Capitol Federal Financial (CFFN)
NASDAQ:CFFN
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Capitol Federal Financial
(NASDAQ:CFFN)
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Rating:65Neutral
Price Target:
$8.00
▲(5.54% Upside)
Action:DowngradedDate:02/07/26
The score is driven primarily by mid-range but improving financial performance (rebound in profitability and solid cash conversion) and supportive valuation (moderate P/E with a 5% yield). Technicals are positive but appear overextended (high RSI/Stoch), while corporate events add a modest positive tilt due to shareholder-friendly actions and operational momentum.
Positive Factors
Commercial banking diversification
The strategic shift into full-service commercial banking, higher commercial loans and growing commercial deposits diversifies revenue away from retail mortgages. Building treasury, digital and private banking capabilities should deepen client relationships, raise fee income, and reduce single-product sensitivity over time.
Negative Factors
Leveraged balance sheet
While leverage is improving, a still-elevated debt-to-equity profile limits capital flexibility and raises sensitivity to interest and credit shocks. For a regional bank, persistent leverage constrains the pace of asset growth and requires disciplined capital management to sustain payouts and build buffers.
Read all positive and negative factors
Positive Factors
Negative Factors
Commercial banking diversification
The strategic shift into full-service commercial banking, higher commercial loans and growing commercial deposits diversifies revenue away from retail mortgages. Building treasury, digital and private banking capabilities should deepen client relationships, raise fee income, and reduce single-product sensitivity over time.
Read all positive factors
Capitol Federal Financial (CFFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$994.61M
Dividend Yield4.73%
Average Volume (3M)912.57K
Price to Earnings (P/E)10.8
Beta (1Y)0.78
Revenue Growth6.27%
EPS Growth79.25%
CountryUS
Employees583
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap2.62
Enterprise Value/Revenue6.10
Enterprise Value/Gross Profit12.55
Enterprise Value/Ebitda26.95
Forecast
1Y Price Target
$7.50Price Target Upside-1.06% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)0.6
Revenue Forecast (FY)$227.09M
Capitol Federal Financial Business Overview & Revenue Model
Company Description
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 ac...
How the Company Makes Money
Capitol Federal Financial generates revenue primarily through interest income from its loan portfolio, which consists mainly of mortgage loans, commercial loans, and consumer loans. The interest earned on these loans is a significant source of rev...
Capitol Federal Financial Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 427.14M | 417.40M | 379.37M | 185.64M | 299.57M | 278.75M |
| Gross Profit | 207.48M | 197.45M | 163.33M | -27.71M | 217.26M | 204.08M |
| EBITDA | 96.63M | 90.74M | 62.81M | -128.85M | 117.94M | 106.98M |
| Net Income | 72.90M | 68.03M | 38.01M | -101.66M | 84.45M | 76.08M |
Balance Sheet | ||||||
| Total Assets | 9.78B | 9.78B | 9.53B | 10.18B | 9.62B | 9.63B |
| Cash, Cash Equivalents and Short-Term Investments | 1.06B | 1.12B | 1.07B | 1.63B | 1.61B | 2.06B |
| Total Debt | 1.83B | 1.95B | 2.18B | 2.38B | 2.13B | 1.58B |
| Total Liabilities | 8.74B | 8.73B | 8.50B | 9.13B | 8.53B | 8.39B |
| Stockholders Equity | 1.04B | 1.05B | 1.03B | 1.04B | 1.10B | 1.24B |
Cash Flow | ||||||
| Free Cash Flow | 61.22M | 49.84M | 24.00M | 41.25M | 91.74M | 65.06M |
| Operating Cash Flow | 66.88M | 55.04M | 31.18M | 47.53M | 97.30M | 74.47M |
| Investing Cash Flow | -160.19M | -206.59M | 629.11M | -329.10M | -167.58M | -326.67M |
| Financing Cash Flow | 155.62M | 186.68M | -688.59M | 477.98M | 49.18M | 82.78M |
Capitol Federal Financial Technical Analysis
Positive
7.58
Price Trends
7.26
Positive
6.94
Positive
6.48
Positive
Market Momentum
0.06
Negative
68.24
Neutral
94.61
Negative
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 7.58 is above the 20-day moving average (MA) of 7.10, above the 50-day MA of 7.26, and above the 200-day MA of 6.48, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 68.24 is Neutral, neither overbought nor oversold. The STOCH value of 94.61 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CFFN.
Capitol Federal Financial Risk Analysis
Capitol Federal Financial disclosed 13 risk factors in its most recent earnings report. Capitol Federal Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Capitol Federal Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $1.26B | 9.00 | 13.88% | 1.70% | 4.33% | -2.20% | |
71 Outperform | $1.15B | 11.89 | 7.51% | 3.91% | 8.27% | 54.96% | |
68 Neutral | $896.73M | 10.73 | 11.65% | 3.39% | 1.22% | 15.97% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $994.61M | 10.81 | 6.99% | 4.73% | 6.27% | 79.25% | |
56 Neutral | $974.39M | 15.23 | 5.64% | 1.79% | 15.37% | ― | |
53 Neutral | $902.09M | -5.75 | -20.64% | 3.50% | -78.64% | -913.67% |
* Financial Sector Average
CFFN
Capitol Federal Financial
7.66
2.86
59.52%
CPF
Central Pacific Financial
33.92
10.67
45.88%
HFWA
Heritage Financial
27.86
7.69
38.14%
HBNC
Horizon Bancorp
17.61
5.10
40.74%
AMAL
Amalgamated Bank
42.24
16.49
64.06%
AMTB
Amerant Bancorp
24.22
6.60
37.44%
Capitol Federal Financial Corporate Events
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Capitol Federal Financial Holders Back Leadership and Incentive Plan
Positive
Jan 29, 2026
At its Annual Meeting of Stockholders held on January 27, 2026, Capitol Federal Financial, Inc. stockholders elected Michel’ Philipp Cole and Jeffrey M. Johnson to three-year terms as directors, while the terms of several incumbent directors...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Capitol Federal Financial Reports Strong Quarterly Commercial Banking Growth
Positive
Jan 28, 2026
Capitol Federal Financial, Inc. reported preliminary results for the quarter ended December 31, 2025, showing total assets of $9.78 billion, stockholders’ equity of $1.04 billion and net income of $20.3 million, up from $18.8 million in the ...
Shareholder Meetings
Capitol Federal to Webcast Annual Stockholder Meeting Presentation
Neutral
Jan 23, 2026
On January 23, 2026, Capitol Federal Financial, Inc. announced that the presentation for its Annual Meeting of Stockholders would be made available on the company’s website at 10:00 a.m. Central Time on January 27, 2026, signaling an emphasi...
Stock BuybackDividends
Capitol Federal Financial Announces Special Cash Dividend
Positive
Dec 17, 2025
Capitol Federal Financial, a financial institution specializing in banking and related services, announced a special cash dividend and an update on its stock buyback program. The special dividend of $0.04 per share will be distributed on January 2...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.