Capitol Federal reports Q2 FY2026 net income $20.1M, EPS $0.16; net interest margin expands to 2.24%

Capitol Federal Financial, Inc.

2026-Q2 EPS reported $0.32

Net income $20.1M ($0.16 EPS) vs $20.3M prior quarter; net interest margin 2.24%, up 5 bps.
Commercial loan growth $39.1M in quarter; total commercial loans $2.32B, 29% of portfolio.
Share repurchases of $22.4M in Q2 and additional $7.0M post-quarter; dividends $0.085 regular.
Provision for credit losses $2.4M, including $4.0M specific reserve on one commercial relationship.
Efficiency ratio improved to 52.45% from 53.66% prior quarter; operating expense ratio 1.24%.

item 2.02 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.95

Capitol Federal Financial, Inc. reported the quarter ended March 31, 2026 results: net income net income of $20.1 million, EPS basic and diluted earnings per share of $0.16.

Period: the quarter ended March 31, 2026
Net income: net income of $20.1 million
EPS: basic and diluted earnings per share of $0.16
Result: preliminary results

Exact text from the filing

pfed.com/events-and-presentations/default.aspx . The Company ended the current quarter with total assets of $9.83 billion, stockholders' equity of $1.03 billion and net income of $20.1 million. The continued growth in assets and strong earnings performance are the direct result of disciplined execution of our strategic banking initiatives by the Board and management.

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Source: SEC EDGAR

accession 0001490906-26-000015

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