CFFN Stock Analysis: Capitol Federal Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.068m USD | 12M Return: 42.5% | US14057J1016 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.53M
EPS Trend: 96.9%
Qual. Beats: 1
Rev. Trend: 85.9%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Capitol Federal Financial, Inc. (NASDAQ: CFFN) is a Topeka, Kansas-based bank holding company founded in 1893 that operates 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 lending portfolio covering one- to four-family residential real estate, commercial real estate, commercial and industrial, construction, and consumer loans such as home equity lines, home improvement, vehicle, and savings-secured loans. The company supplements its core banking franchise with mobile, telephone, and online banking channels, bill payment, a call center, mortgage lending, and an investment portfolio of securities and mortgage-backed securities.
As a savings bank holding company classified under the Financials sector and Regional Banks sub-industry, Capitol Federals business model is anchored in traditional community banking, with a notable concentration in residential mortgage lending-a typical characteristic of the thrift industry, which historically benefited from a more favorable regulatory framework under the former Office of Thrift Supervision.
- Net interest margin compresses as deposit costs outpace asset yields
- Mortgage origination volume softens amid housing affordability headwinds
- Special dividend payouts continue as capital exceeds regulatory requirements
| Net Income: 82.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.53 > 1.0 |
| NWC/Revenue: 1.88k% < 20% (prev -1.29k%; Δ 3.17k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 77.8m > Net Income 82.8m |
| Net Debt (1.50b) to EBITDA (109.9m): 13.66 < 3 |
| Current Ratio: 66.42 > 1.5 & < 3 |
| Outstanding Shares: last quarter (124.0m) vs 12m ago -4.63% < -2% |
| Gross Margin: 49.92% > 18% (prev 46.35%; Δ 3.57% > 0.5%) |
| Asset Turnover: 4.50% > 50% (prev 4.22%; Δ 0.27% > 0%) |
| Interest Coverage Ratio: 0.48 > 6 (EBIT TTM 102.6m / Interest Expense TTM 213.9m) |
| A: 0.85 (Total Current Assets 8.30b - Total Current Liabilities 125.0m) / Total Assets 9.66b |
| B: -0.01 (Retained Earnings -60.8m / Total Assets 9.66b) |
| C: 0.01 (EBIT TTM 102.6m / Avg Total Assets 9.68b) |
| D: 0.12 (Book Value of Equity 1.02b / Total Liabilities 8.64b) |
| Altman-Z'' = 5.73 = AAA |
| DSRI: 3.0 (Receivables 8.17b/1.07m, Revenue 435.1m/409.3m) |
| GMI: 0.93 (GM 46.35% / 49.92%) |
| AQI: 0.15 (AQ_t 0.13 / AQ_t-1 0.87) |
| SGI: 1.06 (Revenue 435.1m / 409.3m) |
| TATA: 0.00 (NI 82.8m - CFO 77.8m) / TA 9.66b) |
| Beneish M = -1.90 (Cap -4..+1) = B |
As of September 03, 2026, the stock is trading at USD 8.69 with a total of 784,950 shares traded. Over the past week, the price has changed by +0.35%, over one month by -3.59%, over three months by +11.61% and over the past year by +42.51%.
Current recommended Stop Loss: 8.20 (which is 5.6% or 3.1 ATR below the current price).
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 | 9.5 | 9.3% |
P/E Trailing = 13.3231
P/E Forward = 20.4499
P/S = 4.734
P/B = 1.0437
P/EG = 4.0875
Revenue TTM = 435.1m USD
EBIT TTM = 102.6m USD
EBITDA TTM = 109.9m USD
Long Term Debt = 1.64b USD (from longTermDebt, last quarter)
Short Term Debt = 125.0m USD (from shortTermDebt, last quarter)
Debt = 1.64b USD (from shortLongTermDebtTotal, last quarter) + Leases 1.06m
Net Debt = 1.50b USD (calculated: Debt 1.64b - CCE 136.1m)
Enterprise Value = 2.57b USD (1.07b + Debt 1.64b - CCE 136.1m)
Interest Coverage Ratio = 0.48 (Ebit TTM 102.6m / Interest Expense TTM 213.9m)
EV/FCF = 33.72x (Enterprise Value 2.57b / FCF TTM 76.2m)
FCF Yield = 2.97% (FCF TTM 76.2m / Enterprise Value 2.57b)
FCF Margin = 17.51% (FCF TTM 76.2m / Revenue TTM 435.1m)
Net Margin = 19.04% (Net Income TTM 82.8m / Revenue TTM 435.1m)
Gross Margin = 49.92% ((Revenue TTM 435.1m - Cost of Revenue TTM 217.9m) / Revenue TTM)
Gross Margin QoQ = 50.88% (prev 50.31%)
Tobins Q-Ratio = 0.27 (Enterprise Value 2.57b / Total Assets 9.66b)
Interest Expense / Debt = 13.06% (Interest Expense 213.9m / Debt 1.64b)
Taxrate = 19.24% (19.7m / 102.6m)
NOPAT = 82.8m (EBIT 102.6m * (1 - 19.24%))
Current Ratio = 66.42 (Total Current Assets 8.30b / Total Current Liabilities 125.0m)
Debt / Equity = 1.60 (Debt 1.64b / totalStockholderEquity, last quarter 1.02b)
Debt / EBITDA = 13.66 (Net Debt 1.50b / EBITDA 109.9m)
Debt / FCF = 19.70 (Net Debt 1.50b / FCF TTM 76.2m)
Total Stockholder Equity = 1.03b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.86% (Net Income 82.8m / Total Assets 9.66b)
RoE = 8.01% (Net Income TTM 82.8m / Total Stockholder Equity 1.03b)
RoCE = 3.84% (EBIT 102.6m / Capital Employed (Equity 1.03b + L.T.Debt 1.64b))
RoIC = 0.86% (NOPAT 82.8m / Invested Capital 9.64b)
WACC = 9.47% (E(1.07b)/V(2.71b) * Re(7.81%) + D(1.64b)/V(2.71b) * Rd(13.06%) * (1-Tc(0.19)))
Discount Rate = 7.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -76.26 | Cagr: -2.25%
[DCF] Terminal Value 74.44% ; FCFF base≈55.8m ; Y1≈63.9m ; Y5≈94.1m
[DCF] Fair Price = N/A (negative equity: EV 1.18b - Net Debt 1.50b = -318.5m; debt exceeds intrinsic value)
EPS Correlation: 96.85 | EPS CAGR: 33.60% | SUE: 1.04 | # QB: 1
Revenue Correlation: 85.94 | Revenue CAGR: 48.87% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-12-31): EPS=0.19 | Chg30d=+5.56% | Revisions=+40% | Analysts=3
EPS current Year (2026-09-30): EPS=0.69 | Chg30d=+3.79% | Revisions=+0% | GrowthEPS=+31.7% | GrowthRev=+17.1%
EPS next Year (2027-09-30): EPS=0.78 | Chg30d=+7.64% | Revisions=+0% | GrowthEPS=+13.1% | GrowthRev=+6.6%
[Analyst] Revisions Ratio: +40% (up=2, down=0)