NASDAQ$CFFN

Capitol Federal Financial Inc · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Capitol Federal Financial's Q3 2021 performance reflected a net income of $18.2 million and earnings per share of $0.13, despite a decrease in non-interest income primarily due to the prior quarter's gain on the sale of Visa Class B shares.

Capitol Federal Financial, Inc. reported a net income of $18.2 million, or $0.13 per share, for the quarter ended June 30, 2021. This compares to a net income of $20.4 million, or $0.15 per share, for the quarter ended March 31, 2021. The decrease in net income was primarily due to a decrease in non-interest income, mainly from the prior quarter's gain on the sale of Visa Class B shares, partially offset by a decrease in non-interest expense.

  • Net income was $18.2 million.
  • Basic and diluted earnings per share were $0.13.
  • Net interest margin was 1.84%.
  • Dividends of $65.7 million, or $0.485 per share, were paid, including a $0.40 per share True Blue Capitol dividend.

Headline financials

Total Revenue

$47.8M

Previous: $50.7M-5.8%
EPS (adj)

$0.13

Previous: $0.14-7.1%
Net interest margin

1.8%

Previous: 2.1%-11.1%
Efficiency ratio

57.7%

No prior period
Community bank leverage ratio

11.5%

No prior period
Capital Expenditures

-$8.11M

Previous: -$9.42M+13.9%
Free Cash Flow

$10.1M

Previous: $10.1M+0.3%
Net Income

$18.2M

Previous: $19.5M-6.6%
Operating Income

$7.56M

Previous: $5.01M+51.1%
Gross Profit

$45.1M

Previous: $50.7M-11.1%
Cash & Equivalents

$95.3M

Previous: $396M-75.9%
Total Assets

$9.65B

Previous: $9.56B+1.0%
Stock-Based Comp

$127K

Previous: $132K-3.8%

Revenue & EPS history

Capitol Federal · Revenue · Quarterly

$47.8M

Q3 2021-5.8%vs Q3 2020
Beat estimate in 10 of 16 quarters(63%)
ActualEstimate

Revenue by segment

Capitol Federal · $56.5M total across 4 segments · Q3 2021

  • Loans receivable
    $54.8M
  • FHLB stock
    $944K
  • Investment securities
    $763K
  • Cash and cash equivalents
    $26K

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2021

Historical avgQ3 2021

-0.4%

Avg return

Earnings day

-0.9%

Avg return

5 days after

-0.1%

Avg return

30 days after

40%

27 / 67 earnings

Positive

+17.9%

Q4 2023

Best reaction

-13.3%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q2 2026+1.5%-2.5%-1.5%
Q1 2026+2.2%+8.6%+3.5%
Q4 2025-4.1%-1.9%+5.1%
Q3 2025-0.6%-1.0%+4.4%
Q2 2025+0.6%+5.9%+3.7%
Q1 2025+2.6%+4.0%+3.7%
Q4 2024+9.3%+8.5%+12.4%
Q3 2024-7.1%-5.3%-9.2%
Q2 2024-6.1%-8.9%-2.7%
Q1 2024+5.3%+7.9%-3.9%
Q4 2023+17.9%-2.4%+19.2%
Q3 2023+0.5%+0.5%-12.1%
Q2 2023+0.0%-5.8%-3.6%
Q1 2023-3.0%-3.4%-0.1%
Q4 2022-13.3%-3.7%-3.3%
Q3 2022+0.8%+3.5%-0.5%
Q2 2022-1.2%-3.8%+1.1%
Q1 2022+0.2%-1.5%-0.7%
Q4 2021+5.0%+5.5%+1.4%
Q3 2021-2.3%-2.9%+1.8%
Q2 2021-1.0%+1.0%-0.9%
Q1 2021-4.7%-3.9%+2.1%
Q4 2020-3.1%+0.0%+10.2%
Q3 2020-1.7%-3.8%-5.4%
Q2 2020-3.3%-6.2%-5.4%
Q1 2020-2.7%-3.0%-9.9%
Q4 2019-1.2%-0.2%-1.9%
Q3 2019-2.8%-6.0%-4.3%
Q2 2019+0.8%+2.2%-2.0%
Q1 2019-4.8%-6.1%-2.2%
Q4 2018-1.2%+0.4%+8.1%
Q3 2018+0.0%+0.4%+1.2%
Q2 2018-0.9%+0.6%+4.3%
Q1 2018-1.1%-1.1%-5.9%
Q4 2017-8.2%-8.7%-9.8%
Q3 2017+2.9%+3.3%-1.0%
Q2 2017-1.6%-2.6%-6.7%
Q1 2017-4.2%-4.9%-4.9%
Q4 2016+4.0%+2.3%+12.9%
Q3 2016+0.2%-1.3%+0.8%
Q2 2016-0.2%
Q1 2016+3.4%
Q4 2015-0.7%
Q3 2015+0.5%
Q2 2015-2.3%
Q1 2015+1.1%
Q4 2014+1.2%
Q3 2014+0.0%
Q2 2014-1.2%
Q1 2014-0.4%
Q4 2013-3.3%
Q3 2013-0.2%
Q1 2013-1.1%
Q4 2012+1.5%
Q2 2013+1.2%
Q3 2012-1.0%
Q2 2012+0.6%
Q1 2011-0.9%
Q1 2012-0.9%
Q4 2009+3.2%
Q2 2010+3.2%
Q4 2011+3.2%
Q2 2011+3.2%
Q1 2010+3.2%
Q3 2010-4.1%
Q4 2010-4.1%
Q3 2011-4.1%

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