Capitol Federal Financial (CFFN) AI Stock Analysis

• Market Cap: $822.70M
• Dividend Yield: 5.44%
• Average Volume (3M): 699.12K
• Price to Earnings (P/E): 11.9
• Beta (1Y): 0.84
• Revenue Growth: 6.27%
• EPS Growth: 79.32%
• Country: US
• Employees: 583
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.14
• Shares Outstanding: 132,800,860
• 10 Day Avg. Volume: 777,554
• 30 Day Avg. Volume: 699,118
• PEG Ratio: -0.15
• Price to Book (P/B): 0.73
• Price to Sales (P/S): 2.00
• P/FCF Ratio: 31.60
• Enterprise Value/Market Cap: 3.35
• Enterprise Value/Revenue: 6.89
• Enterprise Value/Gross Profit: 19.11
• Enterprise Value/Ebitda: 31.65
• 1Y Price Target: $7.00
• Price Target Upside: 12.18% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 57 Neutral
• Price Target: $6.00 ▼(-3.85% Downside)

Capitol Federal Financial's overall score is primarily influenced by its financial performance, which shows stable revenue but faces profitability and liquidity challenges. The technical analysis indicates bearish momentum, which could pressure the stock price. However, the valuation is favorable with a reasonable P/E ratio and a high dividend yield, providing some support to the stock.

Capitol Federal Financial Business Overview & Revenue Model

Company Description

Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity, loans and lines of credit, home improvement loans, vehicle loans, and loans secured by saving deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 54 branches, including 45 traditional branches and nine in-store branches located in nine counties throughout Kansas and two counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

How the Company Makes Money

Capitol Federal Financial generates revenue through various channels, primarily by earning interest on loans it extends to customers. The main revenue streams include interest income from mortgage loans, commercial real estate loans, and consumer loans. Additionally, the company collects fees for services such as account maintenance, ATM transactions, and other banking services. CFFN also earns income from its investment securities portfolio, which includes government and agency securities. A significant factor contributing to its earnings is its strong emphasis on customer relationships and community involvement, which helps to maintain a loyal customer base and attract new business. The company's focus on low-cost funding through customer deposits also aids in maintaining healthy interest margins.

Capitol Federal Financial Financial Statement Overview

Summary

Capitol Federal Financial demonstrates stable revenue growth but faces profitability challenges with low margins. The high leverage poses a risk, although the asset structure remains balanced. Cash flow metrics indicate potential liquidity issues, necessitating careful financial management to sustain operations.

Income Statement

Capitol Federal Financial shows a modest revenue growth rate of 1.48% TTM, indicating stable but slow growth. The gross profit margin has decreased from previous years, now at 34.88% TTM, suggesting increased cost pressures. The net profit margin is low at 3.07% TTM, reflecting challenges in converting revenue into profit. EBIT and EBITDA margins are stable, indicating consistent operational efficiency.

Balance Sheet

The company has a high debt-to-equity ratio of 1.86 TTM, which is a potential risk factor, indicating significant leverage. Return on equity is low at 1.22% TTM, suggesting limited profitability from shareholder investments. The equity ratio is stable, showing a balanced asset structure.

Cash Flow

Free cash flow growth is negative at -6.89% TTM, indicating a decline in cash generation. The operating cash flow to net income ratio is low, suggesting challenges in converting income into cash. The free cash flow to net income ratio is minimal, highlighting potential liquidity concerns.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	399.52M	379.37M	185.64M	299.57M	278.75M	321.69M
Gross Profit	144.05M	163.33M	-27.71M	217.26M	204.08M	183.74M
EBITDA	86.96M	62.81M	-128.85M	117.94M	106.98M	91.73M
Net Income	68.03M	38.01M	-101.66M	84.45M	76.08M	64.54M
Balance Sheet
Total Assets	9.78B	9.53B	10.17B	9.62B	9.63B	9.49B
Cash, Cash Equivalents and Short-Term Investments	252.44M	1.07B	1.63B	1.61B	2.06B	1.75B
Total Debt	1.95B	2.18B	2.38B	2.13B	1.58B	1.79B
Total Liabilities	8.73B	8.50B	9.13B	8.53B	8.39B	8.20B
Stockholders Equity	1.05B	1.03B	1.03B	1.10B	1.24B	1.28B
Cash Flow
Free Cash Flow	33.52M	24.00M	41.25M	91.74M	65.06M	78.19M
Operating Cash Flow	372.47B	31.18M	47.53M	97.30M	74.47M	92.93M
Investing Cash Flow	-212.01B	629.11M	-329.10M	-167.58M	-326.67M	-151.29M
Financing Cash Flow	0.00	-688.59M	477.98M	49.18M	82.78M	44.37M

Capitol Federal Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 6.24 is above the 20-day moving average (MA) of 6.16, above the 50-day MA of 6.23, and above the 200-day MA of 5.81, indicating a bullish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 53.36 is Neutral, neither overbought nor oversold. The STOCH value of 58.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CFFN.

Capitol Federal Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AMAL	78 Outperform	$834.33M	8.38	13.88%	1.99%	4.33%	-2.20%
HFWA	70 Outperform	$749.09M	13.29	6.43%	4.35%	8.27%	54.96%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CPF	67 Neutral	$787.92M	12.09	11.65%	3.78%	1.22%	15.97%
HBNC	63 Neutral	$819.78M	―	-26.60%	4.00%	-78.71%	-913.67%
CFFN	57 Neutral	$822.70M	11.91	6.54%	5.44%	6.27%	79.32%
AMTB	54 Neutral	$707.71M	10.82	7.21%	2.03%	15.37%	―

Capitol Federal Financial Corporate Events

Capitol Federal Financial Reports Strong Fiscal Year Results

Capitol Federal Financial, Inc. reported strong financial results for the fiscal year ending September 30, 2025, with net income rising to $68.0 million, driven by strategic operational changes and acquisitions. The company continues to enhance its commercial banking operations through technology investments, product expansion, and a focus on treasury management services, aiming to deliver long-term value to stockholders.

The most recent analyst rating on (CFFN) stock is a Hold with a $7.00 price target. To see the full list of analyst forecasts on Capitol Federal Financial stock, see the CFFN Stock Forecast page.

Capitol Federal Financial Schedules Annual Meeting

Capitol Federal Financial announced that its annual meeting of stockholders is scheduled for January 27, 2026, with a voting record date set for December 5, 2025. This announcement sets the stage for shareholder engagement and decision-making, impacting the company’s governance and future strategies.

The most recent analyst rating on (CFFN) stock is a Hold with a $6.50 price target. To see the full list of analyst forecasts on Capitol Federal Financial stock, see the CFFN Stock Forecast page.

Capitol Federal Financial Updates Performance Plan Strategy

On September 23, 2025, Capitol Federal Financial, Inc. announced a modification to its Short-Term Performance Plan, effective for the fiscal year 2026. The company will replace the efficiency ratio performance target with the operating expense ratio performance target, aiming to better assess management’s ability to control operating costs by eliminating the impact of interest rates.

The most recent analyst rating on (CFFN) stock is a Hold with a $6.50 price target. To see the full list of analyst forecasts on Capitol Federal Financial stock, see the CFFN Stock Forecast page.