Capitol Federal Q3 net income rises to $18.4 mln

Capitol Federal Financial

23/07/2025 14:12

Overview

Capitol Federal Q3 net income rises to $18.4 mln from $15.4 mln prior qtr

Net interest margin improves to 1.98%, driven by commercial loan growth

Company announces cash dividend of $0.085 per share

Outlook

Company expects $146.2 mln commercial real estate loans to fund next qtr

Capitol Federal to introduce digital onboarding for small businesses next qtr

Company plans digital banking enhancements for debit cardholders by Q4 FY 2025

Capitol Federal aims to grow non-interest bearing deposits and fee-based revenue

Result Drivers

COMMERCIAL LOAN GROWTH - Net interest margin increased due to higher average balance of commercial loans

CREDIT LOSS PROVISION - Release of provision for credit losses due to improved credit quality in commercial loan portfolio

NON-INTEREST INCOME - Increase in deposit service fees driven by higher debit card usage

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 EPS
$0.14
Q3 Net Income
$18.40 mln
Q3 Basic EPS
$0.14
Q3 Credit Loss Provision
-$451,000
Q3 Dividend
$0.085
Q3 Net Interest Margin
2.0%


Press Release: ID:nBw32g4s7a

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)