Capitol Federal Posts $86.4M FY2026 Net Income, Guides FY2027 Growth, Adds $75M Buyback
CFFN sits 42% above its 52-week low of $5.969.
Summary
Capitol Federal earned $86.4 million ($0.69/share) in fiscal 2026, up from $68.0 million, with margin at 2.39% in the September quarter. It declared the $0.085 dividend and secured FRB non-objection for $75.0 million of additional buyback authority.
Key Events · Earnings and Guidance · CFFN
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FY2026 Net Income Rises 27%
Net income of $86.4 million, or $0.69 per share, versus $68.0 million ($0.52) in fiscal 2025; Q4 net income was $22.4 million ($0.18), down from $23.6 million ($0.19) in the June quarter.
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Margin Expands to 2.39%
Net interest margin rose eight basis points sequentially to 2.39% and 32 basis points for the full year to 2.28%, driven by commercial loan growth to $2.58 billion, up $468.8 million or 22.2% year over year.
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$75M Buyback Authority Added
The FRB granted non-objection to an additional $75.0 million of repurchase authority to begin after the current plan, which had $10.5 million remaining at September 30, 2026; the company bought 8,054,222 shares for $60.6 million in fiscal 2026.
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Quarterly Dividend Declared
$0.085 per share payable November 20, 2026 to stockholders of record November 6, 2026; management intends to continue the $0.085 quarterly rate through fiscal 2027.
Analysis · CFFN · Finance
Full-year net income climbed 27% to $86.4 million ($0.69/share) as net interest margin widened 32 basis points to 2.28%, and the fourth quarter marked a ninth straight quarter of NII growth with margin at 2.39%. The quarter itself was softer — net income of $22.4 million ($0.18) versus $23.6 million ($0.19) in the prior quarter — on higher non-interest expense and a Kansas tax true-up. For holders, the bigger news is capital return: the board declared the $0.085 quarterly dividend and the FRB granted non-objection to an additional $75.0 million of repurchase authority once the current plan's remaining $10.5 million is used. FY2027 guidance calls for ~17% commercial loan growth, 2.5% total loan growth and 7% higher non-interest expense, with management flagging rising rates as pressure on deposit costs.
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At the time of this filing, CFFN was trading at $8.51 on NASDAQ in the Finance sector, with a market capitalization of approximately $1.1B. The 52-week trading range was $5.97 to $9.26. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.