Capitol Federal Financial (CFFN) AI Stock Analysis

• Market Cap: $807.43M
• Dividend Yield: 5.59%
• Average Volume (3M): 646.26K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 0.88
• Revenue Growth: 6.49%
• EPS Growth: N/A
• Country: US
• Employees: 583
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.14
• Shares Outstanding: 132,800,860
• 10 Day Avg. Volume: 701,168
• 30 Day Avg. Volume: 646,262
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 3.52
• Enterprise Value/Revenue: 7.02
• Enterprise Value/Gross Profit: 20.40
• Enterprise Value/Ebitda: 33.36
• 1Y Price Target: $6.50
• Price Target Upside: 5.35% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 67 Neutral
• Price Target: $6.50 ▲(5.35% Upside)

Capitol Federal Financial's overall score is driven by its solid valuation and positive corporate events, despite mixed financial performance and technical indicators. The company's strategic expansion and attractive dividend yield are key strengths.

Capitol Federal Financial Business Overview & Revenue Model

Company Description

Capitol Federal Financial (CFFN) is a savings and loan holding company based in Topeka, Kansas. It primarily operates through its wholly-owned subsidiary, Capitol Federal Savings Bank, which provides a wide range of financial products and services, including residential and commercial real estate loans, consumer loans, and deposit accounts. The company focuses on serving retail customers and small businesses, primarily in the Midwest region of the United States, and is committed to community engagement and financial education.

How the Company Makes Money

Capitol Federal Financial generates revenue through various channels, primarily by earning interest on loans it extends to customers. The main revenue streams include interest income from mortgage loans, commercial real estate loans, and consumer loans. Additionally, the company collects fees for services such as account maintenance, ATM transactions, and other banking services. CFFN also earns income from its investment securities portfolio, which includes government and agency securities. A significant factor contributing to its earnings is its strong emphasis on customer relationships and community involvement, which helps to maintain a loyal customer base and attract new business. The company's focus on low-cost funding through customer deposits also aids in maintaining healthy interest margins.

Capitol Federal Financial Financial Statement Overview

Summary

Capitol Federal Financial shows a mixed financial profile. Strengths include solid cash flow generation and operational efficiency, but challenges exist in revenue growth and high leverage. Improving profitability and financial stability is crucial.

Income Statement

Capitol Federal Financial has shown a mixed performance in its income statement. The TTM gross profit margin stands at around 45%, indicating efficiency in covering costs of production. However, the net profit margin is approximately 13%, reflecting moderate profitability. Revenue growth has been inconsistent, with a notable downturn in 2023. The EBIT and EBITDA margins of 18% and 20% respectively in the TTM suggest operational efficiency, although there is room for improvement.

Balance Sheet

The balance sheet reveals some strengths and weaknesses. The debt-to-equity ratio is around 2.07, indicating high leverage, which could be risky. The return on equity is about 5%, showing average profitability for shareholders. The equity ratio of 11% suggests modest financial stability, although a higher ratio would be preferable for comfort against liabilities.

Cash Flow

The cash flow statement shows some positive signs, with a solid operating cash flow to net income ratio of 0.71 in the TTM, indicating effective cash generation from operations. Free cash flow has shown growth, although fluctuations were observed in prior years. The free cash flow to net income ratio of 0.59 suggests reasonable conversion of earnings to cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	404.72M	379.37M	185.64M	299.57M	278.75M	321.69M
Gross Profit	139.23M	163.33M	-27.71M	217.26M	204.08M	183.74M
EBITDA	85.16M	62.81M	-128.85M	117.94M	106.98M	91.73M
Net Income	61.27M	38.01M	-101.66M	84.45M	76.08M	64.54M
Balance Sheet
Total Assets	9.69B	9.53B	10.17B	9.62B	9.63B	9.49B
Cash, Cash Equivalents and Short-Term Investments	174.97M	1.07B	1.63B	1.61B	2.06B	1.75B
Total Debt	2.07B	2.18B	2.38B	2.13B	1.58B	1.79B
Total Liabilities	8.65B	8.50B	9.13B	8.53B	8.39B	8.20B
Stockholders Equity	1.05B	1.03B	1.03B	1.10B	1.24B	1.28B
Cash Flow
Free Cash Flow	28.65M	24.00M	41.25M	91.74M	65.06M	78.19M
Operating Cash Flow	30.43M	31.18M	47.53M	97.30M	74.47M	92.93M
Investing Cash Flow	-213.03M	629.11M	-329.10M	-167.58M	-326.67M	-151.29M
Financing Cash Flow	-96.20M	-688.59M	477.98M	49.18M	82.78M	44.37M

Capitol Federal Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.17
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFFN, the sentiment is Positive. The current price of 6.17 is above the 20-day moving average (MA) of 5.99, above the 50-day MA of 5.97, and above the 200-day MA of 5.82, indicating a bullish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 59.76 is Neutral, neither overbought nor oversold. The STOCH value of 73.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CFFN.

Capitol Federal Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCBC	80 Outperform	$671.24M	13.46	9.91%	8.87%	0.89%	-2.22%
NBN	79 Outperform	$816.52M	10.15	19.16%	0.04%	33.02%	33.76%
OSBC	76 Outperform	$924.54M	9.59	12.51%	1.37%	2.02%	-2.80%
HBT	75 Outperform	$797.46M	10.45	14.08%	3.24%	4.86%	7.89%
CFFN	67 Neutral	$807.43M	12.91	5.92%	5.59%	6.49%	―
Sector *	67 Neutral	¥833.81B	12.87	9.24%	3.02%	8.04%	11.99%
AMTB	64 Neutral	$833.32M	―	0.44%	1.89%	-6.88%	-131.00%

Capitol Federal Financial Corporate Events

Capitol Federal Financial Reports $18.4M Net Income

Capitol Federal Financial, Inc. reported a net income of $18.4 million for the quarter ended June 30, 2025, with earnings per share of $0.14 and a net interest margin increase to 1.98%. The company announced a quarterly cash dividend of $0.085 per share, payable on August 15, 2025. The bank continues to grow its commercial banking segment by implementing new technologies and expanding its product offerings, including treasury management and digital banking services, to enhance customer experience and attract new business.

The most recent analyst rating on (CFFN) stock is a Hold with a $7.00 price target. To see the full list of analyst forecasts on Capitol Federal Financial stock, see the CFFN Stock Forecast page.