All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2024-01-26.
From the record
Capitol Federal Financial, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2024-01-26) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+3.2% a year over 10 filed years; profitable in 9 of 10.
From the record
Capitol Federal Financial, Inc.'s 10 filed years say what it did: revenue went from $301 million in fiscal 2016 to $400 million in fiscal 2025, up 3.2% a year; it rose in 7 of 9 years; the deepest fall was 22% from fiscal 2019 to fiscal 2021; net income was positive in 9 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 1.4% a year. 100% of cash flow returned. Insiders: 0 sales, 2 purchases.
From the record
Over the 3 fiscal years to 2025-09-30, Capitol Federal Financial, Inc.'s diluted share count shrank about 1.4% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 2 purchases of their own stock on the open market in the year to 2026-09-30, buying about $61 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 6%: 6¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-09-30, Capitol Federal Financial, Inc. earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 0.5% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 39% of 31 in its family; net margin 17%.
From the record
Capitol Federal Financial, Inc.'s standing among 31 graded names in its industry family: revenue of $400 million in fiscal 2025 ranks in the top 15% by size; a net margin of 17% ranks in the top 40%; revenue growth of 12.6% a year over the last 3 filed years ranks in the bottom 37% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 50% of 25 in its family for leadership; chief executive since 2021.
From the record
Capitol Federal Financial, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Dicus, John B (Chairman, President and CEO, as filed), filing under that title since 2021-06-09, 5.4 years (bottom 48% of its family); the 7 officers and directors filing in the last fifteen months have been on the record a median of 16.3 years (top 10%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 7 people in charge now (bottom 11%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 17% of 25 in its family for room to expand.
From the record
Capitol Federal Financial, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $252 million against debt of $2.0 billion leaves -17.4% of its assets as net cash, bottom 2% of its family; cash from operations less capital spending is 12.5% of revenue (bottom 32%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 40% of 30 in its family for growth drivers.
From the record
Capitol Federal Financial, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 12.6% a year over the last three filed years against 3.2% over all 10, speeding up (top 25% of its family); the newest year grew 6% (top 42%); capital spending grew -2.2% a year (bottom 47%) (its annual reports). Capitol Federal Financial, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 19% of 29 in its family for expectations against reality.
From the record
Capitol Federal Financial, Inc.'s newest year against its own record: revenue of $400 million in fiscal 2025 came in 8.7% below the $437 million its prior three years' pace pointed to (top 33% of its family); net income of $68 million against a prior three-year average of $7 million (top 5%); a net margin of 17% against 4% before (top 19%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made