NASDAQ$CFFN

Capitol Federal Financial Inc · Q4 2021 earnings

Q4 2021 earnings · · Investor relations

Briefing

Capitol Federal Financial's Q4 2021 earnings reflected a net income of $18.6 million and earnings per share of $0.14.

Capitol Federal Financial, Inc. reported a net income of $18.6 million, or $0.14 per share, for the quarter ended September 30, 2021. The net interest margin increased to 1.97%.

  • Net income was $18.6 million.
  • Basic and diluted earnings per share were $0.14.
  • Net interest margin was 1.97%.
  • Dividends of $11.5 million, or $0.085 per share, were paid.

Headline financials

Total Revenue

$45.5M

Previous: $50.7M-10.1%
EPS (adj)

$0.14

Previous: $0.13+7.7%
Net interest margin

2.0%

Previous: 2.0%-3.0%
Efficiency ratio

55.5%

No prior period
Capital Expenditures

$1.3M

Previous: $5.32M-75.5%
Free Cash Flow

$21.8M

Previous: $18.5M+18.0%
Net Income

$18.6M

Previous: $18.3M+1.5%
Gross Profit

$51.2M

Previous: $50.7M+1.1%
Cash & Equivalents

$42.3M

Previous: $185M-77.2%
Total Assets

$9.63B

Previous: $9.49B+1.5%
Stock-Based Comp

$117K

Previous: $120K-2.5%

Revenue & EPS history

Capitol Federal · Revenue · Quarterly

$45.5M

Q4 2021-10.1%vs Q4 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

Forward guidance

For fiscal year 2022, it is the intention of the Board of Directors to continue the payout of 100% of the Company's earnings to the Company's stockholders. Management anticipates the effective income tax rate for fiscal year 2022 will be approximately 21% to 22%. Dividend payments depend upon a number of factors including the Company's financial condition and results of operations, regulatory capital requirements, regulatory limitations on the Bank's ability to make capital distributions to the Company, and the amount of cash at the holding company level.

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 Q4 2021

Historical avgQ4 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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