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CFFN Stock Chart & Stats
$7.71
-$0.01(-0.26%)
At close: 4:00 PM EST
$7.71
-$0.01(-0.26%)
Day’s Range― - ―
52-Week Range$5.71 - $8.84
Previous CloseN/A
Volume134.33K
Average Volume (3M)912.57K
Market Cap
$1.09B
Enterprise Value$2.59K
Total Cash (Recent Filing)$1.14B
Total Debt (Recent Filing)$1.71B
Price to Earnings (P/E)14.4
Beta0.78
Next Earnings
Jul 29, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend Yield4.73%
Share Statistics
EPS (TTM)0.60
Shares Outstanding126,769,830
10 Day Avg. Volume1,314,560
30 Day Avg. Volume912,571
Financial Highlights & Ratios
PEG Ratio0.15
Price to Book (P/B)0.79
Price to Sales (P/S)1.98
P/FCF Ratio16.57
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$8.83Price Target Upside14.57% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.66
Revenue Forecast (FY)$233.06M
Bulls Say, Bears Say
Bulls Say
Net Interest Margin ExpansionSustained margin expansion across seven quarters signals structural improvement in core lending economics. Higher and stable NIM bolsters recurring net interest income, improves earnings durability, and increases the bank's capacity to absorb credit costs while funding dividends and buybacks over the medium term.
Commercial Loan & Deposit GrowthA strategic shift toward full-service commercial banking diversifies revenue away from residential mortgage concentration. Faster-growing commercial loans and deposits strengthen core funding, improve loan mix resiliency, and can raise fee and noninterest income over time, supporting steadier NII.
Improving Cash Generation & Capital ReturnsPositive and strengthening free cash flow aligned with net income provides durable internal funding for dividends and buybacks. Consistent cash generation enhances financial flexibility, supports shareholder returns, and reduces reliance on external financing for capital allocation.
Bears Say
Historical Earnings VolatilityPrior years show sharp swings including a 2023 loss, indicating earnings are cyclical and less predictable. Such volatility complicates capital planning and makes sustained dividend/buyback policies riskier during credit stress or rate shocks, limiting long-term reliability.
Meaningful Leverage RemainsAlthough leverage has trended down, a debt-to-equity ratio near 1.66x keeps the balance sheet more sensitive to credit losses and market stress than lower-leverage peers. Elevated leverage constrains capital buffers and reduces flexibility for organic growth or large loss absorption.
Revenue Concentration In Net Interest IncomeHeavy reliance on net interest margin makes profitability sensitive to interest rate shifts, loan/deposit mix, and margin compression. Limited noninterest income diversification means fee cushions are modest, so structural reliance on NII raises medium-term earnings risk.
Capitol Federal Financial News
CFFN FAQ
What was Capitol Federal Financial’s price range in the past 12 months?
Capitol Federal Financial lowest stock price was $5.71 and its highest was $8.84 in the past 12 months.
What is Capitol Federal Financial’s market cap?
Capitol Federal Financial’s market cap is $1.09B.
When is Capitol Federal Financial’s upcoming earnings report date?
Capitol Federal Financial’s upcoming earnings report date is Jul 29, 2026 which is in 10 days.
How were Capitol Federal Financial’s earnings last quarter?
Capitol Federal Financial released its earnings results on Apr 29, 2026. The company reported $0.16 earnings per share for the quarter, the consensus estimate of $0.16 by $0.
Is Capitol Federal Financial overvalued?
According to Wall Street analysts Capitol Federal Financial’s price is currently Undervalued.
Does Capitol Federal Financial pay dividends?
Capitol Federal Financial pays a Quarterly dividend of $0.085 which represents an annual dividend yield of 4.73%. See more information on Capitol Federal Financial dividends here
What is Capitol Federal Financial’s EPS estimate?
Capitol Federal Financial’s EPS estimate is 0.17.
How many shares outstanding does Capitol Federal Financial have?
Capitol Federal Financial has 126,769,830 shares outstanding.
What happened to Capitol Federal Financial’s price movement after its last earnings report?
Capitol Federal Financial reported an EPS of $0.16 in its last earnings report, expectations of $0.16. Following the earnings report the stock price went down -4.248%.
Which hedge fund is a major shareholder of Capitol Federal Financial?
Currently, no hedge funds are holding shares in CFFN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Capitol Federal Financial Stock Smart Score
Neutral
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5
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$8.83 (14.57% Upside)
$8.83 (14.57% Upside)
Blogger Sentiment
Bullish
CFFN Sentiment 100%
Sector Average 64%
Sector Average 64%
Hedge Fund Trend
Decreased
By 171.8K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
25.04%
12-Months-Change
Fundamentals
Return on Equity
7.46%
Trailing 12-Months
Asset Growth
1.14%
Trailing 12-Months
Company Description
Capitol Federal Financial
Capitol Federal Financial, Inc. acts as the parent company for Capitol Federal Savings Bank, offering a comprehensive suite of retail banking services. The bank provides diverse deposit products, including savings, money market, interest-bearing and standard checking accounts, as well as certificates of deposit. Its lending portfolio is equally broad, featuring mortgages for one-to-four-family residences, commercial real estate, commercial and industrial, and construction loans. Additionally, consumer credit options are available, such as home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. Beyond these, the institution delivers modern banking conveniences through mobile, telephone, and online platforms, alongside bill payment services, and operates a customer call center. It also engages in strategic securities investments. The bank's physical presence includes 54 branches—45 traditional and 9 in-store locations—spanning nine counties in Kansas and two in Missouri. Key service areas encompass the metropolitan regions of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina in Kansas, plus a segment of the broader Kansas City metropolitan area. Capitol Federal Financial, Inc., founded in 1893, is headquartered in Topeka, Kansas.
CFFN Stock 12 Month Forecast
Average Price Target
$8.83
▲(14.57% Upside)
Technical Analysis
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Ownership Overview
2.24% Insiders
18.61% Mutual Funds
1.47% Other Institutional Investors
47.47% Public Companies and
Individual Investors