CFFN Stock Analysis: Capitol Federal Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.058m USD | 12M Return: 44.6% | US14057J1016 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.14M
EPS Trend: 99.1%
Qual. Beats: -1
Rev. Trend: 81.6%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Capitol Federal Financial, Inc. (NASDAQ: CFFN) is the holding company for Capitol Federal Savings Bank, a U.S. retail bank offering a full suite of deposit products-including savings, money market, checking, certificates of deposit, and retirement accounts-alongside a diversified loan portfolio spanning one- to four-family residential real estate, commercial real estate, commercial and industrial, construction, and consumer loans such as home equity, home improvement, vehicle, and savings-secured loans. The bank also delivers mobile, telephone, and online banking, bill payment, and mortgage services, operates a call center, and invests in securities and mortgage-backed securities.
Founded in 1893 and headquartered in Topeka, Kansas, Capitol Federal operates as a traditional savings institution within the regional banking segment of the financials sector. As a thrift charter holder, its business model has historically emphasized residential mortgage lending and conservative balance sheet management, with mortgage-backed securities serving as a primary investment vehicle to supplement core loan and deposit activities.
- Net interest margin compresses as Fed cuts rates
- Mortgage origination volume declines amid higher rates
- Mortgage-backed securities portfolio faces unrealized losses
| Net Income: 86.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.48 > 1.0 |
| NWC/Revenue: -1.41k% < 20% (prev -1.31k%; Δ -96.48% < -1%) |
| CFO/TA 0.01 > 3% & CFO 77.8m > Net Income 86.4m |
| Net Debt (877.2m) to EBITDA (108.3m): 8.10 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (122.7m) vs 12m ago -5.61% < -2% |
| Gross Margin: 51.27% > 18% (prev 47.30%; Δ 3.97% > 0.5%) |
| Asset Turnover: 4.50% > 50% (prev 4.27%; Δ 0.24% > 0%) |
| Interest Coverage Ratio: 0.48 > 6 (EBIT TTM 101.0m / Interest Expense TTM 210.0m) |
| A: -0.64 (Total Current Assets 885.1m - Total Current Liabilities 7.05b) / Total Assets 9.67b |
| B: -0.01 (Retained Earnings -48.9m / Total Assets 9.67b) |
| C: 0.01 (EBIT TTM 101.0m / Avg Total Assets 9.73b) |
| D: 0.12 (Book Value of Equity 1.01b / Total Liabilities 8.67b) |
| Altman-Z'' = -4.01 = D |
As of November 11, 2026, the stock is trading at USD 8.60 with a total of 709,530 shares traded. Over the past week, the price has changed by +1.36%, over one month by +3.54%, over three months by -0.95% and over the past year by +44.57%.
Current recommended Stop Loss: 8.20 (which is 4.7% or 1.8 ATR below the current price).
Capitol Federal Financial has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold CFFN.
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 9.5 | 10.5% |
P/E Trailing = 12.791
P/E Forward = 20.4499
P/S = 4.5492
P/B = 1.034
P/EG = 4.0875
Revenue TTM = 438.2m USD
EBIT TTM = 101.0m USD
EBITDA TTM = 108.3m USD
Long Term Debt = 1.64b USD (from longTermDebt, two quarters ago)
Short Term Debt = 125.0m USD (from shortTermDebt, last quarter)
Debt = 1.76b USD (corrected: LT Debt 1.64b + ST Debt 125.0m) + Leases 1.06m
Net Debt = 877.2m USD (calculated: Debt 1.76b - CCE 885.1m)
Enterprise Value = 1.93b USD (1.06b + Debt 1.76b - CCE 885.1m)
Interest Coverage Ratio = 0.48 (Ebit TTM 101.0m / Interest Expense TTM 210.0m)
EV/FCF = 27.05x (Enterprise Value 1.93b / FCF TTM 71.5m)
FCF Yield = 3.70% (FCF TTM 71.5m / Enterprise Value 1.93b)
FCF Margin = 16.32% (FCF TTM 71.5m / Revenue TTM 438.2m)
Net Margin = 19.72% (Net Income TTM 86.4m / Revenue TTM 438.2m)
Gross Margin = 51.27% ((Revenue TTM 438.2m - Cost of Revenue TTM 213.5m) / Revenue TTM)
Gross Margin QoQ = 54.20% (prev 50.88%)
Tobins Q-Ratio = 0.20 (Enterprise Value 1.93b / Total Assets 9.67b)
Interest Expense / Debt = 11.92% (Interest Expense 210.0m / Debt 1.76b)
Taxrate = 19.75% (21.3m / 107.7m)
NOPAT = 81.0m (EBIT 101.0m * (1 - 19.75%))
Current Ratio = 0.13 (Total Current Assets 885.1m / Total Current Liabilities 7.05b)
Debt / Equity = 1.75 (Debt 1.76b / totalStockholderEquity, last quarter 1.01b)
Debt / EBITDA = 8.10 (Net Debt 877.2m / EBITDA 108.3m)
Debt / FCF = 12.26 (Net Debt 877.2m / FCF TTM 71.5m)
Total Stockholder Equity = 1.02b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 86.4m / Total Assets 9.67b)
RoE = 8.44% (Net Income TTM 86.4m / Total Stockholder Equity 1.02b)
RoCE = 3.80% (EBIT 101.0m / Capital Employed (Equity 1.02b + L.T.Debt 1.64b))
RoIC = 2.97% (NOPAT 81.0m / Invested Capital 2.73b)
WACC = 8.70% (E(1.06b)/V(2.82b) * Re(7.26%) + D(1.76b)/V(2.82b) * Rd(11.92%) * (1-Tc(0.20)))
Discount Rate = 7.26% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -82.95 | Cagr: -2.48%
[DCF] Terminal Value 76.84% ; FCFF base≈53.0m ; Y1≈60.7m ; Y5≈89.3m
[DCF] Fair Price = 3.16 (EV 1.27b - Net Debt 877.2m = Equity 389.5m / Shares 123.4m; r=8.70% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.14 | EPS CAGR: 37.87% | SUE: -1.20 | # QB: -1
Revenue Correlation: 81.62 | Revenue CAGR: 42.79% | SUE: 2.77 | # QB: 1
EPS current Quarter (2026-12-31): EPS=0.18 | Chg30d=-5.26% | Revisions=+40% | Analysts=2
EPS next Quarter (2027-03-31): EPS=0.18 | Chg30d=-2.63% | Revisions=+25% | Analysts=2
EPS current Year (2027-09-30): EPS=0.77 | Chg30d=-0.65% | Revisions=+0% | GrowthEPS=+11.6% | GrowthRev=+9.0%
EPS next Year (2028-09-30): EPS=0.86 | Chg30d=-2.27% | Revisions=+0% | GrowthEPS=+11.7% | GrowthRev=+6.1%
[Analyst] Revisions Ratio: +50% (up=3, down=0)