(CFFN) Capitol Federal Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 968m USD | Total Return: 45.6% in 12m
Avg Turnover: 6.50M
EPS Trend: -20.2%
Qual. Beats: 0
Rev. Trend: 68.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Capitol Federal Financial, Inc. (CFFN) serves as the holding company for Capitol Federal Savings Bank, a retail-focused institution headquartered in Topeka, Kansas. Established in 1893, the company manages a traditional banking model centered on gathering consumer deposits-including savings, money market, and checking accounts-to fund a diverse lending portfolio. Its primary credit activities involve one- to four-family residential real estate loans, commercial real estate, and consumer lines of credit.
Operating within the Regional Banks sub-industry, the company relies heavily on the interest rate spread between its deposit liabilities and long-term mortgage assets. Unlike larger diversified financial institutions, regional banks of this type often maintain a high concentration of mortgage-backed securities and local real estate debt, making them sensitive to regional economic shifts and national monetary policy. Investors can evaluate these specific risk factors and valuation metrics further on ValueRay.
The company complements its physical branch network with digital infrastructure, including mobile and online banking, bill payment services, and a dedicated call center. This hybrid service model allows the bank to maintain its historical footprint in Kansas while offering modern liquidity management tools to its retail and commercial clients.
- Mortgage interest rate fluctuations dictate residential lending volume and net interest margin
- Federal Reserve monetary policy shifts impact cost of retail deposit funding
- Concentration in Kansas real estate market creates regional economic sensitivity
- Asset quality and delinquency rates in one-to-four family residential loan portfolios
- Dividend sustainability and capital return programs influence investor valuation levels
| Net Income: 77.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.36 > 1.0 |
| NWC/Revenue: -36.56% < 20% (prev -1.26k%; Δ 1.22k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 72.8m > Net Income 77.6m |
| Net Debt (1.69b) to EBITDA (98.8m): 17.12 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (126.6m) vs 12m ago -2.61% < -2% |
| Gross Margin: 49.33% > 18% (prev 0.45%; Δ 4.89k% > 0.5%) |
| Asset Turnover: 4.44% > 50% (prev 4.16%; Δ 0.29% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBITDA TTM 98.8m / Interest Expense TTM 216.4m) |
| A: -0.02 (Total Current Assets 16.3m - Total Current Liabilities 175.0m) / Total Assets 9.83b |
| B: -0.01 (Retained Earnings -73.8m / Total Assets 9.83b) |
| C: 0.01 (EBIT TTM 95.0m / Avg Total Assets 9.77b) |
| D: -0.01 (Book Value of Equity -61.0m / Total Liabilities 8.80b) |
| Altman-Z'' = -0.07 = B |
| DSRI: 5.40k (Receivables 8.11b/1.40m, Revenue 434.2m/404.0m) |
| GMI: 0.91 (GM 49.33% / 45.06%) |
| AQI: 1.15 (AQ_t 0.99 / AQ_t-1 0.86) |
| SGI: 1.07 (Revenue 434.2m / 404.0m) |
| TATA: 0.00 (NI 77.6m - CFO 72.8m) / TA 9.83b) |
| Beneish M = 4.44k (Cap -4..+1) = D |
As of May 24, 2026, the stock is trading at USD 7.79 with a total of 701,781 shares traded.
Over the past week, the price has changed by +3.06%,
over one month by +2.44%,
over three months by +8.09% and
over the past year by +45.62%.
Capitol Federal Financial has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold CFFN.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 8.3 | 5.9% |
P/E Forward = 20.4499
P/S = 4.4743
P/B = 0.9241
P/EG = 4.0875
Revenue TTM = 434.2m USD
EBIT TTM = 95.0m USD
EBITDA TTM = 98.8m USD
Long Term Debt = 1.71b USD (from longTermDebt, last quarter)
Short Term Debt = 175.0m USD (from shortTermDebt, last quarter)
Debt = 1.71b USD (from shortLongTermDebtTotal, last quarter) + Leases 1.06m
Net Debt = 1.69b USD (calculated: Debt 1.71b - CCE 16.3m)
Enterprise Value = 2.66b USD (967.8m + Debt 1.71b - CCE 16.3m)
Interest Coverage Ratio = 0.44 (Ebit TTM 95.0m / Interest Expense TTM 216.4m)
EV/FCF = 39.93x (Enterprise Value 2.66b / FCF TTM 66.6m)
FCF Yield = 2.50% (FCF TTM 66.6m / Enterprise Value 2.66b)
FCF Margin = 15.34% (FCF TTM 66.6m / Revenue TTM 434.2m)
Net Margin = 17.88% (Net Income TTM 77.6m / Revenue TTM 434.2m)
Gross Margin = 49.33% ((Revenue TTM 434.2m - Cost of Revenue TTM 220.0m) / Revenue TTM)
Gross Margin QoQ = 50.31% (prev 49.64%)
Tobins Q-Ratio = 0.27 (Enterprise Value 2.66b / Total Assets 9.83b)
Interest Expense / Debt = 12.67% (Interest Expense 216.4m / Debt 1.71b)
Taxrate = 19.66% (4.93m / 25.1m)
NOPAT = 76.3m (EBIT 95.0m * (1 - 19.66%))
Current Ratio = 0.09 (Total Current Assets 16.3m / Total Current Liabilities 175.0m)
Debt / Equity = 1.67 (Debt 1.71b / totalStockholderEquity, last quarter 1.03b)
Debt / EBITDA = 17.12 (Net Debt 1.69b / EBITDA 98.8m)
Debt / FCF = 25.40 (Net Debt 1.69b / FCF TTM 66.6m)
Total Stockholder Equity = 1.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.79% (Net Income 77.6m / Total Assets 9.83b)
RoE = 6.97% (Net Income TTM 77.6m / Total Stockholder Equity 1.11b)
RoCE = 3.37% (EBIT 95.0m / Capital Employed (Equity 1.11b + L.T.Debt 1.71b))
RoIC = 0.78% (NOPAT 76.3m / Invested Capital 9.81b)
WACC = 9.51% (E(967.8m)/V(2.68b) * Re(8.34%) + D(1.71b)/V(2.68b) * Rd(12.67%) * (1-Tc(0.20)))
Discount Rate = 8.34% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -41.40 | Cagr: -1.95%
[DCF] Terminal Value 74.29% ; FCFF base≈52.3m ; Y1≈59.9m ; Y5≈88.2m
[DCF] Fair Price = N/A (negative equity: EV 1.10b - Net Debt 1.69b = -590.7m; debt exceeds intrinsic value)
EPS Correlation: -20.17 | EPS CAGR: -4.87% | SUE: 0.0 | # QB: 0
Revenue Correlation: 68.16 | Revenue CAGR: 36.19% | SUE: 0.71 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.17 | Chg30d=+3.03% | Revisions=+20% | Analysts=2
EPS current Year (2026-09-30): EPS=0.66 | Chg30d=+3.13% | Revisions=+33% | GrowthEPS=+26.9% | GrowthRev=+15.9%
EPS next Year (2027-09-30): EPS=0.73 | Chg30d=+1.38% | Revisions=N/A | GrowthEPS=+11.4% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: +33%