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CFFN Stock Chart & Stats
$7.71
-$0.01(-0.26%)
At close: 4:00 PM EST
$7.71
-$0.01(-0.26%)
Day’s Range― - ―
52-Week Range$5.71 - $8.84
Previous CloseN/A
Volume134.33K
Average Volume (3M)912.57K
Market Cap
$1.09B
Enterprise Value$2.59K
Total Cash (Recent Filing)$1.14B
Total Debt (Recent Filing)$1.71B
Price to Earnings (P/E)14.3
Beta0.82
Next Earnings
Jul 29, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend Yield4.42%
Share Statistics
EPS (TTM)0.60
Shares Outstanding126,769,830
10 Day Avg. Volume1,314,560
30 Day Avg. Volume912,571
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)0.79
Price to Sales (P/S)1.98
P/FCF Ratio16.57
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$8.83Price Target Upside14.57% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.66
Revenue Forecast (FY)$233.06M
Bulls Say, Bears Say
Bulls Say
Net Interest Income & Margin ExpansionSustained net interest income and seven straight quarters of margin expansion indicate the core banking spread is improving. For a regional bank, persistent NII growth and a 2.24% NIM bolster recurring earnings, support ROE recovery, and reduce reliance on one-off gains, providing durable core profitability.
Shift Into Commercial Banking And Deposit GrowthA strategic shift toward full-service commercial banking with rapid loan and deposit growth diversifies revenue and brings more stable, lower-cost funding. Scaling commercial lending plus treasury, cards and digital onboarding should strengthen fee streams and reduce sensitivity to residential mortgage cycles over the medium term.
Improving Cash Generation And Active Capital ReturnsStrengthening free cash flow with high cash conversion (~91% of net income) supports sustainable shareholder returns like buybacks and dividends while preserving flexibility for growth investments. Consistent FCF improves balance sheet optionality and signals management discipline in capital allocation.
Bears Say
Historical Earnings VolatilityA prior annual loss in 2023 followed by a rebound highlights material earnings cyclicality. Such volatility suggests sensitivity to rate moves, credit cycles, or mortgage market swings, making future cash flows and dividend reliability less predictable and increasing downside risk in stress scenarios.
Leverage Remains MeaningfulAlthough leverage has declined materially, a debt-to-equity around 1.66x still leaves the bank more exposed to credit losses and market stress than lower-leverage peers. Higher leverage can amplify earnings swings and constrain capital actions during downturns, reducing long-term resilience.
Uneven Operating Cash GenerationOperating cash flow has been inconsistent, with weaker coverage in 2024 and historically low figures at times. This uneven cash conversion raises the risk that FCF and liquidity could deteriorate in adverse periods, undermining dividend sustainability and limiting reinvestment or buffer capacity.
Capitol Federal Financial News
CFFN FAQ
What was Capitol Federal Financial’s price range in the past 12 months?
Capitol Federal Financial lowest stock price was $5.71 and its highest was $8.84 in the past 12 months.
What is Capitol Federal Financial’s market cap?
Capitol Federal Financial’s market cap is $1.09B.
When is Capitol Federal Financial’s upcoming earnings report date?
Capitol Federal Financial’s upcoming earnings report date is Jul 29, 2026 which is in 6 days.
How were Capitol Federal Financial’s earnings last quarter?
Capitol Federal Financial released its earnings results on Apr 29, 2026. The company reported $0.16 earnings per share for the quarter, the consensus estimate of $0.16 by $0.
Is Capitol Federal Financial overvalued?
According to Wall Street analysts Capitol Federal Financial’s price is currently Undervalued.
Does Capitol Federal Financial pay dividends?
Capitol Federal Financial pays a Quarterly dividend of $0.085 which represents an annual dividend yield of 4.42%. See more information on Capitol Federal Financial dividends here
What is Capitol Federal Financial’s EPS estimate?
Capitol Federal Financial’s EPS estimate is 0.17.
How many shares outstanding does Capitol Federal Financial have?
Capitol Federal Financial has 126,769,830 shares outstanding.
What happened to Capitol Federal Financial’s price movement after its last earnings report?
Capitol Federal Financial reported an EPS of $0.16 in its last earnings report, expectations of $0.16. Following the earnings report the stock price went down -4.248%.
Which hedge fund is a major shareholder of Capitol Federal Financial?
Currently, no hedge funds are holding shares in CFFN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Capitol Federal Financial Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$8.83 (14.57% Upside)
$8.83 (14.57% Upside)
Blogger Sentiment
Bullish
CFFN Sentiment 100%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Decreased
By 171.8K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
25.04%
12-Months-Change
Fundamentals
Return on Equity
4.42%
Trailing 12-Months
Asset Growth
1.14%
Trailing 12-Months
Company Description
Capitol Federal Financial
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.
CFFN Stock 12 Month Forecast
Average Price Target
$8.83
▲(14.57% Upside)
Technical Analysis
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Ownership Overview
2.24% Insiders
18.61% Mutual Funds
1.50% Other Institutional Investors
47.42% Public Companies and
Individual Investors