Capitol Federal Financial, Inc. (CFFN): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Capitol Federal Financial, Inc. (CFFN) se erige como una institución financiera dinámica que transforma la banca tradicional a través de un modelo de negocio estratégico y multifacético. Arraigado en el corazón de Kansas y Missouri, este innovador banco aprovecha un enfoque integral que combina el enfoque de la comunidad local con tecnologías de banca digital de vanguardia. Al crear meticulosamente soluciones financieras personalizadas, CFFN se ha posicionado como un jugador único en el panorama bancario competitivo, ofreciendo tarifas competitivas, plataformas digitales sólidas y un compromiso con las relaciones con los clientes a largo plazo que lo distingue de los proveedores de servicios financieros convencionales.

Capitol Federal Financial, Inc. (CFFN) - Modelo de negocios: asociaciones clave

Agencias inmobiliarias locales y corredores de hipotecas

A partir del cuarto trimestre de 2023, Capitol Federal mantuvo asociaciones con 87 agencias inmobiliarias locales en Kansas y Missouri. La red de asociación generó $ 42.3 millones en originaciones de hipotecas durante el año fiscal.

Tipo de socio	Número de socios	Volumen de origen de la hipoteca
Agencias inmobiliarias	87	$ 42.3 millones
Corredores hipotecarios	53	$ 29.7 millones

Bancos comunitarios e instituciones financieras

Capitol Federal colabora con 24 socios de banca comunitaria para servicios financieros estratégicos y expansión del mercado regional.

• Valor de red de asociación total: $ 156.2 millones
• Duración promedio de la asociación: 7.3 años
• Acuerdos de servicio compartidos: 18 acuerdos activos

Proveedores de seguros

La Compañía mantiene asociaciones estratégicas con 12 proveedores de seguros, centrándose en productos de seguros hipotecarios y de propiedad.

Categoría de seguro	Número de socios	Ingresos colaborativos anuales
Seguro de propiedad	8	$ 7.6 millones
Seguro hipotecario	4	$ 3.9 millones

Proveedores de servicios de tecnología

Capitol Federal ha establecido asociaciones con 9 proveedores de servicios de tecnología para apoyar la infraestructura bancaria digital.

• Inversión tecnológica total: $ 4.3 millones anuales
• Asociaciones de ciberseguridad: 5 proveedores
• Proveedores de plataforma de banca digital: 4 proveedores

Consultores de cumplimiento regulatorio

La institución financiera trabaja con 6 firmas de consultoría de cumplimiento regulatorio especializado para garantizar la adherencia a las regulaciones bancarias federales y estatales.

Enfoque de cumplimiento	Número de consultores	Gastos de consultoría de cumplimiento anual
Regulaciones bancarias federales	4	$ 1.2 millones
Cumplimiento de nivel estatal	2	$580,000

Capitol Federal Financial, Inc. (CFFN) - Modelo de negocio: actividades clave

Préstamo hipotecario residencial

A partir del cuarto trimestre de 2023, la cartera de préstamos hipotecarios residenciales de Capitol Federal consistió en:

Tipo de hipoteca	Volumen total	Tamaño promedio del préstamo
Hipotecas convencionales de tasa fija	$ 1.2 mil millones	$342,000
Préstamos de la FHA	$ 287 millones	$265,000

Servicios de cuentas de ahorro y depósito

Métricas de depósito para 2023:

• Depósitos totales: $ 5.4 mil millones
• Saldo promedio de la cuenta de ahorro: $ 47,500
• Número de cuentas de depósito: 218,000

Gestión de la plataforma de banca en línea y móvil

Estadísticas de banca digital:

Métrica de plataforma	2023 datos
Usuarios de banca móvil	132,000
Volumen de transacciones en línea	3.7 millones mensuales

Gestión de riesgos y evaluación de crédito

Parámetros de riesgo de crédito:

• Ratio de préstamo sin rendimiento: 0.62%
• Reserva de pérdida de préstamos: $ 42.3 millones
• Puntaje de crédito promedio para nuevos préstamos: 735

Servicio al cliente y asesoramiento financiero

Métricas de servicio al cliente:

Métrico de servicio	2023 rendimiento
Representantes de servicio al cliente total	187
Puntuación promedio de satisfacción del cliente	4.6/5.0
Consultas de asesoramiento financiero	24,500 anualmente

Capitol Federal Financial, Inc. (CFFN) - Modelo de negocio: recursos clave

Reservas de capital fuertes

Al 31 de diciembre de 2023, Capitol Federal Financial mantuvo:

Métrico de capital	Cantidad
Equidad total	$ 1.72 mil millones
Relación de capital de nivel 1	16.47%
Relación de capital total	16.69%

Red de sucursal extensa

Distribución de ramas:

• Total de ramas: 62 ubicaciones
• Regiones primarias: Kansas y Missouri
• Concentrado en el área metropolitana de Kansas City

Infraestructura bancaria digital

Servicio digital	Capacidad
Usuarios bancarios en línea	Aproximadamente 125,000
Descargas de aplicaciones de banca móvil	Más de 85,000
Volumen de transacción digital	2.3 millones de transacciones mensuales

Equipo de gestión financiera

Métricas clave de liderazgo:

• Promedio de tenencia ejecutiva: 14.5 años
• Experiencia ejecutiva total: 127 años combinados en servicios financieros
• Posiciones de liderazgo: 7 ejecutivos altos

Base de datos de clientes

Segmento de clientes	Número
Cuentas totales de clientes	298,000
Clientes de banca minorista	215,000
Clientes de banca comercial	6,500

Capitol Federal Financial, Inc. (CFFN) - Modelo de negocio: propuestas de valor

Tasas de ahorro y hipoteca competitiva

A partir del cuarto trimestre de 2023, Capitol Federal Financial ofreció:

Tipo de producto	Rango de tasas de interés	Posicionamiento competitivo
Hipoteca fija a 30 años	6.25% - 6.75%	Por debajo del promedio regional
CD de 5 años	4.50% - 5.00%	Tasa de mercado competitiva
Cuenta de ahorro de alto rendimiento	3.75% - 4.25%	Por encima del promedio nacional

Soluciones financieras personalizadas para clientes

Métricas de servicio al cliente para 2023:

• Tiempo promedio de interacción con el cliente: 22 minutos
• Consultas financieras personalizadas: 14,567 anuales
• Herramientas de planificación financiera digital: 37 servicios únicos

Enfoque bancario local centrado en la comunidad

Datos de inversión comunitaria para 2023:

Categoría de inversión	Cantidad total	Número de proyectos
Préstamos comerciales locales	$ 127.3 millones	342 pequeñas empresas
Desarrollo comunitario	$ 8.6 millones	47 iniciativas locales

Experiencia de banca digital segura y fácil de usar

Métricas de rendimiento de la banca digital:

• Usuarios de banca móvil: 186,000
• Volumen de transacción digital: 3.2 millones mensuales
• Inversión de ciberseguridad: $ 4.7 millones anuales

Estabilidad financiera y confiabilidad a largo plazo

Indicadores de estabilidad financiera para 2023:

Métrica financiera	Valor	Comparación de la industria
Activos totales	$ 13.6 mil millones	Top 10% de bancos regionales
Relación de capital de nivel 1	14.2%	Requisitos reglamentarios por encima
Retorno sobre la equidad	8.7%	Rendimiento consistente

Capitol Federal Financial, Inc. (CFFN) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones bancarias personales

A partir de 2024, Capitol Federal mantiene 48 gerentes de relaciones bancarias personales a tiempo completo en sus 82 sucursales en Kansas y Missouri.

Segmento de clientes	Gerentes dedicados	Tamaño promedio de la cartera
Banca personal	32	275 clientes por gerente
Banca de negocios	16	87 clientes comerciales por gerente

Soporte de banca en línea y móvil 24/7

Capitol Federal brinda servicios de banca digital las siguientes métricas:

• Descargas de aplicaciones de banca móvil: 127,436
• Usuarios bancarios en línea: 214,582
• Volumen de transacciones digitales: 3.2 millones de transacciones mensuales

Programas de participación comunitaria y educación financiera

Tipo de programa	Participantes anuales	Inversión
Talleres de educación financiera	1,872	$287,000
Eventos de divulgación comunitaria	42 eventos	$156,500

Canales de servicio al cliente receptivos

Métricas de rendimiento del servicio al cliente para 2024:

• Tiempo de respuesta del centro de llamadas: promedio de 47 segundos
• Representantes de servicio al cliente: 92
• Interacciones anuales de servicio al cliente: 618,742

Estrategias de retención de clientes y lealtad a largo plazo

Métrico de retención	2024 rendimiento
Tasa de retención de clientes	87.3%
Duración promedio de la relación con el cliente	12.6 años
Participantes del programa de fidelización	62,418 clientes

Capitol Federal Financial, Inc. (CFFN) - Modelo de negocio: canales

Ubicaciones de ramas físicas

A partir de 2024, Capitol Federal mantiene 62 ubicaciones de sucursales totales, principalmente concentradas en Kansas y Missouri.

Estado	Número de ramas
Kansas	48
Misuri	14

Sitio web de banca en línea

La plataforma bancaria en línea de Capitol Federal atiende a aproximadamente 127,500 usuarios activos de banca digital.

• Sitio web: www.capfed.com
• Volumen de transacciones digitales: 3.2 millones de transacciones en línea por trimestre
• Visitantes mensuales promedio del sitio web: 85,600

Aplicación de banca móvil

Estadísticas de aplicaciones de banca móvil para Capitol Federal en 2024:

Métrico	Valor
Descargas totales de aplicaciones móviles	92,400
Usuarios activos mensuales	68,300
Volumen de transacción bancaria móvil	2.1 millones de transacciones trimestrales

Servicios de banca telefónica

Capitol Federal proporciona banca telefónica a través de un centro de servicio al cliente dedicado.

• Número de teléfono del servicio al cliente: 1-888-339-2337
• Volumen promedio de llamadas: 22,500 llamadas por mes
• Tiempo de resolución de llamadas promedio: 6.3 minutos

Red de cajeros automáticos

Configuración de red ATM de Capitol Federal en 2024:

Tipo de cajero automático	Número total
Cajeros automáticos	72
ATMS de socios de red	3,200
Puntos de acceso total de cajero automático	3,272

Capitol Federal Financial, Inc. (CFFN) - Modelo de negocios: segmentos de clientes

Propietarios residenciales

A partir del cuarto trimestre de 2023, Capitol Federal atiende a aproximadamente 87,342 propietarios residenciales en Kansas y Missouri. El saldo promedio del préstamo hipotecario es de $ 312,750.

Segmento de clientes	Total de clientes	Tamaño promedio del préstamo
Propietarios residenciales	87,342	$312,750

Compradores de vivienda por primera vez

Capitolio Federal se dirige a compradores de viviendas por primera vez con programas de préstamos específicos. En 2023, el banco originó 1.245 préstamos para el comprador por primera vez.

• Edad de comprador de vivienda mediana por primera vez: 34 años
• Monto promedio de préstamo hipotecario por primera vez: $ 265,400
• Tasa de aprobación de préstamos para compradores por primera vez: 72%

Propietarios de pequeñas empresas locales

El banco brinda servicios de préstamos comerciales a 2,387 clientes de pequeñas empresas en sus áreas de mercado primarias.

Métricas de préstamos comerciales	Valor
Total de clientes de pequeñas empresas	2,387
Tamaño promedio del préstamo comercial	$487,600

Familias de ingresos medios

Capitol Federal atiende a 65,210 clientes familiares de ingresos medios con ingresos domésticos entre $ 50,000 y $ 125,000.

• Ingreso familiar promedio de la base de clientes: $ 87,300
• Porcentaje de la base de clientes: 47% del total de clientes
• Saldo promedio de la cuenta de ahorro: $ 24,750

Individuos centrados en la jubilación y los ahorros

El banco tiene 41,623 clientes centrados en la jubilación con un saldo promedio de la cuenta de jubilación de $ 213,450.

Segmento de clientes de jubilación	Total de clientes	Saldo promedio de la cuenta de jubilación
Clientes centrados en la jubilación	41,623	$213,450

Capitol Federal Financial, Inc. (CFFN) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del año fiscal 2023, Capitol Federal Financial mantuvo 47 ubicaciones de sucursales totales. Los gastos operativos anuales de la sucursal fueron de $ 42.3 millones, que incluían:

Categoría de gastos	Monto ($)
Alquiler y ocupación	18,750,000
Utilidades	3,620,000
Mantenimiento	5,480,000
Costos operativos del personal de la sucursal	14,450,000

Tecnología y mantenimiento de infraestructura digital

Los costos de infraestructura tecnológica para 2023 totalizaron $ 12.7 millones, que incluyen:

• Mantenimiento del sistema bancario central: $ 4.2 millones
• Inversiones de ciberseguridad: $ 3.5 millones
• Actualizaciones de la plataforma de banca digital: $ 2.8 millones
• TI Hardware y infraestructura de software: $ 2.2 millones

Salarios y beneficios de los empleados

Los gastos totales de personal para 2023 fueron de $ 89.6 millones:

Componente de compensación	Monto ($)
Salarios base	62,720,000
Bonos de rendimiento	8,960,000
Seguro médico	7,040,000
Beneficios de jubilación	6,720,000
Otros beneficios	4,160,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 alcanzaron $ 7.3 millones, desglosados ​​de la siguiente manera:

• Sistemas de informes regulatorios: $ 2.6 millones
• Salarios del personal de cumplimiento: $ 3.1 millones
• Tarifas de auditoría y consultoría externa: $ 1.6 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 totalizaron $ 5.9 millones:

Canal de marketing	Monto ($)
Marketing digital	2,360,000
Publicidad de medios tradicional	1,770,000
Patrocinios de eventos comunitarios	890,000
Campañas de adquisición de clientes	880,000

Capitol Federal Financial, Inc. (CFFN) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos hipotecarios

Para el año fiscal 2023, Capitol Federal Financial informó $ 124.7 millones En ingresos de intereses totales de las actividades de préstamos hipotecarios.

Categoría de préstamo hipotecario	Ingresos de intereses ($ M)
Préstamos hipotecarios residenciales	98.3
Préstamos hipotecarios comerciales	26.4

Tarifas de servicio de cuentas de depósito

Tarifas de servicio de cuentas de depósito generadas $ 18.2 millones en ingresos para la compañía en 2023.

• Referencia de tarifas de mantenimiento de la cuenta: $ 7.6 millones
• Tarifas de sobregiro: $ 5.4 millones
• Tarifas de transacción de cajeros automáticos: $ 3.2 millones
• Otros cargos por servicio de depósito: $ 2.0 millones

Comisiones de productos de inversión

Las comisiones de productos de inversión totalizaron $ 9.5 millones en 2023.

Producto de inversión	Ingresos de la Comisión ($ M)
Fondos mutuos	4.7
Servicios de cuentas de jubilación	3.2
Servicios de corretaje	1.6

Tarifas de transacción bancaria en línea

Las tarifas de transacción bancaria en línea ascendieron a $ 6.3 millones en 2023.

• Tarifas de transacción de banca móvil: $ 3.7 millones
• Tasas de transferencia de fondos electrónicos: $ 2.6 millones

Cargos de originación de préstamos

Cargos de origen de préstamo aportados $ 22.1 millones a los ingresos de la compañía en 2023.

Tipo de préstamo	Cargos de originación ($ M)
Originaciones de hipotecas residenciales	15.6
Originaciones de préstamos comerciales	6.5

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Value Propositions

Safety in Savings: a 132-year history of stability

Safety in Savings: a 132-year history of stability

Capitol Federal Financial, Inc. has a history spanning 132 years, which translates into a reputation for stability for depositors.

Full-service commercial bank with community feel

The strategic shift emphasizes commercial banking, with the commercial loan portfolio reaching 26% of total loans as of Fiscal Year 2025, up from 19% a year prior. Total assets for Capitol Federal Financial, Inc. closed Fiscal Year 2025 at $9.78 billion. Net income for Fiscal Year 2025 was $68.0 million. Commercial loan originations for Fiscal Year 2025 totaled $901.9M.

The commercial deposit base grew by $190.2 million, representing a 59.8% increase from September 30, 2024. The institution serves metropolitan areas within Kansas.

Metric	Value as of Late 2025	Comparison Point
Total Assets	$9.78 billion	FY2025 End
Commercial Loans as % of Total Loans	26%	Up from 19% one year ago
FY2025 Commercial Loan Growth	$607.0 million (or 40.2%)	FY2025
FY2025 Net Income	$68.0 million	FY2025

Personalized customer service and relationship managers

Management focuses on pairing growing and established companies and small businesses with experienced relationship managers. These managers offer customized services and access to digital platforms.

Competitive interest rates on loans and deposits

The Net Interest Margin (NIM) for the fourth quarter of Fiscal Year 2025 was 2.09%. The NIM for the full Fiscal Year 2025 was 1.96%, an increase of 19 basis points from the prior year. The High-Yield Savings Annual Percentage Yield (APY) was reported at 4.00% as of September 30, 2025.

The institution is emphasizing high-yield savings products to manage the cost of funds.

Rate/Yield Metric	Amount
High-Yield Savings APY (9/30/25)	4.00%
Net Interest Margin (Q4 FY2025)	2.09%
Net Interest Margin (FY2025)	1.96%
NIM Increase (Y/Y FY2025)	19 basis points

Treasury management and fraud protection for businesses

Capitol Federal Savings Bank is offering a full suite of treasury management products to service new and existing relationships. The bank is planning new Treasury Management (TM) products and Small/Medium Business (SMB) digital onboarding.

• Commercial deposit growth: $190.2 million from September 30, 2024.
• Commercial loan growth in FY2025: $607.0 million.
• Commercial loan growth percentage in FY2025: 40.2%.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Customer Relationships

Capitol Federal Financial, Inc. is actively working to transition from a retail-oriented financial institution to one with an increasing focus on commercial customers. This strategic shift is supported by reorganizing lending operations to allow lending professionals to grow existing and develop new commercial relationships.

The commitment to commercial clients is evident in the balance sheet changes following the Capital City Bank acquisition, where the commercial loan portfolio grew from $319.1 million to $2.12 billion.

Metric	Prior Period (Pre-Acquisition/Start)	Latest Data (As of Q4 FY2025)
Commercial Loan Portfolio	$319.1 million	$2.12 billion
Non-Retail Deposits	$194.8 million	$508.2 million
Total Assets	(Implied lower than $9.78B)	$9.78 billion

For retail clients, Capitol Federal Financial maintains a network of 46 branches across Kansas and Missouri, supporting long-term, trust-based relationships. The bank continues to focus on retaining and growing deposits through its high-yield savings account product. As of March 31, 2025, this eSavings account offered an Annual Percentage Yield (APY) of 4.30% for accounts meeting the $10 thousand balance minimum.

Self-service capabilities are supported by the new core operating system and digital banking systems completed in August 2023, which enhance customer experiences. Customers use these platforms for services including mobile, telephone, and online banking, as well as bill payment services.

Community-focused engagement is channeled through the Capitol Federal Foundation. The Foundation funded grants totaling $3.0 million during fiscal year 2024. At September 30, 2024, the Foundation held total assets of approximately $87.5 million.

Advisory services are expanding, particularly with the introduction of treasury management services designed to grow deposits outside historical retail channels and generate non-interest income. The bank has made selective additions to staff to facilitate this growth in business lines.

• Retail banking services include a full range of deposit products.
• Loan products include one- to four-family residential real estate.
• Commercial services include commercial real estate and commercial and industrial loans.
• The company reported total assets of $9.78 billion at the close of fiscal year 2025.
• Fiscal year 2025 net income reached $68.0 million.

The company's efficiency ratio for the quarter ended March 31, 2025, was 60.54%.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Channels

You're looking at how Capitol Federal Financial, Inc. gets its products and services to its customers as of late 2025. It's a mix of traditional brick-and-mortar presence and a push into digital access, all supporting a core lending business.

The physical footprint remains a key channel. Capitol Federal Savings Bank maintains a network of 46 physical bank branches. Two of these are in-store branches. These locations primarily serve metropolitan areas across Kansas, including Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, plus a section of the greater Kansas City area.

For the technology-driven side, Capitol Federal Financial, Inc. offers mobile, telephone, and online banking services, including bill payment. Management has been actively leveraging technology to focus on digital growth. This focus appears to be helping with deposit gathering; for the quarter ending in Q3 of fiscal year 2025, the high-yield savings account offering added $123.9 million in deposits. The total deposit base grew to $6.43 billion by that time.

The commercial side relies heavily on direct interaction through specialized teams. The strategic shift towards commercial lending is evident in the loan portfolio changes. For the fiscal year ended September 30, 2025, the commercial loan portfolio grew from $319.1 million to $2.12 billion since the Capital City Bank acquisition. Furthermore, the bank closed on $901.9 million in commercial loans during fiscal year 2025, a substantial increase from $350.6 million the prior year. These efforts are supported by commercial loan officers and business development teams located across key markets. The company has a total of 659 employees.

The residential mortgage channel also uses direct sales forces, though correspondent lending has been paused. The Bank suspended its one- to four-family correspondent lending channels during fiscal year 2024 for the foreseeable future. The residential mortgage product is still a primary focus, making up nearly three-quarters of the total loan portfolio, which stood at $8.02 billion at the end of Q3 FY2025.

Beyond the main channels, Capitol Federal Financial, Inc. supports its customer base with other access points. These include telephone banking services and ATM access points associated with the branch network.

Here's a quick look at some key metrics related to the channels and the business supporting them as of late 2025:

Channel/Metric Component	Data Point	Reporting Period/Context
Physical Bank Branches	46	As of late 2025
Total Employees	659	As of late 2025
Total Deposits	$6.43 billion	As of Q3 FY2025
Commercial Loan Portfolio (Post-Acquisition)	$2.12 billion	As of FY2025 year-end
FY2025 Commercial Loans Closed	$901.9 million	Fiscal Year Ended September 30, 2025
Residential Loans (% of Total Portfolio)	74.8%	As of Q3 FY2025

The direct sales approach for commercial business is supported by dedicated personnel, as evidenced by the public listing of roles such as:

• Vice President, Sr. Commercial Loan Officer, with 25 years of experience.
• Director of Business Development contact information listed for the Kansas City area.
• Commercial Lending Director contact information listed.

The company continues to offer services through its established infrastructure, which includes:

• Access to telephone banking services.
• Provision of bill payment services.
• A strategic focus on growing the commercial loan portfolio by redeploying funds from repaid correspondent loans.

Finance: draft 13-week cash view by Friday.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Customer Segments

You're looking at the core groups Capitol Federal Financial, Inc. serves, based on their late 2025 operational snapshot. It's all about where the money is coming from and who is getting the loans.

Individuals seeking residential mortgages and savings accounts form a primary base. The loan book clearly shows this focus, with the majority of lending dedicated to this area. As of the end of the third quarter of the 2025 fiscal year, the firm had about $6.02 billion, representing 74.8% of its total loan portfolio, tied up in 1-4 family residential real estate assets. Capitol Federal Savings Bank is recognized as one of the largest residential lenders in the State of Kansas, so you know their footprint there is deep.

The segment of established and growing small to mid-sized commercial entities is definitely a growth area for Capitol Federal Financial, Inc. Management has been actively shifting the loan portfolio mix here. By the close of fiscal year 2025, the commercial loan portfolio had grown by $607.0 million, which is a 40.2% increase for the year. This strategic redeployment of funds is key to their near-term outlook.

For deposits, the focus remains tight on the local market. Capitol Federal Financial, Inc. targets retail depositors in Kansas and Missouri metropolitan areas. The Bank maintains 46 branch locations across Kansas and Missouri to service these customers. Deposits have been growing, reaching $6.43 billion at the end of the third quarter of the 2025 fiscal year, partly driven by offerings like their high-yield savings account, which added $123.9 million in deposits for that quarter alone.

While the core is residential and local commercial, there are services for high-net-worth individuals for wealth management. Capitol Federal Savings Bank offers trust management services for families, showing they cater beyond just standard deposit and loan products. This diversification helps stabilize revenue streams.

Finally, we look at the equity holders, the stockholders receiving cash dividends of $0.34 per share in FY 2025. This is a concrete return metric for that segment of stakeholders. It's important to note that the annualized dividend payment of $0.34 per share resulted in a current dividend yield of about 5.3%, which is quite strong compared to the Financial Services sector average of 2.81%.

Here's a quick look at the scale of the business supporting these segments as of the end of fiscal year 2025:

Financial Metric	Amount/Value	Context/Date
Total Assets	$9.78 billion	Fiscal Year 2025 Close
Total Loans	$8.02 billion	Q3 Fiscal Year 2025
Residential Loans (1-4 Family)	$6.02 billion	Q3 Fiscal Year 2025 (74.8% of total loans)
Commercial Loan Growth (FY 2025)	$607.0 million	FY 2025 Increase
Net Income	$68.0 million	Fiscal Year 2025
Quarterly Dividend Declared	$0.085 per share	October 2025 Announcement

The strategic focus on commercial growth is clear when you see the deposit side responding, too. The commercial deposit base grew by $190.2 million, or nearly 59.8%, from September 30, 2024, to the end of FY 2025. This suggests Capitol Federal Financial, Inc. is successfully pairing commercial lending with commercial deposit gathering. You can see the customer base is segmented by need:

• Individuals needing mortgages and savings products.
• Small to mid-sized businesses seeking commercial loans.
• Retail depositors concentrated in Kansas and Missouri.
• Stockholders expecting consistent cash returns.
• Clients requiring trust management services.

The efficiency ratio for the full fiscal year 2025 was 58.33%, which is a substantial improvement from 66.91% the prior year, showing better operational alignment with these customer groups. If onboarding takes 14+ days, churn risk rises, especially for those high-yield deposit customers.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Cost Structure

You're looking at the major drains on Capitol Federal Financial, Inc. (CFFN)'s bottom line as of late 2025. For a regional bank, the cost structure is dominated by the cost of money and the cost of running the physical and digital infrastructure.

The core of the cost structure revolves around funding its assets. This means paying interest on the money it takes in from customers and from wholesale markets. For the quarter ending December 31, 2024 (the first quarter of fiscal year 2025), the total interest expense stood at $55.4 million, which was a decrease from the $56.0 million reported in the preceding quarter, reflecting lower borrowing costs and deposit interest rates at that time.

Personnel costs are substantial, supporting the operations for the company. Capitol Federal Financial, Inc. has 659 employees on staff. The salaries and benefits component of non-interest expense saw fluctuations, for instance, in Q1 FY2025 due to the accrual of incentive compensation related to the short-term performance plan.

Maintaining the physical footprint is another significant fixed cost. This involves the operational costs for the 46-branch network maintenance across its service areas. The physical presence is key to its traditional banking model, even as digital adoption grows.

Technology and digital transformation investments are ongoing necessities in the banking sector. For the quarter ended March 31, 2025, the increase in information technology and related expense was specifically attributed to higher software licensing expense and professional services. Specific full-year investment amounts aren't explicitly broken out in the latest reports, but this category is a growing component of operating costs.

The overall efficiency of managing these costs is tracked closely. Capitol Federal Financial, Inc. reports an efficiency ratio of 58.33% for FY 2025, as you noted. To be fair, the latest reported quarterly efficiency ratio for the quarter ending September 30, 2025, was actually 56.84%, which is an improvement from the prior quarter's 58.26%. The efficiency ratio measures total non-interest expense as a percentage of net interest income (pre-provision for credit losses) plus non-interest income; a lower number is better.

Here's a look at the components of non-interest expenses based on the most recent quarterly filings available:

Cost Component Category	Period/Basis	Amount (in millions USD)
Total Interest Expense (Funding Cost)	Quarter Ended Dec 31, 2024 (Q1 FY2025)	$55.4
Total Non-Interest Expense	Quarter Ended Dec 31, 2024 (Q1 FY2025)	$27.148
Total Non-Interest Expense	Quarter Ended Mar 31, 2025 (Q2 FY2025)	$29.540
Regulatory and Outside Services (Q1 FY2025 vs Prior Qtr)	Change	(20.4)% decrease
Advertising and Promotional (Q2 FY2025 vs Prior Qtr)	Change	(7.5)% decrease
Deposit and Loan Transaction Costs (Q2 FY2025 vs Prior Qtr)	Change	48.7% increase

You can see how non-interest expenses shift quarter-to-quarter based on timing of services and transaction volumes. For instance, the increase in deposit and loan transaction costs in Q2 FY2025 was due to calendar year-end statement processing.

The key cost drivers that management monitors closely include:

• Interest expense on deposits and borrowings, directly tied to market rates.
• Salaries and benefits for the 659 full-time staff.
• Maintaining the 46-branch physical footprint.
• Investments in information technology and software licensing.
• Other non-interest expenses, which can spike due to items like customer fraud losses or OREO (other real estate owned) property costs.

Finance: draft a 13-week cash flow view by Friday, focusing on projected interest expense based on current deposit betas.

Capitol Federal Financial, Inc. (CFFN) - Canvas Business Model: Revenue Streams

You're looking at how Capitol Federal Financial, Inc. actually brings in the money, which is pretty standard for a regional bank but with some clear strategic shifts happening in late 2025. The core of the business, as always, is making more on the money it lends out than it pays for deposits and borrowings. This is the net interest income you see driving the results.

For the full fiscal year 2025, Capitol Federal Financial, Inc. reported a total revenue of $200.29 million, which was a nice jump up from the $166.05 million seen the year before. This overall growth reflects management's strategic operational changes. The company closed fiscal year 2025 with total assets hitting $9.78 billion.

The primary driver is the net interest income from loans and securities. To give you a snapshot of the quarterly performance leading up to the year-end, the net interest income for the fourth quarter ended September 30, 2025, was $48.78 million. This is the spread between what they earn on assets and what they pay on liabilities.

Interest earned on the loan book is a huge piece of this. While I don't have the exact $8.02 billion loan balance you mentioned for Q3 2025, we can see the portfolio is actively shifting. For instance, the interest income on loans receivable increased in Q3 FY2025 due mainly to a higher average balance in the commercial loan portfolio as it continued to shift away from one- to four-family loans. The bank also had $146.2 million of commercial real estate loan commitments expected to fund in the quarter following June 30, 2025.

Beyond the core lending spread, non-interest income provides a smaller, but still important, revenue stream. For the first quarter of fiscal year 2025, non-interest income from account fees and service charges was reported at $4.7 million.

The investment portfolio also contributes. The interest and dividend income from investment securities is a component that has seen changes due to recent strategic moves. For the first quarter of fiscal year 2025, the total interest and dividend income reached $97.6 million.

Here's a quick look at some of the key revenue and related metrics for the fiscal year 2025 and recent quarters:

Revenue Component/Metric	Amount/Value	Period
Total Revenue	$200.29 million	Fiscal Year 2025
Net Income	$68.0 million	Fiscal Year 2025
Net Interest Income	$48.78 million	Q4 2025
Total Interest and Dividend Income	$97.6 million	Q1 2025
Non-Interest Income	$4.7 million	Q1 2025
Total Assets	$9.78 billion	Fiscal Year End 2025

You can also see the focus on returning capital to shareholders, which is a result of these earnings:

• Total dividends declared and paid during fiscal year 2025 were $44.3 million.
• The company paid cash dividends of $0.34 per share for the full fiscal year 2025.
• The net interest margin for the full fiscal year 2025 was 1.96%.
• The net interest margin for Q4 2025 improved to 2.09%.