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Capitol Federal Financial vs First Capital: revenue, profit, margins and growth compared

Capitol Federal Financial brought in $16.3M of revenue in fiscal 2025, First Capital $7.2M in fiscal 2025. Revenue changed by +6.5% at Capitol Federal Financial and +1.6% at First Capital on the year before, so Capitol Federal Financial grew faster. Capitol Federal Financial kept 417.3% of its revenue as net profit, First Capital 228.3%. Free cash flow was $49.8M at Capitol Federal Financial and $19.9M at First Capital.

Side by side, latest fiscal year

CFFNFCAP
Fiscal year endedFY2025 (September 30, 2025)FY2025 (December 31, 2025)
Revenue$16.3M$7.2M
Revenue growth+6.5%+1.6%
Net income$68M$16.4M
Net margin417.3%228.3%
Free cash flow$49.8M$19.9M
Free cash flow margin305.8%278.0%
Earnings per share (diluted)$0.52$4.89
Cash$252.4Mn/a
Debtn/an/a
Price to earnings16.712.3
Market value$1.1B$201.6M
Dividend yield3.92%1.99%
Rank by revenue in sector#395 of 444 · Finance#411 of 444 · Finance

Over the years

Revenue
CFFN FY2018: $15.6MCFFN FY2019: $16.6MCFFN FY2020: $14.8MCFFN FY2021: $16.5MCFFN FY2022: $18.1MCFFN FY2023: $17.6MCFFN FY2024: $15.3MCFFN FY2025: $16.3MFCAP FY2018: $5.3MFCAP FY2019: $5.5MFCAP FY2020: $5.8MFCAP FY2021: $6.4MFCAP FY2022: $7.1MFCAP FY2023: $7MFCAP FY2024: $7.1MFCAP FY2025: $7.2MFY18FY19FY20FY21FY22FY23FY24FY25
CFFN $16.3MFCAP $7.2M
Net income
CFFN FY2018: $98.9MCFFN FY2019: $94.2MCFFN FY2020: $64.5MCFFN FY2021: $76.1MCFFN FY2022: $84.5MCFFN FY2023: -$101.7MCFFN FY2024: $38MCFFN FY2025: $68MFCAP FY2018: $9.3MFCAP FY2019: $10.3MFCAP FY2020: $10.1MFCAP FY2021: $11.4MFCAP FY2022: $11.9MFCAP FY2023: $12.8MFCAP FY2024: $11.9MFCAP FY2025: $16.4MFY18FY19FY20FY21FY22FY23FY24FY25
CFFN $68MFCAP $16.4M
Net margin
CFFN FY2018: 632.7%CFFN FY2019: 567.7%CFFN FY2020: 436.1%CFFN FY2021: 461.1%CFFN FY2022: 466.6%CFFN FY2023: -577.6%CFFN FY2024: 248.4%CFFN FY2025: 417.3%FCAP FY2018: 176.1%FCAP FY2019: 186.8%FCAP FY2020: 175.9%FCAP FY2021: 177.2%FCAP FY2022: 166.6%FCAP FY2023: 182.5%FCAP FY2024: 169.1%FCAP FY2025: 228.3%FY18FY19FY20FY21FY22FY23FY24FY25
CFFN 417.3%FCAP 228.3%
Revenue growth
CFFN FY2019: +6.2%CFFN FY2020: -10.8%CFFN FY2021: +11.5%CFFN FY2022: +9.7%CFFN FY2023: -2.8%CFFN FY2024: -13.1%CFFN FY2025: +6.5%FCAP FY2019: +5.2%FCAP FY2020: +4.2%FCAP FY2021: +11.9%FCAP FY2022: +10.8%FCAP FY2023: -1.9%FCAP FY2024: +0.7%FCAP FY2025: +1.6%FY19FY20FY21FY22FY23FY24FY25
CFFN +6.5%FCAP +1.6%
Free cash flow
CFFN FY2018: $112.4MCFFN FY2019: $69.2MCFFN FY2020: $78.2MCFFN FY2021: $65.1MCFFN FY2022: $91.7MCFFN FY2023: $41.3MCFFN FY2024: $24MCFFN FY2025: $49.8MFCAP FY2018: $12.9MFCAP FY2019: $11.1MFCAP FY2020: $11.5MFCAP FY2021: $21.3MFCAP FY2022: $16.1MFCAP FY2023: $13.5MFCAP FY2024: $21.6MFCAP FY2025: $19.9MFY18FY19FY20FY21FY22FY23FY24FY25
CFFN $49.8MFCAP $19.9M

Fiscal years as each company reports them; the two may end in different months.

Questions about Capitol Federal Financial and First Capital

Which is bigger by revenue, Capitol Federal Financial or First Capital?

Capitol Federal Financial is bigger by revenue: $16.3M in fiscal 2025, against $7.2M for First Capital in fiscal 2025.

Which keeps more of its revenue as profit, Capitol Federal Financial or First Capital?

Capitol Federal Financial had a net margin of 417.3% in fiscal 2025; First Capital had 228.3% in fiscal 2025.

Which grew revenue faster, Capitol Federal Financial or First Capital?

In their latest fiscal years revenue changed by +6.5% at Capitol Federal Financial and +1.6% at First Capital.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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