nov 26, 2025
$16.3M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Deposit service fees
|
68%
FY2022: 76%
|
Deposit service fees, FY2025
$11M Sources
|
|
|
Insurance commissions
Sold outright
10-K for FY2025, filed Nov 26, 2025 |
22%
FY2022: 16%
|
Insurance commissions, FY2025
$3.6M Sources
|
Sold outright |
Who Are Their Customers?
The Bank serves retail and business depositors and borrowers through traditional and in-store branches, a call center, mobile and online banking. Commercial customers also use treasury management services.
10-K for FY2025, filed Nov 26, 2025We offer a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money…View ↗
Deposit Services. We offer a wide array of deposit products and services to our commercial and retail customers. Our deposit product…View ↗
We offer a competitive suite of treasury management services to meet the needs of our commercial customers. Our treasury management…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 306 cents into free cash flow.
How Are They Changing?
10-Q for Q3 FY2026, filed Aug 7, 2026
Open tableView ↗
Flat. Revenue was $16.3M in FY2025, about the same as the $16.5M of FY2021.
Broader commercial services
The older report described a community-oriented bank offering personal and commercial products; the latest emphasizes a transition toward commercial customers and expanded treasury, private banking, trust and wealth services.
10-K for FY2022, filed Nov 23, 2022 10-K for FY2025, filed Nov 26, 2025The Company is a Maryland corporation with its common stock traded on the Global Select tier of the NASDAQ Stock Market. The Bank is a…View ↗
We offer a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money…View ↗
We offer a competitive suite of treasury management services to meet the needs of our commercial customers. Our treasury management…View ↗
We are preparing to implement a comprehensive suite of private banking products and services in fiscal year 2026 to better serve our…View ↗
Correspondent loan purchases
The earlier report said the Bank bought one- to four-family loans from correspondent lenders; the latest says it suspended those purchases.
10-K for FY2022, filed Nov 23, 2022 10-K for FY2025, filed Nov 26, 2025Lending. We are one of the leading originators of one- to four-family loans in the state of Kansas. We originate these loans primarily for…View ↗
We are one of the leading originators of conventional one- to four-family loans in the state of Kansas. We originate these loans primarily…View ↗
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