CFFN Stock Analysis: Capitol Federal Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.070m USD | 12M Return: 47.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.62M
EPS Trend: 80.3%
Qual. Beats: 0
Rev. Trend: 68.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 77.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.36 > 1.0 |
| NWC/Revenue: -36.56% < 20% (prev -1.26k%; Δ 1.22k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 72.8m > Net Income 77.6m |
| Net Debt (571.4m) to EBITDA (102.4m): 5.58 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (126.6m) vs 12m ago -2.61% < -2% |
| Gross Margin: 49.33% > 18% (prev 45.06%; Δ 4.27% > 0.5%) |
| Asset Turnover: 4.44% > 50% (prev 4.16%; Δ 0.29% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBIT TTM 95.0m / Interest Expense TTM 216.4m) |
| A: -0.02 (Total Current Assets 16.3m - Total Current Liabilities 175.0m) / Total Assets 9.83b |
| B: -0.01 (Retained Earnings -73.8m / Total Assets 9.83b) |
| C: 0.01 (EBIT TTM 95.0m / Avg Total Assets 9.77b) |
| D: 0.12 (Book Value of Equity 1.03b / Total Liabilities 8.80b) |
| Altman-Z'' = 0.06 = B |
| DSRI: 3.0 (Receivables 8.11b/1.40m, Revenue 434.2m/404.0m) |
| GMI: 0.91 (GM 45.06% / 49.33%) |
| AQI: 1.15 (AQ_t 0.99 / AQ_t-1 0.86) |
| SGI: 1.07 (Revenue 434.2m / 404.0m) |
| TATA: 0.00 (NI 77.6m - CFO 72.8m) / TA 9.83b) |
| Beneish M = -1.31 (Cap -4..+1) = D |
As of July 28, 2026, the stock is trading at USD 8.64 with a total of 596,059 shares traded. Over the past week, the price has changed by +0.93%, over one month by +2.13%, over three months by +10.87% and over the past year by +47.18%.
Current recommended Stop Loss: 8.10 (which is 6.3% or 3 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 | 8.8 | 2.2% |
P/E Trailing = 14.3333
P/E Forward = 20.4499
P/S = 4.9402
P/B = 1.0429
P/EG = 4.0875
Revenue TTM = 434.2m USD
EBIT TTM = 95.0m USD
EBITDA TTM = 102.4m USD
Long Term Debt = 1.71b USD (from longTermDebt, last quarter)
Short Term Debt = 175.0m USD (from shortTermDebt, last quarter)
Debt = 1.71b USD (from shortLongTermDebtTotal, last quarter) + Leases 1.06m
Net Debt = 571.4m USD (calculated: Debt 1.71b - CCE 1.14b)
Enterprise Value = 1.64b USD (1.07b + Debt 1.71b - CCE 1.14b)
Interest Coverage Ratio = 0.44 (Ebit TTM 95.0m / Interest Expense TTM 216.4m)
EV/FCF = 24.64x (Enterprise Value 1.64b / FCF TTM 66.6m)
FCF Yield = 4.06% (FCF TTM 66.6m / Enterprise Value 1.64b)
FCF Margin = 15.34% (FCF TTM 66.6m / Revenue TTM 434.2m)
Net Margin = 17.88% (Net Income TTM 77.6m / Revenue TTM 434.2m)
Gross Margin = 49.33% ((Revenue TTM 434.2m - Cost of Revenue TTM 220.0m) / Revenue TTM)
Gross Margin QoQ = 50.31% (prev 49.64%)
Tobins Q-Ratio = 0.17 (Enterprise Value 1.64b / Total Assets 9.83b)
Interest Expense / Debt = 12.67% (Interest Expense 216.4m / Debt 1.71b)
Taxrate = 18.23% (17.3m / 95.0m)
NOPAT = 77.6m (EBIT 95.0m * (1 - 18.23%))
Current Ratio = 0.09 (Total Current Assets 16.3m / Total Current Liabilities 175.0m)
Debt / Equity = 1.67 (Debt 1.71b / totalStockholderEquity, last quarter 1.03b)
Debt / EBITDA = 5.58 (Net Debt 571.4m / EBITDA 102.4m)
Debt / FCF = 8.58 (Net Debt 571.4m / FCF TTM 66.6m)
Total Stockholder Equity = 1.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.79% (Net Income 77.6m / Total Assets 9.83b)
RoE = 7.46% (Net Income TTM 77.6m / Total Stockholder Equity 1.04b)
RoCE = 3.46% (EBIT 95.0m / Capital Employed (Equity 1.04b + L.T.Debt 1.71b))
RoIC = 0.79% (NOPAT 77.6m / Invested Capital 9.81b)
WACC = 9.56% (E(1.07b)/V(2.78b) * Re(8.29%) + D(1.71b)/V(2.78b) * Rd(12.67%) * (1-Tc(0.18)))
Discount Rate = 8.29% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -79.64 | Cagr: -1.95%
[DCF] Terminal Value 74.14% ; FCFF base≈52.3m ; Y1≈59.9m ; Y5≈88.2m
[DCF] Fair Price = 4.20 (EV 1.09b - Net Debt 571.4m = Equity 521.9m / Shares 124.4m; r=9.56% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 80.32 | EPS CAGR: 23.08% | SUE: 0.0 | # QB: 0
Revenue Correlation: 68.16 | Revenue CAGR: 36.19% | SUE: 0.71 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.17 | Chg30d=+0.00% | Revisions=+25% | Analysts=3
EPS current Year (2026-09-30): EPS=0.66 | Chg30d=-0.76% | Revisions=+40% | GrowthEPS=+26.0% | GrowthRev=+15.7%
EPS next Year (2027-09-30): EPS=0.74 | Chg30d=+1.36% | Revisions=+0% | GrowthEPS=+13.7% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +50% (up=3, down=0)