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Capitol Federal Financial
(NASDAQ:CFFN)
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Rating:64Neutral
Price Target:
$9.50
▲(9.83% Upside)
Action:Reiterated
Date:07/30/26
The score is driven primarily by improving financial performance (rebound in profitability, reduced leverage, and positive free cash flow) and supportive price trends (trading above key moving averages). Valuation is reasonable with a solid dividend yield, and recent corporate updates reinforce improving net interest income and shareholder returns, though historical volatility and limited momentum indicator data cap the upside.
Positive Factors
Net Interest Income
Sustained NII growth and a rising net interest margin strengthen the bank's core earnings engine. Over 2–6 months this improves earnings predictability, funds dividends/repurchases, and provides internal capital for strategic investments without relying on volatile fee or trading income.
Negative Factors
Elevated Leverage
Although leverage has improved, capital ratios remain materially higher than lower‑leverage peers. This structural leverage level leaves the balance sheet more exposed to credit losses or market shocks, constraining flexibility and increasing the need to preserve capital through cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Net Interest Income
Sustained NII growth and a rising net interest margin strengthen the bank's core earnings engine. Over 2–6 months this improves earnings predictability, funds dividends/repurchases, and provides internal capital for strategic investments without relying on volatile fee or trading income.
Read all positive factors
Capitol Federal Financial (CFFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.12B
Dividend Yield4.3%
Average Volume (3M)912.57K
Price to Earnings (P/E)13.6
Beta (1Y)0.83
Revenue Growth7.53%
EPS Growth38.25%
CountryUS
Employees678
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.65
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$9.50Price Target Upside9.83% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.66
Revenue Forecast (FY)$232.52M
Capitol Federal Financial Business Overview & Revenue Model
Company Description
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 a...
How the Company Makes Money
CFFN primarily makes money through net interest income and, secondarily, through noninterest income. Net interest income is generated by earning interest on interest-earning assets—most notably loans (such as residential mortgage loans and other l...
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 | 441.74M | 417.40M | 379.37M | 185.64M | 299.57M | 278.75M |
| Gross Profit | 224.31M | 197.45M | 163.33M | -27.71M | 217.26M | 204.08M |
| EBITDA | 108.07M | 90.74M | 62.81M | -128.85M | 117.94M | 106.98M |
| Net Income | 82.83M | 68.03M | 38.01M | -101.66M | 84.45M | 76.08M |
Balance Sheet | ||||||
| Total Assets | 9.66B | 9.78B | 9.53B | 10.18B | 9.62B | 9.63B |
| Cash, Cash Equivalents and Short-Term Investments | 136.10M | 1.12B | 1.07B | 1.63B | 1.61B | 2.06B |
| Total Debt | 1.64B | 1.95B | 2.18B | 2.38B | 2.13B | 1.58B |
| Total Liabilities | 8.64B | 8.73B | 8.50B | 9.13B | 8.53B | 8.39B |
| Stockholders Equity | 1.02B | 1.05B | 1.03B | 1.04B | 1.10B | 1.24B |
Cash Flow | ||||||
| Free Cash Flow | 55.85M | 49.84M | 24.00M | 41.25M | 91.74M | 65.06M |
| Operating Cash Flow | 60.41M | 55.04M | 31.18M | 47.53M | 97.30M | 74.47M |
| Investing Cash Flow | 22.83M | -206.59M | 629.11M | -329.10M | -167.58M | -326.67M |
| Financing Cash Flow | 72.72M | 186.68M | -688.59M | 477.98M | 49.18M | 82.78M |
Capitol Federal Financial Technical Analysis
Positive
8.65
Price Trends
8.28
Positive
7.83
Positive
7.24
Positive
Market Momentum
0.14
Negative
65.14
Neutral
75.62
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 8.65 is above the 20-day moving average (MA) of 8.59, above the 50-day MA of 8.28, and above the 200-day MA of 7.24, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 65.14 is Neutral, neither overbought nor oversold. The STOCH value of 75.62 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 |
|---|---|---|---|---|---|---|---|
86 Outperform | $1.48B | 13.03 | 14.12% | 1.25% | 9.56% | 12.20% | |
76 Outperform | $1.03B | 12.55 | 14.00% | 2.92% | 5.05% | 39.76% | |
75 Outperform | $1.23B | 14.02 | 7.69% | 3.22% | 17.16% | 47.28% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $1.12B | 13.60 | 8.01% | 4.39% | 7.53% | 38.25% | |
64 Neutral | $1.16B | 21.20 | 6.62% | 1.26% | 5.13% | ― | |
63 Neutral | $1.05B | -6.47 | -20.76% | 3.19% | -72.31% | -366.87% |
* Financial Sector Average
CFFN
Capitol Federal Financial
9.10
3.57
64.50%
CPF
Central Pacific Financial
39.68
13.97
54.36%
HFWA
Heritage Financial
30.01
8.38
38.73%
HBNC
Horizon Bancorp
20.77
6.12
41.79%
AMAL
Amalgamated Bank
49.63
21.27
74.99%
AMTB
Amerant Bancorp
29.67
11.06
59.42%
Capitol Federal Financial Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Capitol Federal Financial Reports Strong Q3 2026 Results
Positive
Jul 29, 2026
Capitol Federal Financial, Inc. reported preliminary third‑quarter fiscal 2026 results on July 29, 2026, showing total assets of $9.66 billion, stockholders’ equity of $1.02 billion and net income of $23.6 million for the quarter ended...
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.