Capitol Federal Financial (CFFN)
NASDAQ:CFFN
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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$5.51 - $7.97
Previous CloseN/A
Volume134.33K
Average Volume (3M)912.57K
Market Cap
$979.67M
Enterprise Value$648.75M
Total Cash (Recent Filing)$1.06B
Total Debt (Recent Filing)$1.83B
Price to Earnings (P/E)10.8
Beta0.84
Next Earnings
Jul 29, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend Yield4.73%
Share Statistics
EPS (TTM)0.16
Shares Outstanding129,844,180
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 Cap0.66
Enterprise Value/Revenue1.52
Enterprise Value/Gross Profit3.13
Enterprise Value/Ebitda6.71
Forecast
1Y Price Target
$8.00Price Target Upside3.76% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)0.64
Revenue Forecast (FY)$230.96M
Bulls Say, Bears Say
Bulls Say
Net Interest Income & Margin ExpansionSustained NII and margin expansion over multiple quarters strengthens the bank’s core earnings base, reducing reliance on volatile noninterest items. Durable margin improvement supports predictable interest-driven profitability and cash generation across a 2–6 month horizon and beyond.
Strategic Shift Into Commercial BankingA deliberate move to full-service commercial banking and rapid commercial loan and deposit growth diversifies revenue and funding sources. Combined with treasury, digital onboarding, cards and wealth investments, this structural shift can raise fee income and stabilize long-term deposit funding.
Strong Cash Generation And Capital ReturnsHigh free cash flow coverage of net income indicates earnings quality and internal capital to support dividends and buybacks. Durable cash conversion enables ongoing shareholder returns while funding strategic investments without excessive external financing.
Bears Say
Moderate Returns On EquityA ~7% TTM ROE is modest given bank leverage, limiting long-term shareholder return potential. Without sustained margin expansion, efficiency gains, or higher-yield assets, ROE may remain constrained, reducing the company’s ability to organically build equity over time.
Earnings Volatility / Prior Loss YearA prior deep loss year and volatile margins highlight sensitivity to rate moves, credit costs, or securities losses. Even with recent recovery, this structural variability increases execution risk; consistent credit performance and margin stability are required to make improvements durable.
Balance-sheet Leverage Remains A ConstraintAlthough leverage has declined, the balance sheet remains meaningfully leveraged, which limits capital flexibility and amplifies stress from credit or market shocks. This constraint can hinder growth initiatives or require capital raises to materially change risk posture.
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 $5.51 and its highest was $7.96 in the past 12 months.
What is Capitol Federal Financial’s market cap?
Capitol Federal Financial’s market cap is $979.67M.
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 90 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 4.73%. 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 129,844,180 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 -4.251%.
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
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$8.00 (3.76% Upside)
$8.00 (3.76% Upside)
Blogger Sentiment
Bullish
CFFN Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 47.4K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
25.04%
12-Months-Change
Fundamentals
Return on Equity
6.99%
Trailing 12-Months
Asset Growth
2.52%
Trailing 12-Months
Company Description
Capitol Federal Financial
Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity, loans and lines of credit, home improvement loans, vehicle loans, and loans secured by saving deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 54 branches, including 45 traditional branches and nine in-store branches located in nine counties throughout Kansas and two counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.
CFFN Stock 12 Month Forecast
Average Price Target
$8.00
▲(3.76% Upside)
Technical Analysis
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Ownership Overview
2.18% Insiders
18.21% Mutual Funds
1.56% Other Institutional Investors
49.88% Public Companies and
Individual Investors