(CFFN) Capitol Federal Financial - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US14057J1016

Savings, Checking, Mortgages, Home Equity, Online Banking

Stock: Regional Banks
Age 26.8y

MCap 881m
Avg Vol 860K (5.96M USD)

Beta 0.750
Volatility 30.85%

EPS (Earnings per Share)

EPS CAGR: -3.50%
EPS Trend: -18.1%

Last SUE: 0.00
Qual. Beats: 0

Revenue

Rev. CAGR: 13.78%
Rev. Trend: 7.6%

Last SUE: 3.65
Qual. Beats: 13

Dividends

Dividend Yield	6.33%
Yield on Cost 5y	4.08%
Yield CAGR 5y	-22.86%
Payout Consistency	92.1%
Payout Ratio	56.7%

Risk via 5d forecast
Volatility	30.9%
Value at Risk 5%th	44.2%
Relative Tail Risk	-12.80%

Reward TTM
Sharpe Ratio	0.96
Alpha	17.24
CAGR/Max DD	0.01

Character TTM
Hurst Exponent	0.461
Beta	0.750
Beta Downside	0.754

Drawdowns 3y
Max DD	50.32%
Mean DD	25.08%
Median DD	25.88%

Description: CFFN Capitol Federal Financial December 01, 2025

Capitol Federal Financial, Inc. (NASDAQ:CFFN) is the holding company for Capitol Federal Savings Bank, a community-focused regional bank that offers a full suite of deposit and loan products-including savings, money-market, checking, CDs, residential and commercial mortgages, home-equity lines, and consumer loans-across several Kansas metro areas and the greater Kansas City market.

Key performance indicators that investors watch for CFFN include a net interest margin (NIM) of roughly 3.5% (Q3 2024), a loan-to-deposit ratio near 78%, and a modest 5-year average return on equity (ROE) of about 9%. The bank’s earnings are highly sensitive to the Federal Reserve’s rate policy, regional housing market health, and Kansas’s agricultural sector, which together drive loan demand and credit quality in its core markets.

For a deeper, data-driven look at CFFN’s valuation and risk profile, the ValueRay analysis provides a concise, decision-ready overview.

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (68.0m TTM) > 0 and > 6% of Revenue (6% = 25.0m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.26pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 424.8% (prev -1333 %; Δ 1758 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 55.0m <= Net Income 68.0m (YES >=105%, WARN >=100%)

Net Debt (1.70b) to EBITDA (90.7m) ratio: 18.72 <= 3.0 (WARN <= 3.5)

Current Ratio 1.27 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (130.0m) change vs 12m ago 0.08% (target <= -2.0% for YES)

Gross Margin 47.30% (prev 43.05%; Δ 4.25pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.32% (prev 3.98%; Δ 0.34pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.38 (EBITDA TTM 90.7m / Interest Expense TTM 219.2m) >= 6 (WARN >= 3)

Altman Z'' 1.21

(A) 0.18 = (Total Current Assets 8.36b - Total Current Liabilities 6.59b) / Total Assets 9.78b

(B) -0.01 = Retained Earnings (Balance) -87.3m / Total Assets 9.78b

(D) -0.01 = Book Value of Equity -70.3m / Total Liabilities 8.73b

Total Rating: 1.21 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 47.48

1. Piotroski 2.50pt

2. FCF Yield 1.93%

3. FCF Margin 11.94%

4. Debt/Equity 1.86

5. Debt/Ebitda 18.72

6. ROIC - WACC (= -2.12)%

7. RoE 6.54%

8. Rev. Trend 7.55%

9. EPS Trend -18.13%

What is the price of CFFN shares?

As of January 22, 2026, the stock is trading at USD 7.00 with a total of 1,051,195 shares traded.
Over the past week, the price has changed by +4.48%, over one month by -0.82%, over three months by +13.86% and over the past year by +30.29%.

Is CFFN a buy, sell or hold?

Capitol Federal Financial has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold CFFN.

Strong Buy: 0
Buy: 0
Hold: 2
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the CFFN price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	7	0%
Analysts Target Price	7	0%
ValueRay Target Price	8.2	16.7%

CFFN Fundamental Data Overview January 19, 2026

P/E Trailing = 12.8846
P/S = 4.3968
P/B = 0.8406
P/EG = 4.66
Revenue TTM = 417.4m USD
EBIT TTM = 83.0m USD
EBITDA TTM = 90.7m USD
Long Term Debt = 1.95b USD (from longTermDebt, last quarter)
Short Term Debt = 425.0m USD (from shortTermDebt, last quarter)
Debt = 1.95b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.70b USD (from netDebt column, last quarter)
Enterprise Value = 2.58b USD (880.6m + Debt 1.95b - CCE 248.7m)
Interest Coverage Ratio = 0.38 (Ebit TTM 83.0m / Interest Expense TTM 219.2m)
EV/FCF = 51.82x (Enterprise Value 2.58b / FCF TTM 49.8m)
FCF Yield = 1.93% (FCF TTM 49.8m / Enterprise Value 2.58b)
FCF Margin = 11.94% (FCF TTM 49.8m / Revenue TTM 417.4m)
Net Margin = 16.30% (Net Income TTM 68.0m / Revenue TTM 417.4m)
Gross Margin = 47.30% ((Revenue TTM 417.4m - Cost of Revenue TTM 220.0m) / Revenue TTM)
Gross Margin QoQ = 48.91% (prev 48.42%)
Tobins Q-Ratio = 0.26 (Enterprise Value 2.58b / Total Assets 9.78b)
Interest Expense / Debt = 2.83% (Interest Expense 55.3m / Debt 1.95b)
Taxrate = 18.34% (4.22m / 23.0m)
NOPAT = 67.8m (EBIT 83.0m * (1 - 18.34%))
Current Ratio = 1.27 (Total Current Assets 8.36b / Total Current Liabilities 6.59b)
Debt / Equity = 1.86 (Debt 1.95b / totalStockholderEquity, last quarter 1.05b)
Debt / EBITDA = 18.72 (Net Debt 1.70b / EBITDA 90.7m)
Debt / FCF = 34.08 (Net Debt 1.70b / FCF TTM 49.8m)
Total Stockholder Equity = 1.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.70% (Net Income 68.0m / Total Assets 9.78b)
RoE = 6.54% (Net Income TTM 68.0m / Total Stockholder Equity 1.04b)
RoCE = 2.78% (EBIT 83.0m / Capital Employed (Equity 1.04b + L.T.Debt 1.95b))
RoIC = 2.17% (NOPAT 67.8m / Invested Capital 3.12b)
WACC = 4.29% (E(880.6m)/V(2.83b) * Re(8.68%) + D(1.95b)/V(2.83b) * Rd(2.83%) * (1-Tc(0.18)))
Discount Rate = 8.68% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.88%
[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 1.70b = -1.14b; debt exceeds intrinsic value)
EPS Correlation: -18.13 | EPS CAGR: -3.50% | SUE: 0.0 | # QB: 0
Revenue Correlation: 7.55 | Revenue CAGR: 13.78% | SUE: 3.65 | # QB: 13
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%

Additional Sources for CFFN Stock

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