Capitol Federal Financial (CFFN)
NASDAQ:CFFN
Want to see CFFN full AI Analyst Report?
Top Page
Capitol Federal Financial
(NASDAQ:CFFN)
Select Model
Select Model
Rating:67Neutral
Price Target:
$8.50
▲(10.25% Upside)
Action:ReiteratedDate:04/29/26
The score is driven primarily by improving financial performance (rebound in profitability and solid cash generation) but capped by only moderate returns and prior volatility. Technicals add support with a clear uptrend, valuation is favorable with a low P/E and strong yield, and corporate events reinforce positive momentum via margin expansion and shareholder returns.
Positive Factors
Net interest income & margin expansion
Sustained NII and margin expansion over multiple quarters strengthens the bank’s core earnings base, reducing reliance on volatile noninterest items. Durable margin improvement supports predictable interest-driven profitability and cash generation across a 2–6 month horizon and beyond.
Negative Factors
Moderate returns on equity
A ~7% TTM ROE is modest given bank leverage, limiting long-term shareholder return potential. Without sustained margin expansion, efficiency gains, or higher-yield assets, ROE may remain constrained, reducing the company’s ability to organically build equity over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Net interest income & margin expansion
Sustained NII and margin expansion over multiple quarters strengthens the bank’s core earnings base, reducing reliance on volatile noninterest items. Durable margin improvement supports predictable interest-driven profitability and cash generation across a 2–6 month horizon and beyond.
Read all positive factors
Capitol Federal Financial (CFFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$979.67M
Dividend Yield4.73%
Average Volume (3M)912.57K
Price to Earnings (P/E)10.8
Beta (1Y)0.84
Revenue Growth6.92%
EPS Growth43.62%
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 Cap0.66
Enterprise Value/Revenue1.52
Enterprise Value/Gross Profit3.13
Enterprise Value/Ebitda6.71
Forecast
1Y Price Target
$8.00Price Target Upside3.76% Upside
Rating ConsensusHold
Number of Analyst Covering1
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
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
7.71
Price Trends
7.31
Positive
7.05
Positive
6.55
Positive
Market Momentum
0.14
Negative
67.40
Neutral
74.16
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 7.33, above the 50-day MA of 7.31, and above the 200-day MA of 6.55, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 67.40 is Neutral, neither overbought nor oversold. The STOCH value of 74.16 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.21B | 11.49 | 13.37% | 1.70% | 6.23% | 2.16% | |
74 Outperform | $903.60M | 10.73 | 13.43% | 3.39% | 6.06% | 45.81% | |
73 Outperform | $1.12B | 13.27 | 7.58% | 3.91% | 8.28% | 37.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $979.67M | 10.81 | 6.99% | 4.73% | 6.92% | 43.62% | |
64 Neutral | $920.08M | 9.68 | 6.81% | 1.79% | 8.98% | ― | |
63 Neutral | $917.46M | 8.07 | -20.89% | 3.50% | -71.39% | -406.48% |
* Financial Sector Average
CFFN
Capitol Federal Financial
7.68
2.28
42.33%
CPF
Central Pacific Financial
33.28
8.07
32.02%
HFWA
Heritage Financial
27.52
5.40
24.43%
HBNC
Horizon Bancorp
18.10
3.93
27.69%
AMAL
Amalgamated Bank
40.37
12.38
44.21%
AMTB
Amerant Bancorp
22.87
6.32
38.17%
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 ...
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...
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.