Capitol Federal Financial, Inc. · NASDAQ:CFFN
Capitol Federal Financial — Shareholder Meeting (2026)
16 slides from Capitol Federal Financial's shareholder meeting presentation, 2026
Slide 1: Welcome to the Capitol Federal Financial, Inc. Annual Meeting
WELCOME T0 THE 2029 CAPITOL FEDERAL FINANCIAL, INC.° ANNUAL MEETING
Slide 2: Safe Harbor Disclosure
Safe Harbor Disclosure Except for the historical information contained in this press release, the matters discussed herein may be deemed to be "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements
Slide 3: Meeting Agenda
Meeting Agenda I. Proxy proposal items of business II. Financial performance and capital returns III. Strategic banking initiatives and long-term strategy IV. Questions & answers 3
Slide 4: Board of Directors
Board of Directors John B. Dicus, Chairman, President & CEO Michel’ Philipp Cole, ABC Morris J. Huey, II Jeffrey M. Johnson Michael T. McCoy, M.D. James G. Morris Carlton A. Ricketts Jeffrey R. Thompson 4
Slide 5: Management
Management John B. Dicus, Chairman, President & CEO Anthony S. Barry, Chief Corporate Services Officer Natalie G. Haag, General Counsel & Corporate Secretary Rick C. Jackson, Chief Lending Officer William J. Skrobacz, Jr., Chief Retail Operations Officer Kent G. Townsend, Chief Financial Officer 5
Slide 6: Proxy proposal items of business
Proxy proposal items of business The election of two directors. An advisory (non-binding) vote on executive compensation as disclosed in the accompanying proxy statement. The approval of the Capitol Federal Financial, Inc. 2026 Omnibus Incentive Plan. The ratification of the appointment of KPMG LLP
Slide 7: Financial Performance FY 2025
Financial Performance FY 2025 For the Year Ended September 30, 2025 2024 Net Income (in thousands) $ 68,025 $ 38,010 Earnings Per Share (basic & diluted) $ 0.52 $ 0.29 Net Interest Margin 1.96% 1.77% Return on Average Assets 0.71% 0.40% Return on Average Equity 6.54% 3.69% 7
Slide 8: Financial Performance FY 2025
Financial Performance FY 2025 For the Year Ended September 30, 2025 2024 Efficiency Ratio 58.33% 66.91% Operating Expense Ratio 1.22% 1.17% Non-performing Assets to Total Assets 0.49% 0.11% Equity to Total Assets 10.71% 10.83% 8
Slide 9: Financial Performance
Financial Performance At September 30, 2025 2024 (in thousands) Total Assets $ 9,778,701 $ 9,527,608 Total Loans $ 8,111,961 $ 7,907,338 Total Securities $ 867,216 $ 856,266 Total Deposits $ 6,591,448 $ 6,129,982 Total Borrowings $ 1,950,770 $ 2,179,564 Total Stockholders' Equity $ 1,047,677 $ 1,032
Slide 10: Robust History of Disciplined Capital Returns: CY 2025 Dividends and Share Repurchases
Robust History of Disciplined Capital Returns CY 2025 Dividends and Share Repurchases Total regular quarterly dividends* $ 44,207,366 Number of shares repurchased 2,994,893 Average price per share $ 6.73 Total amount repurchased $ 20,153,438 *Paid in February, May, August, and November. 10
Slide 11: Cumulative Cash Returned to Stockholders
Robust History of Disciplined Capital Returns Cumulative Cash Returned to Stockholders $2,400.0 $1,968.7 $2,033.1 $2,000.0 $1,600.0 Stockholder (in millions) $1,200.0 $1,532.7 Dividends $1,576.9 $11.32/sh per share $800.0 $400.0 Share Repurchases 42,987,200 shares $456.2 $436.0 Avg. Price of $10.61
Slide 12: Payment of Dividends
Robust History of Disciplined Capital Returns Payment of Dividends • CFFN declared a special dividend of $0.04 per share on December 17, 2025, payable on January 23, 2026 to stockholders of record as of the close of business on January 9, 2026. • CFFN declared a regular quarterly dividend of $0.085
Slide 13: Strategic Banking Initiatives
Strategic Banking Initiatives • Strategic Actions • Private Banking, Trust and Wealth Management • Commercial Lending • Stockholder Value • Treasury Management • Digital Banking 13
Slide 14: Questions & Answers
Questions & Answers
Slide 15: Dr. Michael T. McCoy, Board Member since January 2005
Dr. Michael T. McCoy, Board Member since January 2005 Capitol Federal Financial, Inc.© would like to honor Dr. Michael T. McCoy, whose 21 years on our Board Of Directors have been marked by integrity, foresight, and an unwavering dedication to our mission. Dr. McCoy helped Capitol Federal Financial,
Slide 16: Thank you for attending
Thank you for attending
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