7Baggers
Quarterly
Annual
    Unit: USD2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-06-30 2019-03-31 2018-12-31 2016-12-31 2013-12-31 2013-06-30 2013-03-31 2012-12-31 
      
    		                               
      cash flows from operating activities:
    		                               
      net income
    		18,382,000 15,399,000 15,431,000 12,057,000 9,648,000 13,762,000 2,543,000 -140,390,000 8,302,000 14,189,000 16,240,000 19,492,000 21,152,000 21,623,000 22,186,000 18,553,000 18,187,000 20,444,000 18,898,000 18,279,000 19,474,000 4,276,000 22,511,000 22,897,000 24,554,000 24,383,000 20,578,000 17,813,000 17,995,000 17,715,000 17,563,000 
      adjustments to reconcile net income to net cash from operating activities:
    		                               
      fhlb stock dividends
    		-2,197,000 -2,285,000 -2,352,000 -2,418,000 -2,477,000 -2,528,000 -2,586,000 -2,796,000 -3,260,000 -3,607,000 -4,158,000 -3,865,000 -2,695,000 -2,240,000 -1,231,000 -952,000 -944,000 -951,000 -1,069,000 -1,080,000 -1,207,000 -1,714,000 -1,826,000 -1,865,000 -1,831,000 -1,971,000 -2,939,000 -1,196,000 -1,151,000 -1,105,000 -1,128,000 
      benefit from credit losses
    		-451,000 0 677,000 -637,000 1,472,000 301,000 123,000 963,000 1,324,000 891,000 3,660,000 1,060,000 937,000 -3,188,000 -3,439,000 -1,323,000 -2,691,000 -2,964,000 -1,532,000 0 0 22,075,000 225,000     515,000 -800,000 0 233,000 
      originations of loans receivable held-for-sale
    		-1,583,000   -287,000 0 0 -425,000 -999,000 0   1,000 -411,000 0 -678,000 -1,183,000 0 -233,000 -364,000         -906,000 -2,227,000 -1,405,000 -1,364,000 
      proceeds from sales of lhfs
    		3,295,000   294,000 0 -2,000 433,000 1,007,000 0   0 416,000 412,000 285,000 1,215,000 0 244,000 366,000         1,453,000 2,659,000 1,548,000 1,320,000 
      amortization and accretion of premiums and discounts on securities
    		-829,000 -786,000 -876,000 -855,000 -1,586,000 -2,970,000 -2,771,000 720,000 737,000 722,000 837,000 940,000 1,044,000 1,219,000 1,764,000 1,898,000 1,701,000 1,590,000 1,017,000 662,000 443,000 328,000 228,000 222,000 349,000 388,000 1,362,000 1,511,000 2,125,000 2,221,000 2,294,000 
      depreciation and amortization of premises and equipment
    		1,778,000 1,815,000 1,847,000 1,845,000 2,006,000 2,038,000 2,040,000 2,223,000 2,235,000 2,283,000 2,298,000 2,345,000 2,342,000 2,337,000 2,341,000 2,434,000 2,347,000 2,287,000 2,304,000 2,321,000 2,248,000 2,278,000 2,286,000 2,197,000 2,192,000 2,518,000 1,891,000 1,539,000 1,399,000 1,324,000 1,257,000 
      amortization of intangible assets
    		137,000 137,000 137,000 185,000 210,000 180,000 199,000 248,000 273,000 274,000 274,000 323,000 349,000 350,000 350,000 314,000 421,000 421,000 422,000 471,000 496,000 497,000 500,000 577,000 581,000 608,000      
      amortization of deferred amounts related to fhlb advances
    		355,000 337,000 388,000 386,000 381,000 379,000 383,000 381,000 376,000 427,000 459,000 457,000 450,000 444,000 453,000 450,000 445,000 433,000 254,000 224,000 220,000 93,000 2,000 2,000 2,000 2,000 365,000 2,080,000 2,015,000 1,972,000 2,171,000 
      common stock committed to be released for allocation - esop
    		234,000 241,000 263,000 243,000 217,000 245,000 222,000 244,000 258,000 336,000 341,000 384,000 408,000 461,000 487,000 467,000 531,000 545,000 493,000 402,000 474,000 530,000 582,000 560,000 547,000 531,000 634,000 510,000 1,646,000 1,640,000 1,636,000 
      stock-based compensation
    		96,000 103,000 101,000 92,000 97,000 82,000 87,000 89,000 75,000 74,000 89,000 125,000 126,000 124,000 123,000 117,000 127,000 134,000 118,000 120,000 132,000 152,000 166,000 167,000 90,000 95,000 157,000 548,000 537,000 677,000 909,000 
      net income from securities transactions
    		   0 0 0 13,345,000                         
      changes in:
    		                               
      unrestricted cash collateral from derivative counterparties
    		-1,310,000 -1,680,000 2,550,000 -5,120,000 -930,000 1,030,000 -6,830,000 870,000 3,570,000                       
      other assets
    		-729,000 5,752,000 -2,904,000 4,926,000 -3,775,000 6,615,000 461,000 1,616,000 -549,000 3,988,000 -2,527,000 354,000 1,215,000 3,640,000 1,452,000 3,975,000 2,045,000 4,789,000 1,942,000 4,056,000 1,400,000 2,412,000 1,237,000 1,544,000 368,000 1,050,000 -437,000 78,000 -2,876,000 2,464,000 -3,379,000 
      income taxes receivable
    		313,000 -558,000 -482,000 -235,000                            
      deferred income tax assets
    		23,000 808,000 764,000                             
      other liabilities
    		-5,110,000 -3,705,000 -9,936,000 -18,444,000 5,020,000 -101,000 -9,306,000 5,711,000 -2,093,000 -3,676,000 -4,314,000 2,272,000 901,000 -6,927,000 -7,069,000 -3,526,000 -1,467,000               
      net cash from operating activities
    		12,404,000 15,505,000 5,608,000 -3,091,000 19,107,000 20,502,000 -5,334,000 13,468,000 9,329,000 10,133,000 14,601,000 33,907,000 26,902,000 16,223,000 20,269,000 23,090,000 19,323,000 12,851,000 19,203,000 23,791,000 30,761,000 11,566,000 26,810,000 23,388,000 17,836,000 14,302,000 26,954,000 25,103,000 30,826,000 22,489,000 21,255,000 
      cash flows from investing activities:
    		                               
      purchase of afs securities
    		-38,749,000 -138,042,000 -71,416,000 -116,812,000 -108,306,000 -283,217,000 -668,310,000     -1,033,000 -28,447,000   -125,533,000 -125,234,000 -323,804,000 -504,780,000 -541,999,000 -177,445,000 -138,960,000 -149,359,000 -113,982,000   -35,890,000 -24,768,000 -29,310,000 -175,045,000 -204,142,000 
      proceeds from calls, maturities and principal reductions of afs securities
    		47,803,000 47,813,000 51,574,000 81,371,000 118,206,000 205,929,000 49,604,000 45,503,000 45,964,000 44,348,000 51,045,000 61,865,000 72,502,000 80,993,000 107,665,000 118,136,000 211,296,000 112,466,000 152,396,000 197,957,000 200,293,000 145,892,000 123,810,000 97,124,000 98,521,000 51,003,000 61,274,000 96,656,000 90,721,000 184,601,000 345,298,000 
      proceeds from sale of afs securities
    		   0 0 0 1,272,512,000                         
      proceeds from the redemption of fhlb stock
    		5,037,000 3,315,000 3,163,000 7,552,000 5,238,000 3,624,000 3,134,000 94,684,000 49,687,000 123,697,000 90,423,000 113,625,000 92,894,000 94,500,000 1,224,000 1,161,000 2,807,000 11,180,000 10,238,000 10,000,000 0 0 421,000 5,458,000 2,596,000 94,500,000 98,950,000     
      purchase of fhlb stock
    		       -86,590,000 -34,343,000 -124,067,000 -109,760,000 -122,688,000 -103,439,000 -91,455,000 -1,833,000 0        -1,071,000 -2,875,000 -93,324,000 -91,405,000     
      net change in loans receivable
    		-148,346,000 78,561,000 -48,054,000 28,439,000 -56,914,000 69,286,000 22,815,000 -9,378,000 -7,266,000 -176,002,000 -327,583,000 -229,756,000 -128,449,000 -10,969,000 -12,387,000 -46,477,000 -57,638,000 33,217,000 203,698,000 185,239,000 88,715,000 -69,751,000 -12,844,000         
      purchase of premises and equipment
    		-1,642,000 -756,000 -1,152,000 -1,776,000 -2,676,000 -1,471,000 -1,261,000 -1,884,000 -2,128,000 -1,176,000 -1,093,000 -1,065,000 -1,974,000 -992,000 -1,526,000 -1,302,000 -3,136,000 -2,914,000 -2,058,000 -5,320,000 -2,925,000 -2,615,000 -3,882,000 -4,263,000 -2,400,000 -2,183,000 -1,981,000     
      proceeds from sale of other real estate owned
    		0 0 110,000 0 68,000   0 186,000 51,000 296,000 189,000 16,000 367,000 120,000 97,000 0 44,000 53,000 0 6,000 402,000 585,000 562,000 431,000 631,000 1,272,000     
      proceeds from sale of premises and equipment
    		0                               
      proceeds from sale of assets held-for-sale
    		   0 449,000           1,642,000                
      proceeds from bank-owned life insurance ("boli") death benefit
    		0   0 0   0    0 220,000   0 0 0 443,000 0 0 0 490,000         
      net cash from investing activities
    		-137,628,000 -8,399,000 -65,775,000 -1,226,000 -43,935,000 -4,224,000 678,494,000  52,820,000 -133,149,000 -291,109,000 -178,863,000 -96,677,000 14,701,000 93,263,000 -52,276,000 28,043,000 -162,425,000 -140,010,000 -154,123,000 108,644,000 -65,032,000 -40,779,000 89,426,000 -80,592,000 81,605,000 -4,716,000 52,585,000 110,826,000 -122,262,000 95,460,000 
      capitol federal financial, inc. and subsidiary
    		                               
      consolidated statements of cash flows
    		                               
      cash flows from financing activities:
    		                               
      cash dividends paid
    		-11,063,000 -11,062,000 -11,061,000 -11,043,000 -11,044,000 -11,127,000 -11,308,000 -11,323,000 -11,321,000 -11,319,000 -49,209,000 -11,534,000 -38,677,000 -11,535,000 -41,385,000 -11,518,000 -65,726,000 -11,518,000 -29,128,000 -11,732,000 -11,734,000 -11,733,000 -58,663,000 -46,154,000 -11,700,000 -65,362,000      
      net change in deposits
    		58,592,000 166,428,000 76,135,000 322,000 -12,051,000 120,116,000 -29,625,000 -41,620,000 -51,595,000 69,886,000 -120,317,000 -135,017,000 -284,961,000 -33,160,000 50,608,000 -40,898,000 -12,571,000 240,023,000 219,434,000 121,724,000 295,065,000 188,768,000 3,984,000 -120,240,000 143,247,000 -45,490,000 28,656,000     
      proceeds from borrowings
    		300,000,000 150,100,000 200,000,000 75,000,000 50,000,000 50,000,000 175,100,000 0 1,201,870,000 1,091,900,000 2,000,100,000 375,000,000 285,700,000 500,000,000 293,702,000 340,000,000 333,800,000 165,000,000 305,000,000 340,000,000 139,000,000 824,200,000 362,400,000 363,700,000 65,000,000 2,615,000,000 2,100,000,000  472,405,000 68,980,000 334,150,000 
      repayments on borrowings
    		-371,179,000 -171,279,000 -216,177,000 -187,427,000 -109,922,000 -72,421,000 -682,521,000 -107,418,000 -912,688,000 -1,040,918,000 -1,487,518,000 -113,200,000 0 -500,000,000 -293,702,000 -340,000,000 -333,800,000 -315,000,000 -358,000,000 -540,000,000 -266,000,000 -894,200,000 -412,400,000 -463,700,000 -6,186,000 -2,618,866,000 -2,200,000,000  -422,405,000 -118,980,000 -334,150,000 
      change in advances by borrowers
    		-16,003,000 28,772,000 -35,713,000 26,950,000 -17,847,000 27,859,000 -38,154,000 22,011,000 -19,213,000 23,988,000 -43,860,000                     
      payment of fhlb prepayment penalties
    		               -1,000 -31,000 -2,753,000 -2,292,000 0 0           
      repurchase of common stock
    		   1,000 0 -7,549,000 -11,900,000 -1,257,000 0 0 -22,196,000     1,000 -1,000 0 -4,568,000          -17,379,000 -33,338,000 -38,657,000 
      net cash from financing activities
    		-40,200,000 162,959,000 13,184,000 -96,197,000 -100,864,000 106,878,000 -598,408,000 -139,607,000 207,053,000 133,537,000 277,000,000 139,361,000 -47,885,000 -17,020,000 -25,279,000 -27,017,000 -92,323,000 104,184,000 97,941,000 -84,179,000 140,150,000 130,867,000 -142,468,000 -274,164,000 210,374,000 -151,109,000 -153,442,000  -58,939,000 43,190,000 -153,263,000 
      net (decrease) / increase in cash and cash equivalents
    		  -46,983,000                             
      cash and cash equivalents:
    		                               
      beginning of period
    		0 0 217,307,000  0 0 245,605,000  0 0 49,194,000  0 0 70,292,000  0 0 239,708,000  0 0 253,700,000 0 0 139,055,000 281,764,000  0 0 141,705,000 
      end of period
    		-165,424,000 170,065,000 170,324,000  -125,692,000 123,156,000 320,357,000  269,202,000 10,521,000 49,686,000  -117,660,000 13,904,000 158,545,000  -44,957,000 -45,390,000 216,842,000  279,555,000 77,401,000 97,263,000 -161,350,000 147,618,000 83,853,000 150,560,000  82,713,000 -56,583,000 105,157,000 
      see accompanying notes to consolidated financial statements.
    		                               
      net increase in cash and cash equivalents
    		    -125,692,000                        82,713,000 -56,583,000 -36,548,000 
      supplemental disclosure of noncash investing activities:
    		                               
      purchase of securities that will settle in a subsequent period
    		                               
      benefit from deferred income taxes
    		                               
      proceeds from sale of participating interest in loans receivable
    		       0 0 0 5,563,000                     
      years ended september 30, 2024, 2023, and 2022
    		                               
      beginning of year
    		                               
      end of year
    		                               
      supplemental disclosures of cash flow information:
    		                               
      income tax payments
    		                          5,000  9,327,000 14,379,000 12,000 
      interest payments
    		                          29,016,000  28,424,000 28,146,000 30,601,000 
      income taxes payable/receivable
    		     1,291,000 4,584,000 -2,643,000 -2,010,000 -3,767,000 1,117,000 724,000 -3,107,000 -2,621,000 2,807,000 1,808,000 -962,000 -3,113,000 2,372,000 2,423,000 2,600,000 -8,057,000 3,808,000    8,899,000 8,335,000 100,000 -5,047,000 8,848,000 
      deferred income tax liabilities
    		     180,000 -7,836,000  91,000 1,032,000 -245,000  1,155,000 589,000 438,000  -417,000 -342,000 248,000  -707,000 -1,203,000 -597,000 46,000 1,000 -746,000      
      net increase in cash, cash equivalents and restricted cash
    		      74,752,000   10,521,000 492,000                     
      cash, cash equivalents and restricted cash:
    		                               
      gain on the sale of visa class b shares
    		               0 0               
      proceeds from the sale of visa class b shares
    		               0 0               
      net cash (used in) investing activities
    		                               
      years ended september 30, 2023, 2022, and 2021
    		                               
      stock options exercised
    		               0 300,000   0 0 25,000 613,000 762,000 118,000 467,000 5,147,000     
      net increase / (decrease) in cash, cash equivalents and restricted cash
    		       -83,804,000                        
      unrestricted cash collateral received from derivative counterparties
    		          530,000                     
      years ended september 30, 2022, 2021, and 2020
    		                               
      net decrease in cash, cash equivalents and restricted cash
    		           -5,595,000                    
      supplemental disclosure of noncash investing and financing activities:
    		                               
      operating lease right-of-use assets obtained
    		                   0 1,183,000 0 15,658,000         
      operating lease liabilities obtained
    		                   0 1,183,000 0 15,543,000         
      unrestricted cash collateral (provided to)/received from derivative counterparties
    		                       0 0 -9,970,000      
      change in advance payments by borrowers for taxes and insurance
    		            -9,947,000 27,675,000 -34,502,000 25,399,000 -14,294,000 28,408,000 -32,505,000 26,596,000 -16,181,000 28,022,000 -38,402,000 -8,532,000 19,895,000 -36,858,000 -37,240,000  -15,627,000 26,141,000 -31,824,000 
      net increase in cash, cash equivalents, restricted cash and restricted cash equivalents
    		              88,253,000 -56,203,000    -214,511,000 279,555,000           
      cash, cash equivalents, restricted cash and restricted cash equivalents:
    		                               
      proceeds from calls, maturities and principal reductions of htm securities
    		                       42,992,000 40,816,000 42,876,000 77,309,000 79,068,000 131,842,000 173,716,000 176,794,000 
      proceeds from the redemption of common equity securities related to the redemption of junior subordinated debentures
    		                               
      years ended september 30, 2021, 2020, and 2019
    		                               
      transfer of htm securities, at amortized cost, to afs securities
    		                               
      net decrease in cash, cash equivalents, restricted cash and restricted cash equivalents
    		                 -45,390,000 -22,866,000    -156,437,000   -55,202,000      
      accounts payable and accrued expenses
    		                  -6,266,000 -1,006,000 5,188,000 -10,101,000 -2,312,000 -2,797,000 -5,719,000 -8,175,000 -3,556,000 -7,950,000 -442,000 -377,000 -11,865,000 
      cash acquired from acquisition
    		                               
      years ended september 30, 2020, 2019, and 2018
    		                               
      loans transferred to lhfs
    		                               
      acquisition:
    		                               
      common stock issued
    		                               
      fair value of assets acquired, excluding acquired cash and intangibles
    		                               
      fair value of liabilities assumed
    		                               
      proceeds from calls, maturities and principal reductions of held-to-maturity ("htm") securities
    		                               
      income taxes payable
    		                        -3,298,000 5,589,000      
      net increase in loans receivable
    		                        -45,175,000 -11,898,000 -114,245,000 -66,776,000 -77,379,000 -77,746,000 -33,926,000 
      proceeds from sales of loans receivable held-for-sale
    		                               
      supplemental disclosure of noncash investing and
    		                               
      financing activities:
    		                               
      purchase of htm securities
    		                           -30,896,000 0 -227,310,000 -193,191,000 
      dividends paid
    		                          -50,198,000  -10,796,000 -11,023,000 -114,302,000 
      excess tax benefits from stock options
    		                          193,000     
      net decrease in cash and cash equivalents
    		                          -131,204,000     
      adjustments to reconcile net income to net cash provided by
    		                               
      operating activities:
    		                               
      prepaid federal insurance premium
    		                            9,825,000 990,000 987,000 
      accrued interest receivable
    		                           773,000 21,000 -128,000 1,773,000 
      proceeds from the redemption of capital stock of fhlb
    		                           3,350,000 0 1,209,000 3,315,000 
      purchases of capital stock of fhlb
    		                           -2,719,000    
      purchases of premises and equipment
    		                           -2,510,000 -4,569,000 -4,115,000 -2,118,000 
      proceeds from sales of oreo
    		                           1,180,000 1,912,000 2,428,000 3,430,000 
      deposits, net of withdrawals
    		                            -65,137,000 111,410,000 31,520,000 
      deferred fhlb prepayment penalty
    		                               
      supplemental disclosure of noncash
    		                               
      investing and financing activities:
    		                               
      fhlb advances that will settle in a subsequent period
    		                               
      repayments of borrowings
    		                               
      net proceeds from common stock offering
    		                               
      supplemental disclosure of non-cash
    		                               
      note received from esop in exchange for common stock
    		                               
      customer deposit holds related to common stock offering
    		                               
      loans transferred to oreo
    		                               
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.