Capitol Federal Q3 FY2025 net income $18.4M ($0.14 EPS); NIM expands to 1.98%

Capitol Federal Financial, Inc.

2025-Q3 EPS reported $0.38

Net income $18.4M, $0.14 EPS vs $15.4M ($0.12) prior quarter; nine-month net $49.2M ($0.38) vs $26.0M ($0.20) prior year.
Net interest margin 1.98%, up 6 bps QoQ, driven by commercial loan growth and remix from residential loans.
Commercial loan growth $243.5M during quarter; one- to four-family loans decreased $99.3M.
Declared quarterly dividend $0.085/share payable Aug 15, 2025 to holders of record Aug 1, 2025.
Effective tax rate dropped to 15.0% due to Kansas tax law change; fiscal 2025 rate expected 18-19%.

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