(CFFN) Capitol Federal Financial - Overview
Stock: Deposits, Loans, Mortgages, Mobile Banking, Securities
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 7.51% |
| Yield on Cost 5y | 4.27% |
| Yield CAGR 5y | -22.86% |
| Payout Consistency | 92.1% |
| Payout Ratio | 44.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.0% |
| Relative Tail Risk | -12.4% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.02 |
| Alpha | 20.99 |
| Character TTM | |
|---|---|
| Beta | 0.773 |
| Beta Downside | 0.787 |
| Drawdowns 3y | |
|---|---|
| Max DD | 49.11% |
| CAGR/Max DD | 0.05 |
Description: CFFN Capitol Federal Financial January 26, 2026
Capitol Federal Financial, Inc. (NASDAQ:CFFN) is the holding company for Capitol Federal Savings Bank, a regional bank headquartered in Topeka, Kansas, that offers a full suite of retail banking products-including deposit accounts, a variety of consumer and commercial loan products, and digital banking services-while also holding a portfolio of securities and mortgage-backed assets.
As of the latest quarterly filing (Q4 2025), CFFN reported a net interest margin of 3.45 % (up 5 bps YoY), total loans of $7.2 billion (4.2 % growth YoY), and a loan-to-deposit ratio of 78 %, indicating a balanced funding profile. The bank’s return on assets (ROA) stood at 0.92 % and earnings per share (EPS) were $0.58, both modestly above the regional-bank median of 0.85 % ROA and $0.54 EPS.
Key drivers for CFFN’s near-term performance include the Federal Reserve’s policy stance-higher rates have boosted net interest income but also pressure residential loan demand-and regional housing market dynamics in the Midwest, where home-price appreciation has slowed to 2.1 % YoY, tempering new mortgage origination. Commercial real-estate exposure remains a risk factor, with delinquency rates in the sector rising to 2.8 % (versus 2.3 % a year earlier). Assuming rates stay near current levels, the bank’s net interest income should remain stable, but a rapid rate cut could compress margins.
For a deeper quantitative breakdown, see the ValueRay model.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income: 72.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.26 > 1.0 |
| NWC/Revenue: 1969 % < 20% (prev -1297 %; Δ 3266 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 55.0m > Net Income 72.9m |
| Net Debt (1.83b) to EBITDA (94.9m): 19.29 < 3 |
| Current Ratio: 35.5k > 1.5 & < 3 |
| Outstanding Shares: last quarter (129.0m) vs 12m ago -0.78% < -2% |
| Gross Margin: 48.57% > 18% (prev 0.45%; Δ 4813 % > 0.5%) |
| Asset Turnover: 4.42% > 50% (prev 4.18%; Δ 0.24% > 0%) |
| Interest Coverage Ratio: 0.29 > 6 (EBITDA TTM 94.9m / Interest Expense TTM 218.5m) |
Altman Z'' 5.65
| A: 0.86 (Total Current Assets 8.41b - Total Current Liabilities 237.0k) / Total Assets 9.78b |
| B: -0.01 (Retained Earnings -78.0m / Total Assets 9.78b) |
| C: 0.01 (EBIT TTM 63.9m / Avg Total Assets 9.66b) |
| D: -0.01 (Book Value of Equity -60.5m / Total Liabilities 8.74b) |
| Altman-Z'' Score: 5.65 = AAA |
Beneish M 1.00
| DSRI: 9057 (Receivables 8.18b/843.0k, Revenue 427.1m/398.8m) |
| GMI: 0.92 (GM 48.57% / 44.87%) |
| AQI: 0.15 (AQ_t 0.13 / AQ_t-1 0.88) |
| SGI: 1.07 (Revenue 427.1m / 398.8m) |
| TATA: 0.00 (NI 72.9m - CFO 55.0m) / TA 9.78b) |
| Beneish M-Score: 7449 (Cap -4..+1) = D |
What is the price of CFFN shares?
Over the past week, the price has changed by +5.64%, over one month by +15.30%, over three months by +26.10% and over the past year by +32.50%.
Is CFFN a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CFFN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 7 | -7.9% |
| Analysts Target Price | 7 | -7.9% |
| ValueRay Target Price | 9 | 17.8% |
CFFN Fundamental Data Overview February 01, 2026
P/S = 4.5623
P/B = 0.8896
P/EG = 4.66
Revenue TTM = 427.1m USD
EBIT TTM = 63.9m USD
EBITDA TTM = 94.9m USD
Long Term Debt = 1.95b USD (from longTermDebt, last fiscal year)
Short Term Debt = 275.0m USD (from shortTermDebt, last quarter)
Debt = 1.83b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.83b USD (from netDebt column, last quarter)
Enterprise Value = 2.55b USD (956.9m + Debt 1.83b - CCE 232.6m)
Interest Coverage Ratio = 0.29 (Ebit TTM 63.9m / Interest Expense TTM 218.5m)
EV/FCF = 51.25x (Enterprise Value 2.55b / FCF TTM 49.8m)
FCF Yield = 1.95% (FCF TTM 49.8m / Enterprise Value 2.55b)
FCF Margin = 11.67% (FCF TTM 49.8m / Revenue TTM 427.1m)
Net Margin = 17.07% (Net Income TTM 72.9m / Revenue TTM 427.1m)
Gross Margin = 48.57% ((Revenue TTM 427.1m - Cost of Revenue TTM 219.7m) / Revenue TTM)
Gross Margin QoQ = 49.96% (prev 48.91%)
Tobins Q-Ratio = 0.26 (Enterprise Value 2.55b / Total Assets 9.78b)
Interest Expense / Debt = 2.99% (Interest Expense 54.7m / Debt 1.83b)
Taxrate = 19.47% (4.91m / 25.2m)
NOPAT = 51.5m (EBIT 63.9m * (1 - 19.47%))
Current Ratio = 35.5k (out of range, set to none) (Total Current Assets 8.41b / Total Current Liabilities 237.0k)
Debt / Equity = 1.76 (Debt 1.83b / totalStockholderEquity, last quarter 1.04b)
Debt / EBITDA = 19.29 (Net Debt 1.83b / EBITDA 94.9m)
Debt / FCF = 36.72 (Net Debt 1.83b / FCF TTM 49.8m)
Total Stockholder Equity = 1.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.75% (Net Income 72.9m / Total Assets 9.78b)
RoE = 6.99% (Net Income TTM 72.9m / Total Stockholder Equity 1.04b)
RoCE = 2.14% (EBIT 63.9m / Capital Employed (Equity 1.04b + L.T.Debt 1.95b))
RoIC = 1.66% (NOPAT 51.5m / Invested Capital 3.10b)
WACC = 4.59% (E(956.9m)/V(2.79b) * Re(8.76%) + D(1.83b)/V(2.79b) * Rd(2.99%) * (1-Tc(0.19)))
Discount Rate = 8.76% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.29%
[DCF Debug] Terminal Value 83.00% ; FCFF base≈39.5m ; Y1≈29.9m ; Y5≈18.1m
Fair Price DCF = N/A (negative equity: EV 561.0m - Net Debt 1.83b = -1.27b; debt exceeds intrinsic value)
EPS Correlation: -5.66 | EPS CAGR: 0.0% | SUE: 1.32 | # QB: 1
Revenue Correlation: 12.53 | Revenue CAGR: 13.67% | SUE: 0.73 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.15 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS current Year (2026-09-30): EPS=0.64 | Chg30d=+0.035 | Revisions Net=+2 | Growth EPS=+22.1% | Growth Revenue=+13.0%
EPS next Year (2027-09-30): EPS=0.70 | Chg30d=+0.050 | Revisions Net=+0 | Growth EPS=+10.2% | Growth Revenue=+4.1%