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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 - $8.63
Previous CloseN/A
Volume134.33K
Average Volume (3M)912.57K
Market Cap
$1.09B
Enterprise Value$2.39B
Total Cash (Recent Filing)$1.14B
Total Debt (Recent Filing)$1.71B
Price to Earnings (P/E)14.4
Beta0.79
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 Cap2.19
Enterprise Value/Revenue5.51
Enterprise Value/Gross Profit11.16
Enterprise Value/Ebitda23.78
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
Net Interest Margin ExpansionSustained NII and margin expansion across seven consecutive quarters indicates structural improvement in core interest-earning economics. Because net interest income is the primary revenue driver, a consistently higher NIM supports durable earnings, cash generation, and the capacity to fund dividends and buybacks over the medium term.
Improving Leverage ProfileA clear downward trend in leverage reduces solvency and market-risk sensitivity and improves capital flexibility. Lower leverage enhances resilience to credit shocks, supports regulatory and investor confidence, and expands room for disciplined capital returns and strategic investment over the next several quarters.
Commercial Lending And Deposit GrowthA strategic shift into full-service commercial banking diversifies revenue away from mortgage concentration and broadens stable funding via commercial deposits. High annualized growth rates suggest durable expansion in higher-margin commercial relationships and a stronger deposit base to support loan growth and margin stability.
Bears Say
Historical Earnings VolatilityThe company’s recent history includes a marked annual loss and material margin swings, demonstrating sensitivity to rate cycles, credit trends, and operating shocks. Such volatility increases the risk that current improvements could reverse, complicating capital planning and threatening sustained dividend or buyback programs.
Uneven Operating Cash GenerationAlthough TTM free cash flow is positive and improved, inconsistent operating cash conversion across periods signals unpredictability in internal funding. This variability can constrain the bank’s ability to reliably finance dividends, repurchases, or growth investments through cycles without tapping capital markets.
Balance Sheet Remains Meaningfully LeveragedDespite deleveraging progress, the bank’s leverage remains materially higher than some peers, leaving it more exposed to adverse credit or market moves. Higher leverage can amplify losses in downturns and limit strategic flexibility, especially if capital cushions or earnings weaken.
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 $8.63 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 27 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
1
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3
4
5
6
7
8
9
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
Central Pacific Financial
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Amalgamated Bank
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Ownership Overview
2.24% Insiders
18.61% Mutual Funds
13.13% Other Institutional Investors
35.92% Public Companies and
Individual Investors