Capitol Federal Financial (CFFN)
NASDAQ:CFFN
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Capitol Federal Financial
(NASDAQ:CFFN)
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Rating:63Neutral
Price Target:
$8.00
▲(3.76% Upside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by improving financial performance (earnings recovery, better margins, positive and strengthening free cash flow, and reduced leverage), tempered by historical volatility and uneven cash generation. Valuation is supportive with a moderate P/E and strong dividend yield, while technicals are neutral-to-slightly constructive with mixed near-term momentum. A positive corporate update (margin expansion, growth, and capital returns) provides a modest additional boost.
Positive Factors
Margin & earnings recovery
Sustained 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.
Negative Factors
Residual balance-sheet leverage
Despite 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Margin & earnings recovery
Sustained 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.
Read all positive factors
Capitol Federal Financial (CFFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$986.27M
Dividend Yield4.73%
Average Volume (3M)912.57K
Price to Earnings (P/E)11.2
Beta (1Y)0.83
Revenue Growth7.25%
EPS Growth49.05%
CountryUS
Employees583
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap2.71
Enterprise Value/Revenue6.17
Enterprise Value/Gross Profit12.50
Enterprise Value/Ebitda27.09
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
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
CFFN makes money primarily through its banking subsidiary by earning interest income on loans and investment securities and paying interest on deposits and other funding sources; the difference between these amounts is net interest income, which i...
Capitol Federal Financial Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
55
Neutral
Cash Flow
58
Neutral
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 434.20M | 417.40M | 379.37M | 185.64M | 299.57M | 278.75M |
| Gross Profit | 214.21M | 197.45M | 163.33M | -27.71M | 217.26M | 204.08M |
| EBITDA | 98.81M | 90.74M | 62.81M | -128.85M | 117.94M | 106.98M |
| Net Income | 77.65M | 68.03M | 38.01M | -101.66M | 84.45M | 76.08M |
Balance Sheet | ||||||
| Total Assets | 9.83B | 9.78B | 9.53B | 10.18B | 9.62B | 9.63B |
| Cash, Cash Equivalents and Short-Term Investments | 16.27M | 1.12B | 1.07B | 1.63B | 1.61B | 2.06B |
| Total Debt | 1.71B | 1.95B | 2.18B | 2.38B | 2.13B | 1.58B |
| Total Liabilities | 8.80B | 8.73B | 8.50B | 9.13B | 8.53B | 8.39B |
| Stockholders Equity | 1.03B | 1.05B | 1.03B | 1.04B | 1.10B | 1.24B |
Cash Flow | ||||||
| Free Cash Flow | 66.61M | 49.84M | 24.00M | 41.25M | 91.74M | 65.06M |
| Operating Cash Flow | 72.82M | 55.04M | 31.18M | 47.53M | 97.30M | 74.47M |
| Investing Cash Flow | -114.80M | -206.59M | 629.11M | -329.10M | -167.58M | -326.67M |
| Financing Cash Flow | 32.52M | 186.68M | -688.59M | 477.98M | 49.18M | 82.78M |
Capitol Federal Financial Technical Analysis
Positive
7.71
Price Trends
7.39
Positive
7.20
Positive
6.68
Positive
Market Momentum
0.06
Positive
57.98
Neutral
49.43
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 7.71 is above the 20-day moving average (MA) of 7.69, above the 50-day MA of 7.39, and above the 200-day MA of 6.68, indicating a bullish trend. The MACD of 0.06 indicates Positive momentum. The RSI at 57.98 is Neutral, neither overbought nor oversold. The STOCH value of 49.43 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $1.22B | 11.49 | 13.37% | 1.70% | 6.23% | 2.16% | |
76 Outperform | $1.12B | 13.27 | 7.58% | 3.91% | 8.28% | 37.82% | |
76 Outperform | $912.50M | 10.13 | 13.73% | 3.39% | 5.37% | 40.00% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $885.48M | 9.68 | 6.81% | 1.79% | 8.98% | ― | |
63 Neutral | $986.27M | 11.20 | 7.46% | 4.73% | 7.25% | 49.05% | |
63 Neutral | $940.87M | 8.07 | -20.89% | 3.50% | -71.38% | -406.48% |
* Financial Sector Average
CFFN
Capitol Federal Financial
7.78
2.44
45.67%
CPF
Central Pacific Financial
34.96
9.18
35.62%
HFWA
Heritage Financial
27.17
4.91
22.07%
HBNC
Horizon Bancorp
18.33
3.82
26.31%
AMAL
Amalgamated Bank
40.91
11.12
37.35%
AMTB
Amerant Bancorp
22.50
5.56
32.81%
Capitol Federal Financial Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Capitol Federal Highlights Earnings, Dividends and Loan Growth
Positive
Apr 29, 2026
For the quarter ended March 31, 2026, Capitol Federal Financial reported total assets of $9.83 billion, stockholders’ equity of $1.03 billion, and net income of $20.1 million, marking a seventh consecutive quarter of net interest income and ...
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.