Capitol Federal Financial (CFFN) Debt/Equity Ratio: History & Chart

Capitol Federal Financial, Inc.(CFFN)

Banks - Regional · Topeka, KS

$8.55Daily change unavailable

Delayed quote: Oct 6, 2026, 11:05 AM EDT

About Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc. acts as the parent company for Capitol Federal Savings Bank, offering a comprehensive suite of retail banking services. The bank provides diverse deposit products, including savings, money market, interest-bearing and standard checking accounts, as well as certificates of deposit. Its lending portfolio is equally broad, featuring mortgages for one-to-four-family residences, commercial real estate, commercial and industrial, and construction loans. Additionally, consumer credit options are available, such as home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. Beyond these, the institution delivers modern banking conveniences through mobile, telephone, and online platforms, alongside bill payment services, and operates a customer call center. It also engages in strategic securities investments. The bank's physical presence includes 54 branches—45 traditional and 9 in-store locations—spanning nine counties in Kansas and two in Missouri. Key service areas encompass the metropolitan regions of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina in Kansas, plus a segment of the broader Kansas City metropolitan area. Capitol Federal Financial, Inc., founded in 1893, is headquartered in Topeka, Kansas.

Topeka, KS

641 employees

capfed.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: John Dicus

View full financials

CFFN Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

1.60

DEBT TO EQUITY RATIO AVG TTM

1.77

DEBT TO EQUITY RATIO AVG 3Y

2.08

DEBT TO EQUITY RATIO AVG 5Y

1.95

DEBT TO EQUITY RATIO AVG 10Y

1.75

DEBT TO EQUITY RATIO AVG 15Y

1.74

DEBT TO EQUITY RATIO AVG 20Y

2.11

CURRENT VS TTM AVG

-9.65%

CURRENT VS 3Y AVG

-23.08%

CURRENT VS 5Y AVG

-17.74%

CURRENT VS 10Y AVG

-8.19%

CURRENT VS 15Y AVG

-8.01%

CURRENT VS 20Y AVG

-24.25%

SECTOR MEDIAN · FINANCIAL SERVICES

0.34

median of 524 covered companies

CURRENT VS SECTOR MEDIAN

+364.37%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Capitol Federal Financial, Inc. (CFFN)	$1.05B	1.60	1.77	2.08	1.95
Five Star Bancorp (FSBC)vs ›	$1.05B	0.16	0.20	0.49	0.38
Northeast Bank (NBN)vs ›	$1.05B	1.42	1.05	1.26	0.89
Oaktree Specialty Lending Corporation (OCSL)vs ›	$1.04B	1.04	1.06	1.05	0.99
International General Insurance Holdings Ltd. (IGIC)vs ›	$1.07B	0.00	0.01	0.01	0.01
Mercantile Bank Corporation (MBWM)vs ›	$1.03B	0.91	1.13	1.32	1.35
Esquire Financial Holdings, Inc. (ESQ)vs ›	$1.03B	0.00	0.01	0.00	0.00
CNB Financial Corporation (CCNEP)vs ›	$1.02B	0.31	0.30	0.40	0.35
OceanFirst Financial Corp. (OCFC)vs ›	$1.01B	0.95	0.86	0.82	0.63
Business First Bancshares, Inc. (BFST)vs ›	$1.01B	0.61	0.60	0.79	0.64

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Capitol Federal Financial, Inc. (CFFN)

$1.05B

1.60

1.77

2.08

1.95

Five Star Bancorp (FSBC)vs ›

$1.05B

0.16

0.20

0.49

0.38

Northeast Bank (NBN)vs ›

$1.05B

1.42

1.05

1.26

0.89

Oaktree Specialty Lending Corporation (OCSL)vs ›

$1.04B

1.04

1.06

1.05

0.99

International General Insurance Holdings Ltd. (IGIC)vs ›

$1.07B

0.00

0.01

Mercantile Bank Corporation (MBWM)vs ›

$1.03B

0.91

1.13

1.32

1.35

Esquire Financial Holdings, Inc. (ESQ)vs ›

$1.03B

0.00

0.01

0.00

CNB Financial Corporation (CCNEP)vs ›

$1.02B

0.31

0.30

0.40

0.35

OceanFirst Financial Corp. (OCFC)vs ›

$1.01B

0.95

0.86

0.82

0.63

Business First Bancshares, Inc. (BFST)vs ›

$1.01B

0.61

0.60

0.79

0.64

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Capitol Federal Financial, Inc. (CFFN)?

The debt to equity ratio for CFFN stock is 1.60.

Is Capitol Federal Financial, Inc.'s debt to equity ratio high or low?

The debt to equity ratio of 1.60 is 18% below its 5-year average of 1.95, near the low end of its 5-year range (1.27–2.81).

What is the TTM average debt to equity ratio for Capitol Federal Financial, Inc. (CFFN)?

The TTM average debt to equity ratio for CFFN stock is 1.77.

What is the 3Y average debt to equity ratio for Capitol Federal Financial, Inc. (CFFN)?

The 3Y average debt to equity ratio for CFFN stock is 2.08.

What is the 5Y average debt to equity ratio for Capitol Federal Financial, Inc. (CFFN)?

The 5Y average debt to equity ratio for CFFN stock is 1.95.

What is the 10Y average debt to equity ratio for Capitol Federal Financial, Inc. (CFFN)?

The 10Y average debt to equity ratio for CFFN stock is 1.75.

What is the 15Y average debt to equity ratio for Capitol Federal Financial, Inc. (CFFN)?

The 15Y average debt to equity ratio for CFFN stock is 1.74.

What is the 20Y average debt to equity ratio for Capitol Federal Financial, Inc. (CFFN)?

The 20Y average debt to equity ratio for CFFN stock is 2.11.

DATE	DEBT TO EQUITY RATIO
2026-06-30	1.60
2026-03-31	1.66
2025-12-31	1.76
2025-10-27	1.86
2025-06-30	1.98
2025-03-31	2.07
2024-12-31	2.11
2024-09-30	2.11
2024-06-30	2.25
2024-03-31	2.29
2023-12-31	2.29
2023-09-30	2.28
2023-06-30	2.81
2023-03-31	2.52
2022-12-31	2.51
2022-09-30	1.94
2022-06-30	1.65
2022-03-31	1.35
2021-12-31	1.30
2021-09-30	1.27
2021-06-30	1.28
2021-03-31	1.24
2020-12-31	1.36
2020-09-30	1.39
2020-06-30	1.53
2020-03-31	1.64
2019-12-31	1.68
2019-09-30	1.68
2019-06-30	1.69
2019-03-31	1.73
2018-12-31	1.69
2018-09-30	1.72
2018-06-30	1.70
2018-03-31	1.67
2017-12-31	1.68
2017-09-30	1.73
2017-06-30	1.75
2017-03-31	1.79
2016-12-31	1.81
2016-09-30	1.85
2016-06-30	1.94
2016-03-31	1.90
2015-12-31	1.92
2015-09-30	2.45
2015-06-30	1.96
2015-03-31	2.43
2014-12-31	1.90
2014-09-30	2.40
2014-06-30	1.86
2014-03-31	1.82
2013-12-31	1.81
2013-09-30	1.74
2013-06-30	1.79
2013-03-31	1.80
2012-12-31	1.74
2012-09-30	1.60
2012-06-30	1.58
2012-03-31	1.51
2011-12-31	1.50
2011-09-30	1.49
2011-06-30	1.56
2011-03-31	1.55
2010-12-31	1.50
2010-09-30	3.14
2010-06-30	3.24
2010-03-31	3.29
2009-12-31	3.30
2009-09-30	3.30
2009-06-30	3.39
2009-03-31	3.41
2008-12-31	3.69
2008-09-30	3.63
2008-06-30	3.47
2008-03-31	3.45
2007-12-31	3.54
2007-09-30	3.21
2007-06-30	3.36
2007-03-31	3.59
2006-12-31	3.83
2006-09-30	3.85
2006-06-30	3.79
2006-03-31	3.79
2005-12-31	3.99
2005-09-30	4.02
2005-06-30	4.04
2005-03-31	4.06
2004-12-31	4.13
2004-09-30	4.21
2004-06-30	3.35
2004-03-31	3.37
2003-12-31	3.34
2003-09-30	3.36
2003-06-30	3.32
2003-03-31	3.34
2002-12-31	3.38
2002-09-30	3.34

DATE

DEBT TO EQUITY RATIO

2026-06-30

1.60

2026-03-31

1.66

2025-12-31

1.76

2025-10-27

1.86

2025-06-30

1.98

2025-03-31

2.07

2024-12-31

2.11

2024-09-30

2.11

2024-06-30

2.25

2024-03-31

2.29

2023-12-31

2.29

2023-09-30

2.28

2023-06-30

2.81

2023-03-31

2.52

2022-12-31

2.51

2022-09-30

1.94

2022-06-30

1.65

2022-03-31

1.35

2021-12-31

1.30

2021-09-30

1.27

2021-06-30

1.28

2021-03-31

1.24

2020-12-31

1.36

2020-09-30

1.39

2020-06-30

1.53

2020-03-31

1.64

2019-12-31

1.68

2019-09-30

1.68

2019-06-30

1.69

2019-03-31

1.73

2018-12-31

1.69

2018-09-30

1.72

2018-06-30

1.70

2018-03-31

1.67

2017-12-31

1.68

2017-09-30

1.73

2017-06-30

1.75

2017-03-31

1.79

2016-12-31

1.81

2016-09-30

1.85

2016-06-30

1.94

2016-03-31

1.90

2015-12-31

1.92

2015-09-30

2.45

2015-06-30

1.96

2015-03-31

2.43

2014-12-31

1.90

2014-09-30

2.40

2014-06-30

1.86

2014-03-31

1.82

2013-12-31

1.81

2013-09-30

1.74

2013-06-30

1.79

2013-03-31

1.80

2012-12-31

1.74

2012-09-30

1.60

2012-06-30

1.58

2012-03-31

1.51

2011-12-31

1.50

2011-09-30

1.49

2011-06-30

1.56

2011-03-31

1.55

2010-12-31

1.50

2010-09-30

3.14

2010-06-30

3.24

2010-03-31

3.29

2009-12-31

3.30

2009-09-30

3.30

2009-06-30

3.39

2009-03-31

3.41

2008-12-31

3.69

2008-09-30

3.63

2008-06-30

3.47

2008-03-31

3.45

2007-12-31

3.54

2007-09-30

3.21

2007-06-30

3.36

2007-03-31

3.59

2006-12-31

3.83

2006-09-30

3.85

2006-06-30

3.79

2006-03-31

3.79

2005-12-31

3.99

2005-09-30

4.02

2005-06-30

4.04

2005-03-31

4.06

2004-12-31

4.13

2004-09-30

4.21

2004-06-30

3.35

2004-03-31

3.37

2003-12-31

3.34

2003-09-30

3.36

2003-06-30

3.32

2003-03-31

3.34

2002-12-31

3.38

2002-09-30

3.34

Debt to Equity Ratio: 1.60

CFFN Debt to Equity Ratio

CFFN Average Debt to Equity Ratio Chart

CFFN Current vs Average Debt to Equity Ratio Chart

CFFN Debt to Equity Ratio Metrics

CFFN Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

CFFN Debt to Equity Ratio History

Related Metrics