Capitol Federal Q3 net income rises to $18.4 mln
Overview
Capitol Federal Q3 net income rises to $18.4 mln from $15.4 mln prior qtr
Net interest margin improves to 1.98%, driven by commercial loan growth
Company announces cash dividend of $0.085 per share
Outlook
Company expects $146.2 mln commercial real estate loans to fund next qtr
Capitol Federal to introduce digital onboarding for small businesses next qtr
Company plans digital banking enhancements for debit cardholders by Q4 FY 2025
Capitol Federal aims to grow non-interest bearing deposits and fee-based revenue
Result Drivers
COMMERCIAL LOAN GROWTH - Net interest margin increased due to higher average balance of commercial loans
CREDIT LOSS PROVISION - Release of provision for credit losses due to improved credit quality in commercial loan portfolio
NON-INTEREST INCOME - Increase in deposit service fees driven by higher debit card usage
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q3 EPS |
| $0.14 |
|
Q3 Net Income |
| $18.40 mln |
|
Q3 Basic EPS |
| $0.14 |
|
Q3 Credit Loss Provision |
| -$451,000 |
|
Q3 Dividend |
| $0.085 |
|
Q3 Net Interest Margin |
| 2.0% |
|
Press Release: ID:nBw32g4s7a
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