NASDAQ$CFFN

Capitol Federal Financial Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Capitol Federal Financial, Inc. reported Q3 2024 results with a net income of $9.6 million and EPS of $0.07.

Capitol Federal Financial, Inc. reported a net income of $9.6 million, or $0.07 per share, for the quarter ended June 30, 2024. The lower net income compared to the previous quarter was primarily due to higher income tax expense related to the Bank's pre-1988 bad debt recapture and a higher provision for credit losses from commercial loan growth. The company's Board of Directors is committed to paying the $0.085 per share cash dividend each quarter for the foreseeable future.

  • Net income for the quarter was $9.6 million.
  • Basic and diluted earnings per share were $0.07.
  • Net interest margin was 1.77%.
  • Dividends of $0.085 per share were paid.

Headline financials

Total Revenue

$45M

Previous: $40.6M+11.0%
EPS

$0.07

Previous: $0.06+16.7%
Net interest margin

1.8%

Previous: 1.3%+34.1%
Efficiency ratio

62.1%

Previous: 72.3%-14.2%
Capital Expenditures

-$5.41M

Previous: -$4.4M-23.0%
Free Cash Flow

$4.24M

Previous: $3.91M+8.6%
Net Income

$9.65M

Previous: $8.3M+16.2%
Operating Income

-$27.8M

Previous: -$36M+22.8%
Gross Profit

$43.6M

Previous: $39.2M+11.0%
Stock-Based Comp

$97K

Previous: $75K+29.3%

Revenue & EPS history

Capitol Federal · Revenue · Quarterly

$45M

Q3 2024+11%vs Q3 2023
Beat estimate in 6 of 13 quarters(46%)
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 2024

Historical avgQ3 2024

-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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