Capitol Federal Financial

What Capitol Federal Financial does

Capitol Federal Financial, Inc. is a Topeka, Kansas-based savings and loan holding company (NASDAQ: CFFN) operating primarily through its wholly-owned subsidiary, Capitol Federal Savings Bank, an FDIC-insured federal thrift chartered in 1890. The bank runs a 46-branch retail distribution network concentrated in Kansas and the Kansas City metropolitan area of Missouri, offering a full-service consumer and small-business franchise spanning deposit accounts (Simple Blue and Genuine Blue checking, Passcard and high-yield eSavings, Money Market Select, CDs), IRAs, residential mortgages (fixed-rate, ARM, VA, construction-to-permanent, Home-at-Last, parent-child), home-equity and consumer loans (auto, recreation vehicle), and partner-distributed products including Sallie Mae student loans and Quilo personal loans. Commercial banking services — small-business checking, commercial loans ($2.32B portfolio), treasury management, and a newly launched CorServ-powered commercial credit card program — round out the franchise alongside insurance and wealth management subsidiaries.

The bank monetizes principally through net interest income (2.24% net interest margin, seventh consecutive quarter of expansion), supplemented by deposit-account fees, loan origination and servicing fees, and wealth-management and insurance revenue. Digital distribution is layered on top of the branch footprint via True Blue Online, iOS/Android apps, Zelle QR-based P2P, Visa debit/credit, and Apple Pay/Google Pay tokenization. Pricing is subscription/recurring on deposits with product-tiered APYs (e.g., 3.70% on eSavings at $10K+, 182-day CD at 3.40% APY) and APR-based on consumer credit (HELOC 6.75–9.25%, vehicle loans 7.00–8.194%).

The customer base is horizontally segmented across individual consumers (primary), small and medium businesses (primary), first-time/low-to-moderate-income homebuyers via specialized programs, and high-net-worth wealth-management clients. Distribution is relationship-led, with named loan professionals and branch managers driving acquisition and cross-sell. The company is publicly traded at roughly $980M market cap, trades at 0.96x tangible book value and 13.44x earnings, and has returned capital through 28 consecutive years of dividends plus an active buyback program that repurchased 3.08M shares in Q2 FY2026 alone.

Name

Capitol Federal Financial

Legal name

Capitol Federal Financial, Inc.

Website

https://capfed.com

Company type

Public

Founded year

1890

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Capitol Federal Financial is a Topeka-based savings and loan holding company (NASDAQ: CFFN) operating a 46-branch community bank across Kansas and Missouri, offering deposit, mortgage, consumer, commercial, wealth, and insurance products to retail customers and small businesses.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Retail banking services
• Mortgage lending
• Consumer banking
• Commercial banking
• Wealth management

Headquarters

HQ city

Topeka

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Net Interest Income: Primary revenue stream from spread between interest earned on loans (residential mortgages, commercial loans) and interest paid on deposits. Q2 2026 net income of $20.1 million with seventh consecutive quarter of net interest income growth.
2. Deposit Account Fees and Charges: Monthly service charges, overdraft fees, ATM fees from non-network usage, wire transfer fees, and external transfer charges
3. Loan Origination and Servicing: Fees from mortgage originations, refinancing, home equity loans, commercial loans, auto loans, and consumer loans. Quilo partnership for personal loan origination.
4. Wealth Management Services: Trust services, financial advisors, investment services, and brokerage services for personal banking customers

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Capitol Federal Financial, through its subsidiary Capitol Federal Savings Bank, operates as a community-oriented regional bank providing deposit products (checking, savings, money market, CDs, IRAs), residential mortgage loans (conventional fixed-rate, ARM, VA, construction-to-permanent, Home-at-Last), consumer loans (home equity, auto, recreation vehicle, personal loans via Quilo, student loans via Sallie Mae), commercial banking (small business checking, commercial loans, treasury management, commercial credit cards via CorServ), wealth management (trust and investment services), and insurance products across 46 branches in Kansas and Missouri. The institution also delivers digital banking through True Blue Online, iOS and Android mobile apps, and Zelle-integrated payments.

Product overview

Capitol Federal Financial is a regional bank offering a comprehensive suite of banking products and services through its primary subsidiary, Capitol Federal Savings Bank. The bank's offerings span personal banking (checking, savings, CDs, IRAs), mortgage and consumer lending (including conventional mortgages, VA loans, home equity products, auto loans, and partner-based student and personal loans), digital banking (True Blue Online® and mobile apps), business banking (checking, treasury management, commercial credit cards, commercial loans), wealth management (trust services and investment services), and insurance products. The bank operates 46 branches in Kansas and Missouri and serves as a major residential lender in Kansas with over 130 years of operation.

Differentiator

Problem solved

Functional benefit

Products and services

• True Blue Online Banking Online banking platform providing customers account access, bill payment, fund transfers, eStatements, alerts, and mobile browser access.
• Simple Blue Checking Account Basic consumer checking account with no monthly service charge, $100 minimum opening deposit, True Blue debit card, and digital banking access.
• Genuine Blue Checking Account Interest-earning consumer checking account with $100 minimum deposit, no monthly service charge if average daily balance is $1,000 or more, and one free box of True Blue checks annually.
• Passcard Savings Account Basic savings account with $100 opening deposit, no monthly service charge with $100 average daily balance, unlimited teller transactions, and overdraft protection companion capability.
• High Yield eSavings Account Online-only savings account paying 3.70% APY on balances of $10,000 or more; requires eStatement enrollment and has no monthly service charge with $10,000+ average daily balance.
• Money Market Select Account Tiered-rate money market savings account with checking account flexibility and rates increasing as balances grow (up to 1.65% APY at $200,000+); no monthly service charge with $1,000+ average daily balance.
• Blue Bucks Kids' Savings Account Youth savings account for children ages 0-13 with $25 minimum opening deposit, automatic Blue Bucks Kids' Club enrollment, quarterly newsletter, and sweepstakes entries.
• Certificate of Deposit Fixed-rate time deposit with terms from 91 days to 60 months, $1,000 minimum to open and earn APY, FDIC insured, with early withdrawal penalty.
• Traditional IRA Individual retirement account with tax-deductible contributions subject to income limits, tax-deferred growth, and CD terms up to 4 years.
• Roth IRA Roth individual retirement account with tax-free withdrawals in retirement, no required minimum distributions at age 73, and CD terms up to 5 years.
• Fixed-Rate Mortgage Loan Conventional home loan with a fixed interest rate for the entire loan term, available in 10, 15, 20, and 30-year terms to protect against rate increases.
• Adjustable-Rate Mortgage Variable-rate mortgage with lower initial rate and capped annual and lifetime adjustments, including 7/1 ARM with a fixed rate for the first seven years.
• VA Loan 30-year fixed-rate mortgage for eligible active-duty service members, veterans, reservists, and National Guard members with no down payment required and no private mortgage insurance.
• Construction-to-Permanent Loan Single-closing construction loan converting to a permanent mortgage with one set of closing costs, 12-month interest-only construction period, and one-time free re-amortization upon sale of existing residence.
• Parent-Child Loan Program Mortgage program for individuals whose family members cannot qualify independently, featuring a 25% down payment, competitive rates, and terms up to 30 years.
• Home-at-Last Loan Mortgage program designed for low-to-moderate income homebuyers and first-time buyers with accessible terms and lower down payment options.
• Home Equity Loan Fixed-rate, fixed-term second mortgage available up to 90% of the home's current market value less the outstanding first mortgage balance, for home improvements and other purposes.
• Execuline HELOC Open-end home equity line of credit accessible via checks, Visa access card, True Blue Online transfers, or branch cash advances, with a 7-year draw term and 10-year repayment period.
• Auto Loan Vehicle financing for new and used cars, lease buyouts, and refinancing with quick decisions, competitive rates (7.000%-8.194% APR), and a 0.25% rate reduction for automatic payment from a CapFed account.
• Recreation Vehicle Loan Financing for recreational vehicles and motor homes, new or used, with flexible options through Capitol Federal loan professionals.
• Sallie Mae Student Loans Partnership with Sallie Mae Bank offering competitive variable and fixed rate student loans including Smart Option Student Loan, Graduate School Loan, MBA Loan, Medical School Loan, Dental School Loan, and Law School Loan.
• Quilo Personal Loans Unsecured personal loans originated via the Quilo app with quick applications, decisions within minutes, and funding soon after approval; requires a Capitol Federal checking account.
• True Blue Debit Card Visa debit card providing fee-free access to Capitol Federal ATMs, worldwide acceptance at Visa merchants, contactless payment capability, and Apple Pay / Google Pay compatibility.
• Capitol Federal Insurance Insurance products including home, auto, life, commercial/business, Medicare, flood, and recreational insurance offered through Capitol Federal's insurance division.
• Trust Services Wealth management services for asset handling and estate planning managed through Capitol Federal Wealth Management.
• Investment Services Brokerage and personalized investment management services offered as part of Capitol Federal Wealth Management's comprehensive offerings.
• Small Business Checking Business checking account designed for small business needs with essential banking tools and treasury management services.
• Treasury Management Services Comprehensive business financial tools including commercial checking, treasury services, merchant card services, and IntraFi Cash Service for cash flow optimization.
• Commercial Credit Cards Business credit card program launched in partnership with CorServ in March 2026, offering enhanced expense management, increased margins, and oversight capabilities using CorServ's issuing technology.
• Commercial Loans Business lending solutions for commercial real estate, working capital, and business expansion needs ($2.32 billion portfolio as of Q2 2026).
• Overdraft Protection Account protection service transferring funds from linked checking, savings, or money market accounts, or from Execuline home equity or unsecured line of credit, to prevent overdrafts.
• Visa Gift Cards Prepaid Visa gift cards available for purchase at Capitol Federal branches, with no purchase fee during promotional periods.

Quantifiable outcome

• 28 consecutive years of dividend payments
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

One partnership is on record.

• CorServcoreTechnology or Integration · 11 March 2026CorServ partnered with Capitol Federal Savings Bank (CapFed) to launch a commercial credit card program. The partnership enables the bank to offer commercial card products using CorServ's issuing technology, providing businesses with enhanced expense management and control, increased margins, and oversight capabilities.

Scale indicators14 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Provident Financial Services: Savings and loan holding company operating a community banking franchise with comparable residential lending, deposit products, and commercial banking services.
• Flushing Financial: Federally chartered savings bank with similar deposit-funded model, comparable market cap range, and diversified mix of residential and commercial lending serving a defined regional market.
• Brookline Bancorp: Bank holding company with comparable market capitalization operating a multi-state community banking model with diversified commercial and consumer lending.
• WSFS Financial: Regional bank holding company with community banking focus, comparable deposit and wealth management offerings, and similar scale of operations.
• Northwest Bancshares: Mutual holding company structure with similar deposit-funded thrift model; comparable size, regional concentration, and reliance on residential mortgage lending. Both operate as community-oriented savings institutions.
• Dime Community Bancshares: New York-based savings bank holding company with similar business model focused on residential and multifamily lending in a defined geographic market.
• OceanFirst Financial: Savings and loan holding company with community banking model and multi-branch regional footprint; similar reliance on net interest income and residential mortgage origination.
• Berkshire Hills Bancorp: Regional bank holding company with comparable size, community banking model, and diversified mix of residential mortgages and commercial lending.
• Kearny Financial: Mutual holding company structure savings bank with comparable size and deposit-gathering franchise; similar profile as a community-oriented thrift with diversified lending products.

Broad incumbents

• UMB Financial: Larger Midwest-headquartered regional bank with broader geographic footprint but overlapping commercial banking, treasury management, and wealth management offerings relevant for cross-market benchmarking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/capfed
• YouTubeyoutube.com/user/CapFedTV
• Facebookfacebook.com/CapFed
• LinkedInlinkedin.com/company/capitol-federal-savings-bank
• Instagraminstagram.com/capitolfederal

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capitol Federal Financial