- Capitol Federal Financial, Inc. reported **net income of $18.8 million** for the fourth quarter of fiscal year 2025, with **basic and diluted earnings per share of $0.14**.  **[1490906_0001490906-25-000027_earningsrelease0925.htm:0]**  For the full fiscal year 2025, **net income was $68.0 million** and **earnings per share were $0.52**, significantly up from $38.0 million and $0.29, respectively, in the prior year.  **[1490906_0001490906-25-000027_earningsrelease0925.htm:0]** **[1490906_0001490906-25-000027_earningsrelease0925.htm:9]** 
- The company's Board of Directors declared a **quarterly cash dividend of $0.085 per share**, payable on November 21, 2025, and intends to pay a total of **$0.34 per share** for fiscal year 2026.  **[1490906_0001490906-25-000027_regulardividendrelease1025.htm:0]** **[1490906_0001490906-25-000027_earningsrelease0925.htm:1]** **[1490906_0001490906-25-000027_earningsrelease0925.htm:16]** 
- **Total assets** reached **$9.78 billion** and **stockholders' equity was $1.05 billion** at the end of fiscal year 2025, both showing growth from the previous fiscal year.  **[1490906_0001490906-25-000027_earningsrelease0925.htm:0]** **[1490906_0001490906-25-000027_earningsrelease0925.htm:1]** 
- The **net interest margin** increased to **2.09%** in Q4 2025 from 1.98% in the prior quarter, and for the full fiscal year 2025, it was **1.96%**, an increase of 19 basis points from 1.77% in the prior year.  **[1490906_0001490906-25-000027_earningsrelease0925.htm:0]** **[1490906_0001490906-25-000027_earningsrelease0925.htm:9]**  Additionally, **commercial loans grew by $607.0 million**, or 40.2%, during fiscal year 2025, now comprising **26%** of the loan portfolio.  **[1490906_0001490906-25-000027_earningsrelease0925.htm:1]** **[1490906_0001490906-25-000027_earningsrelease0925.htm:2]**

Capitol Federal Financial (CFFN)