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Capitol Federal Financial
(NASDAQ:CFFN)
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Rating:67Neutral
Price Target:
$9.50
▲(9.83% Upside)
Action:Reiterated
Date:08/08/26
CFFN scores 67 primarily due to a meaningful rebound in financial performance (improved revenue growth, profitability, and solid free cash flow conversion), tempered by earnings volatility and still-notable leverage. Technicals add support with a clear uptrend and positive momentum indicators, while valuation is moderately attractive with a reasonable P/E and strong dividend yield.
Positive Factors
Revenue & Margin Recovery
A meaningful rebound in revenue and a restored net margin indicate the business has recovered core profitability. Sustained margin expansion supports internal funding for investments, dividends and buybacks and improves resilience to cyclical swings over the next several quarters.
Negative Factors
Meaningful Leverage
Although leverage has improved, a debt-to-equity near 1.6 leaves capital structure sensitive to credit stress and rate costs. Persistent leverage constrains flexibility for growth or shock absorption and may limit capital return or strategic M&A capacity over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Recovery
A meaningful rebound in revenue and a restored net margin indicate the business has recovered core profitability. Sustained margin expansion supports internal funding for investments, dividends and buybacks and improves resilience to cyclical swings over the next several quarters.
Read all positive factors
Capitol Federal Financial (CFFN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.10B
Dividend Yield4.35%
Average Volume (3M)912.57K
Price to Earnings (P/E)13.4
Beta (1Y)0.77
Revenue Growth7.53%
EPS Growth38.21%
CountryUS
Employees641
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.65
Shares Outstanding125,698,280
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
$9.50Price Target Upside9.83% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.66
Revenue Forecast (FY)$232.52M
Capitol Federal Financial Business Overview & Revenue Model
Company Description
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 a...
How the Company Makes Money
CFFN primarily makes money through net interest income and, secondarily, through noninterest income. Net interest income is generated by earning interest on interest-earning assets—most notably loans (such as residential mortgage loans and other l...
Capitol Federal Financial Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
56
Neutral
Cash Flow
63
Positive
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 435.07M | 417.40M | 379.37M | 185.64M | 299.57M | 278.75M |
| Gross Profit | 217.21M | 197.45M | 163.33M | -27.71M | 217.26M | 204.08M |
| EBITDA | 109.90M | 90.74M | 62.81M | -128.85M | 117.94M | 106.98M |
| Net Income | 82.83M | 68.03M | 38.01M | -101.66M | 84.45M | 76.08M |
Balance Sheet | ||||||
| Total Assets | 9.66B | 9.78B | 9.53B | 10.18B | 9.62B | 9.63B |
| Cash, Cash Equivalents and Short-Term Investments | 136.10M | 1.12B | 1.07B | 1.63B | 1.61B | 2.06B |
| Total Debt | 1.64B | 1.95B | 2.18B | 2.38B | 2.13B | 1.58B |
| Total Liabilities | 8.64B | 8.73B | 8.50B | 9.13B | 8.53B | 8.39B |
| Stockholders Equity | 1.02B | 1.05B | 1.03B | 1.04B | 1.10B | 1.24B |
Cash Flow | ||||||
| Free Cash Flow | 76.19M | 49.84M | 24.00M | 41.25M | 91.74M | 65.06M |
| Operating Cash Flow | 77.85M | 55.04M | 31.18M | 47.53M | 97.30M | 74.47M |
| Investing Cash Flow | -2.76M | -206.59M | 629.11M | -329.10M | -167.58M | -326.67M |
| Financing Cash Flow | -113.96M | 186.68M | -688.59M | 477.98M | 49.18M | 82.78M |
Capitol Federal Financial Technical Analysis
Positive
8.65
Price Trends
8.44
Positive
7.96
Positive
7.32
Positive
Market Momentum
0.12
Positive
52.58
Neutral
15.24
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFFN, the sentiment is Positive. The current price of 8.65 is below the 20-day moving average (MA) of 8.75, above the 50-day MA of 8.44, and above the 200-day MA of 7.32, indicating a neutral trend. The MACD of 0.12 indicates Positive momentum. The RSI at 52.58 is Neutral, neither overbought nor oversold. The STOCH value of 15.24 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CFFN.
Capitol Federal Financial Risk Analysis
Capitol Federal Financial disclosed 13 risk factors in its most recent earnings report. Capitol Federal Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Capitol Federal Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $1.53B | 13.47 | 14.12% | 1.25% | 9.56% | 12.20% | |
76 Outperform | $996.43M | 12.32 | 14.00% | 2.92% | 5.05% | 39.76% | |
70 Outperform | $1.22B | 14.03 | 7.69% | 3.22% | 17.16% | 47.28% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $1.10B | 13.43 | 8.01% | 4.39% | 7.53% | 38.21% | |
64 Neutral | $1.14B | 20.90 | 6.62% | 1.26% | 5.13% | ― | |
63 Neutral | $1.06B | -6.51 | -20.76% | 3.19% | -72.31% | -366.87% |
* Financial Sector Average
CFFN
Capitol Federal Financial
8.73
2.93
50.57%
CPF
Central Pacific Financial
38.70
11.32
41.36%
HFWA
Heritage Financial
29.74
7.24
32.17%
HBNC
Horizon Bancorp
20.57
5.13
33.24%
AMAL
Amalgamated Bank
51.06
22.67
79.83%
AMTB
Amerant Bancorp
29.17
9.40
47.57%
Capitol Federal Financial Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Capitol Federal Financial Reports Strong Q3 2026 Results
Positive
Jul 29, 2026
Capitol Federal Financial, Inc. reported preliminary third‑quarter fiscal 2026 results on July 29, 2026, showing total assets of $9.66 billion, stockholders’ equity of $1.02 billion and net income of $23.6 million for the quarter ended...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.