What trends in CFFN's EPS surprises suggest for future quarters?

Capitol Federal Financial (CFFN) has shown a positive trend in EPS surprises, with recent quarters exceeding expectations. This suggests a strong potential for continued growth in future quarters, as the bank has demonstrated a ability to outperform earnings projections.

1. **Consistent Improvement**: CFFN's EPS has shown a consistent upward trajectory, from $0.09 in Q4 2024 to $0.12 in Q1 2025. This indicates a strong and improving bottom line.
2. **Beat Expectations**: In Q2 2024, CFFN's EPS was aligned with projections, but the bank surpassed net income estimates. This sets a positive precedent for future quarters, as the bank has shown an ability to exceed expectations.
3. **Increase in Interest Income**: The increase in interest income from mortgage-backed securities by 33.0% in Q2 2024 suggests a strategic shift towards higher market yields. This could lead to further EPS growth as the bank continues to capitalize on higher yields.
4. **Revenue Growth**: CFFN's revenue has also been on an upward trend, from $47.7 million estimated for Q2 2025 to $97.6 million reported in Q1 2025. This indicates a strong revenue stream that supports EPS growth.
5. **Analyst Expectations**: Analysts have consistently raised their expectations for CFFN's future earnings. For Q2 2025, the estimated EPS was $0.11, which the bank surpassed with an EPS of $0.12. This suggests that analysts may continue to revise their expectations upward as the bank's performance continues to exceed expectations.

In conclusion, CFFN's recent performance indicates a strong potential for continued EPS growth in future quarters. The bank's ability to exceed expectations, combined with increasing interest income and revenue, suggests a positive outlook for the company's earnings.