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$5.71 - $8.13
Previous CloseN/A
Volume134.33K
Average Volume (3M)912.57K
Market Cap
$1.01B
Enterprise Value$2.68B
Total Cash (Recent Filing)$16.27M
Total Debt (Recent Filing)$1.71B
Price to Earnings (P/E)13.0
Beta0.82
Next Earnings
Jul 29, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend Yield4.73%
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 Cap2.65
Enterprise Value/Revenue6.16
Enterprise Value/Gross Profit12.49
Enterprise Value/Ebitda27.08
Forecast
1Y Price Target
$8.25Price Target Upside7.00% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.64
Revenue Forecast (FY)$230.96M
Bulls Say, Bears Say
Bulls Say
Margin & Earnings RecoverySustained NII and margin expansion across seven consecutive quarters builds a more durable core earnings base driven by lending and securities yield management. That trend supports ongoing profitability even if loan growth moderates, reducing reliance on volatile noninterest gains.
Commercial Loan And Deposit GrowthRapid commercial loan and deposit growth reflects a strategic shift toward full-service commercial banking, diversifying funding and reducing concentration in residential lending. Higher‑margin commercial relationships and sticky deposits enhance long-term balance sheet resilience and repeatable fee opportunities.
Improving Leverage And Cash GenerationLower debt-to-equity coupled with strengthening free cash flow increases financial flexibility to fund growth, pay dividends, and repurchase shares. Improved cash conversion to roughly 91% of net income suggests higher earnings quality and a stronger capacity to support capital returns over time.
Bears Say
Residual Balance-sheet LeverageDespite improvement, meaningful leverage leaves the bank more exposed to credit and market stress than lower‑leverage peers. Equity base growth has been muted, so capital buffers could tighten in adverse cycles, constraining lending flexibility and the scope for aggressive capital returns.
Profitability VolatilityHistorical swings from a 2023 loss to later profitability show earnings are cyclically sensitive. This volatility can impair long‑term planning, make dividend and buyback policies less predictable, and indicate earnings depend heavily on interest‑rate and credit-cycle dynamics.
Uneven Operating Cash ConversionIntermittent operating cash generation and prior weak annual coverage imply cash conversion can fluctuate materially. That unpredictability complicates sustainable capital allocation, increases reliance on capital markets in stress periods, and reduces reliability of shareholder returns.
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 $8.13 in the past 12 months.
What is Capitol Federal Financial’s market cap?
Capitol Federal Financial’s market cap is $1.01B.
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 49 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 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
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$8.25 (7.00% Upside)
$8.25 (7.00% Upside)
Blogger Sentiment
Bullish
CFFN Sentiment 100%
Sector Average ―
Sector Average ―
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
7.46%
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
$8.25
▲(7.00% Upside)
Technical Analysis
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Ownership Overview
2.24% Insiders
18.55% Mutual Funds
13.13% Other Institutional Investors
36.55% Public Companies and
Individual Investors