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Extra Everything: The Story of Chipotle
Chipotle's story from a single restaurant to a nationwide chain, through crisis and turnaround, built on one of the strongest models in the industry.
Capitol Federal Financial
Capitol Federal Financial (CFFN) investor relations material
Capitol Federal Financial Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary29 Apr, 2026
Executive summary
Net income for Q2 2026 was $20.1 million, with EPS of $0.16, and for the six months ended March 31, 2026, net income was $40.5 million ($0.32 per share), up 31% year-over-year, driven by higher net interest income and commercial loan growth.
Net interest margin rose to 2.24% in Q2 2026, up from 2.19% sequentially and 1.21% for FY 2023; for the six months, it was 2.22%, up from 1.89% year-over-year.
Strategic focus on commercial lending, digital banking, and wealth management is driving growth and diversification.
Paid $15.9 million in dividends, including a special dividend, and repurchased over 2.1 million shares in Q2 2026; total dividends for six months were $26.9 million, with 4.53 million shares repurchased for $31.7 million.
Stockholders’ equity was $1.03 billion at March 31, 2026, down $22.0 million due to share repurchases and dividends.
Financial highlights
Net interest income for the six months ended March 31, 2026 was $103.6 million, up from $86.1 million year-over-year.
Efficiency ratio improved to 52.45% for Q2 2026 and 53.05% for the six months, down from 59.23% year-over-year.
Tangible book value per share reached $7.96 at March 31, 2026.
Loan portfolio totaled $8.11 billion at March 31, 2026, with commercial loans increasing by $201.8 million since September 30, 2025.
Deposits totaled $6.92 billion at March 31, 2026, up $333.0 million from September 30, 2025, with consistent growth over recent quarters.
Outlook and guidance
Board intends to continue regular quarterly cash dividends of $0.085 per share, totaling $0.34 per share for FY 2026, and pursue further share repurchases.
Net commercial loan balances expected to grow approximately 6% in the June 2026 quarter and 20% for the full fiscal year; total loans receivable anticipated to increase by about 1% for FY2026.
Continued focus on commercial loan and deposit growth, digital banking enhancements, and disciplined capital returns.
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Latest events from Capitol Federal Financial
- Net income rose 32% on commercial loan growth, margin expansion, and strong capital returns.CFFN
Q1 20266 Feb 2026 - Commercial lending growth and improved margins drive strong returns and capital strength.CFFNInvestor presentation28 Jan 2026
- 2026 meeting seeks approval for directors, executive pay, new incentive plan, and auditor ratification.CFFNProxy Filing18 Dec 2025
- Annual meeting to vote on directors, compensation, incentive plan, and auditor ratification.CFFNProxy Filing18 Dec 2025
- Annual meeting features key votes on board declassification, executive pay, and auditor ratification.CFFNProxy Filing2 Dec 2025
- Annual meeting covers director elections, executive pay, auditor change, and board declassification.CFFNProxy Filing2 Dec 2025
- Key votes include director elections, auditor ratification, and declassifying the Board.CFFNProxy Filing2 Dec 2025
- FY2025 net income surged 79% year-over-year, fueled by commercial banking expansion and margin gains.CFFNQ4 202529 Oct 2025
- Net income climbed to $49.2M, fueled by commercial loan growth and higher efficiency.CFFNQ3 20258 Aug 2025
Next Capitol Federal Financial earnings date
Q3 202629 Jul, 2026
Capitol Federal Financial
Next Capitol Federal Financial earnings date
Q3 202629 Jul, 2026
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