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Capitol Federal Financial, Inc. CFFN R2K

Financial Services · Banks - Regional · United States
https://capfed.com
Company Profile ↓
$8.49
+41.43% 1Y
Mkt Cap$1.06B
P/E14.15
P/B1.01
Div. Yield4.12%
52W High$8.62
52W Low$5.49
Book Value$8.21
EPS (TTM)$0.60

Company Overview

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 offers a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts. 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 savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services and mortgage loan; operates a call center; and invests in various securities and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 14.2.

Healthy Margins

Maintains a net profit margin of 35.9%.

Dividend Income

Offers a dividend yield of 4.12%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Sep 2025 Revenue of $16.30M (+6.5% YoY); net profit $68.03M.
  • Trailing 12 Months Year-on-year growth — revenue +13.4%, earnings +34.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 1.0%, profit CAGR 0.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:1.00%
1 Year:13.40%

Compounded Profit Growth

5 Years:0.16%
1 Year:34.30%

Stock Price Performance

1 Year:+41.43%
6 Months:+29.77%
3 Months:+12.52%
1 Month:+4.17%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 96% of range
$5.49 $8.62
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)60.04 · Neutral
Price Performance
1M+4.17%
3M+12.52%
6M+29.77%
1Y+41.43%
Valuation vs Sector

P/E of 14.15 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 35.9%.
  • Attractive dividend yield of 4.12%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.15
Industry PE
13.30
Forward P/E
11.79
PEG Ratio
4.09
Book Value
$8.21
Price to Book
1.01
P/S
4.74
EV/EBITDA
-
Dividend Yield
4.12%

Growth (CAGR)

Revenue 5Y
1.00%
Profit 5Y
0.16%
Revenue (YoY)
13.40%
Earnings (YoY)
34.30%

Profitability & Returns

ROCE
-
ROE
7.53%
ROA
0.79%
Profit Margin
35.90%
Op Margin
47.31%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.16
EPS (TTM)
$0.60

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$1.71B
Total Assets
$9.83B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
8.08%
Chg in Prom Hold
-
FII / Inst Holding
81.86%
Chg in FII Hold
-0.29%

Financial Snapshot

Enterprise Value
$1.06B
Total Revenue (TTM)
$216.30M
EBITDA
-
Free Cash Flow
$49.84M
Operating Cash Flow
$72.82M
Shares Outstanding
124.39M
Gross Margin
0.00%
Payout Ratio
56.67%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CFFN Capitol Federal Financial, Inc. R2K 8.49 14.15 $1.06B 4.12% - 7.53% 1.00% 0.16%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Dec 2021Mar 2022Jun 2022Dec 2022Mar 2023Jun 2023Dec 2023Mar 2024Jun 2024Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue ---------------4.30M---4.00M--------------------
Net Income 19.23M19.60M18.79M20.72M21.53M20.55M20.70M20.58M21.59M21.37M20.60M31.84M23.33M22.37M21.39M24.38M24.55M22.90M22.41M22.51M4.28M19.47M18.28M18.90M20.44M18.19M22.19M21.62M21.15M16.24M14.19M8.30M2.54M13.76M9.65M15.43M15.40M18.38M20.30M20.15M
Diluted EPS 0.140.140.140.160.160.150.160.150.160.160.150.240.170.170.160.180.180.170.160.160.030.140.130.140.150.130.160.160.160.120.110.060.020.110.070.120.120.140.160.16

Profit & Loss (Annual)

Figures in USD.

Metric Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Revenue --------15.05M15.64M16.60M14.80M16.50M18.10M17.60M15.30M16.30M
Net Income 66.30M67.84M38.40M74.51M69.34M77.69M78.09M83.49M84.14M98.93M94.24M64.54M76.08M84.45M-101.66M38.01M68.03M
Diluted EPS 0.400.410.240.470.480.560.580.630.630.730.680.470.560.62-0.760.290.52

Balance Sheet (Annual)

Figures in USD.

Metric Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Total Assets --8.49B9.45B9.38B9.19B9.87B9.84B9.27B9.19B9.45B9.34B9.49B9.63B9.62B10.18B9.53B9.78B
Total Equity 871.22M941.30M961.95M1.94B1.81B1.63B1.49B1.42B1.39B1.37B1.39B1.34B1.28B1.24B1.10B1.04B1.03B1.05B
Cash & Equivalents 87.14M41.15M65.22M121.07M141.71M113.89M810.84M772.63M281.76M351.66M139.06M220.37M185.15M42.26M49.19M245.60M217.31M252.44M
Long Term Debt ---2.92B2.92B2.85B------------
Total Liabilities --7.53B7.51B7.57B7.55B8.37B8.43B7.87B7.82B8.06B8.00B8.20B8.39B8.53B9.13B8.50B8.73B

Cash Flows (Annual)

Figures in USD.

Metric Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Operating Cash Flow 190.72M59.16M65.78M106.24M---84.96M85.44M124.16M80.95M92.93M74.47M97.30M47.53M31.18M55.04M
Investing Cash Flow -440.55M-38.49M-933.32M76.85M---99.49M146.28M-21.57M233.26M-151.29M-326.67M-167.58M-329.10M629.11M-206.59M
Financing Cash Flow 203.85M3.39M923.39M-162.45M----675.32M-161.83M-315.20M-199.56M44.37M82.78M49.18M477.98M-688.59M186.68M
Capital Expenditure -13.05M-8.18M-12.75M-12.62M-18.77M-7.23M-12.02M-14.85M-9.13M-11.76M-11.73M-14.74M-9.41M-5.56M-6.28M-7.18M-5.20M
Free Cash Flow 177.66M50.98M53.03M93.62M---70.10M76.32M112.40M69.22M78.19M65.06M91.74M41.25M24.00M49.84M
Share Buybacks 2.43M4.02M-146.78M91.57M79.63M50.03M000020.77M4.57M023.45M19.45M3.89M
Dividends Paid 44.07M48.40M150.11M63.77M146.82M138.17M114.16M111.77M117.96M118.31M134.93M93.86M117.89M103.13M83.17M44.52M44.25M

Ratios (Annual)

Figures in %.

Metric Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % --------558.9%632.7%567.7%436.1%461.1%466.6%-577.6%248.4%417.3%
ROE % 7.0%7.1%2.0%4.1%4.2%5.2%5.5%6.0%6.1%7.1%7.1%5.0%6.1%7.7%-9.7%3.7%6.5%
ROCE % -----------------

Shareholding Pattern

Insiders
8.08%
Institutions
81.86%
Public Float
89.06%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.33% 18.17M $152.70M
2 Dimensional Fund Advisors LP 5.36% 6.79M $57.07M
3 Vanguard Portfolio Management LLC 5.28% 6.69M $56.21M
4 Holdco Asset Management, LP 5.10% 6.47M $54.35M
5 State Street Corporation 4.79% 6.07M $51.02M
6 Vanguard Capital Management LLC 4.09% 5.19M $43.62M
7 Renaissance Technologies, LLC 3.29% 4.17M $35.04M
8 AQR Capital Management, LLC 2.99% 3.79M $31.86M
9 Arrowstreet Capital, Limited Partnership 2.57% 3.26M $27.44M
10 Geode Capital Management, LLC 2.43% 3.09M $25.94M

Analyst View

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Latest News

Recent headlines for CFFN

Google News hu, 09 Jul 2026

Capitol Federal Financial (NASDAQ:CFFN) Stock Passes Above Two Hundred Day Moving Average - What's Next? - MarketBeat

<a href="https://news.google.com/rss/articles/CBMi5gFBVV95cUxQNnRGcWlUeDBvMGtuUzdFMFFCVThONDNQZlhtbWg4NmIyS3ZaSElrWEgxVzFWc3ktVkdJZjQ2Rm9VUWZjbmlrdk90T2ZZUS1EQXZ1SWVJMVNQOXdXZDBjUXVFMVB5NzYwc0sxMHN3SENMU2txVXRHQUY1c1lNTU1fUXJQeGk0UXp5dVJCdn…

Google News Sat, 11 Jul 2026

(CFFN) Price Dynamics and Execution-Aware Positioning - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMizAFBVV95cUxNSHFZTHBGWmkybmNlOUFpR3RjNHRzYklBdWRIQURfWXhpZ0g3NENUZWFmb1JVNXRLUGFlMVkzbVYyZEtvRWUtV0cxQUFxZGJ6bmd4YkUyaGd1NkdaSVNXWXBLcWRKbTVSVGU3M0x5VmFPMWVNMlVTeEE0Mm1GWHFTcnNaaUgzSk1WWlhqQX…

Google News hu, 09 Jul 2026

CFFN Initiated Coverage by Benchmark -- Rating Set to Buy - GuruFocus

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Google News Wed, 29 Apr 2026

Capitol Federal Financial (CFFN) Misses Q2 Earnings and Revenue Estimates - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxQSzBrVWcwMnFTSTB1UUlmd19xVWRRZGxpMVo1U0pTaTAzT1lDVVNMbUV2anFLVXNzUWM4aVJNQTU2amtDclE3RXluWVNEWkppMDdoN0RqbFhfZFVwN3pxQzFpRU9nalFmYlRBbGJNWk1yTUxEbkJkaERHTjQyTEx1UVFRUUREZ3hhNnBOUG…

Google News ue, 23 Jun 2026

How Investors Are Reacting To Capitol Federal Financial (CFFN) Strong Efficiency Gains And Profit Growth - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi2AFBVV95cUxQa2dGYmRuUUdjekg1YVZSd2lOZERlTmtaZWxQQ3ZZZUtFaDdpOU1WODhUWWYwbEdUcWR3bmVMcHJVbC0xQ3RxMTlCS2NCbnBHcEdPM1BEb2xlQjN3S0JHRVFTNWpKR19XaWdWQnprN2JmUkE4RFM1YzVNYnpzeEdOUG1MWFBoV2VCalJtVF…

Google News Wed, 01 Jul 2026

Capitol Federal Financial stock hits 52-week high at $8.59 - Investing.com

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CFFN — Frequently Asked Questions

What is the current share price of Capitol Federal Financial, Inc. (CFFN)?

As of 2026-07-14 21:23 PDT, Capitol Federal Financial, Inc. (CFFN) trades at $8.49 on NasdaqGS. Its 52-week range is $5.49 to $8.62.

What is the market capitalisation of CFFN?

Capitol Federal Financial, Inc. (CFFN) has a market capitalisation of $1.06B on NasdaqGS.

What is the P/E ratio of CFFN?

CFFN trades at a trailing price-to-earnings (P/E) ratio of 14.15. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.01.

Does CFFN pay a dividend?

Capitol Federal Financial, Inc. (CFFN) currently offers a dividend yield of 4.12%.

What is the return on equity (ROE) of CFFN?

CFFN has a return on equity (ROE) of 7.53%.

Is CFFN a good stock to buy?

This page provides a data-driven analysis of Capitol Federal Financial, Inc. (CFFN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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