6.76 USD
+0.06 (+0.9%)
6.76 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to CFFN. CFFN was compared to 383 industry peers in the Banks industry. CFFN scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CFFN has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- CFFN had positive earnings in the past year.
- In the past year CFFN had a positive cash flow from operations.
- CFFN had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years CFFN had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.69%, CFFN is not doing good in the industry: 66.06% of the companies in the same industry are doing better.
- CFFN's Return On Equity of 6.49% is on the low side compared to the rest of the industry. CFFN is outperformed by 68.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 6.49% | ||
| ROIC | N/A |
ROA(3y)0.03%
ROA(5y)0.35%
ROE(3y)0.14%
ROE(5y)2.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 33.80%, CFFN belongs to the top of the industry, outperforming 87.73% of the companies in the same industry.
- In the last couple of years the Profit Margin of CFFN has grown nicely.
- The Operating Margin and Gross Margin are not available for CFFN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.8% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.81%
PM growth 5Y1.82%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CFFN does not have a ROIC to compare to the WACC, probably because it is not profitable.
- CFFN has less shares outstanding than it did 1 year ago.
- CFFN has less shares outstanding than it did 5 years ago.
- CFFN has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of CFFN is 0.02, which is an excellent value as it means it would take CFFN, only 0.02 years of fcf income to pay off all of its debts.
- With an excellent Debt to FCF ratio value of 0.02, CFFN belongs to the best of the industry, outperforming 89.03% of the companies in the same industry.
- CFFN has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
- CFFN's Debt to Equity ratio of 0.00 is amongst the best of the industry. CFFN outperforms 87.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 30.00% over the past year.
- The Earnings Per Share has been growing slightly by 2.48% on average over the past years.
- CFFN shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.16%.
- Measured over the past years, CFFN shows a decrease in Revenue. The Revenue has been decreasing by -0.76% on average per year.
EPS 1Y (TTM)30%
EPS 3Y-5.69%
EPS 5Y2.48%
EPS Q2Q%55.56%
Revenue 1Y (TTM)20.16%
Revenue growth 3Y-2.27%
Revenue growth 5Y-0.76%
Sales Q2Q%19.5%
3.2 Future
- Based on estimates for the next years, CFFN will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.97% on average per year.
- Based on estimates for the next years, CFFN will show a quite strong growth in Revenue. The Revenue will grow by 14.61% on average per year.
EPS Next Y24.85%
EPS Next 2Y16.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.04%
Revenue Next 2Y14.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.00 indicates a correct valuation of CFFN.
- CFFN's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 27.54. CFFN is valued rather cheaply when compared to this.
- CFFN is valuated reasonably with a Price/Forward Earnings ratio of 10.41.
- CFFN's Price/Forward Earnings is on the same level as the industry average.
- CFFN is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.31, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13 | ||
| Fwd PE | 10.41 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CFFN is valued a bit more expensive than the industry average as 69.45% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- CFFN's earnings are expected to grow with 16.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)5.24
EPS Next 2Y16.97%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CFFN has a Yearly Dividend Yield of 5.00%, which is a nice return.
- CFFN's Dividend Yield is rather good when compared to the industry average which is at 2.90. CFFN pays more dividend than 84.60% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.92, CFFN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5% |
5.2 History
- The dividend of CFFN decreases each year by -12.99%.
- CFFN has been paying a dividend for at least 10 years, so it has a reliable track record.
- CFFN has decreased its dividend recently.
Dividend Growth(5Y)-12.99%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
- 65.13% of the earnings are spent on dividend by CFFN. This is not a sustainable payout ratio.
DP65.13%
EPS Next 2Y16.97%
EPS Next 3YN/A
6.76
+0.06 (+0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)01-28 2026-01-28
Inst Owners78.9%
Inst Owner Change0.01%
Ins Owners2.55%
Ins Owner Change0.28%
Market Cap891.04M
Revenue(TTM)201.04M
Net Income(TTM)67.94M
Analysts45.71
Price Target7.14 (5.62%)
Short Float %3.24%
Short Ratio4.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5% |
Yearly Dividend0.33
Dividend Growth(5Y)-12.99%
DP65.13%
Div Incr Years0
Div Non Decr Years1
Ex-Date01-09 2026-01-09 (0.04)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.89%
Min EPS beat(2)-0.54%
Max EPS beat(2)16.32%
EPS beat(4)3
Avg EPS beat(4)8.56%
Min EPS beat(4)-0.54%
Max EPS beat(4)16.32%
EPS beat(8)5
Avg EPS beat(8)12.11%
EPS beat(12)7
Avg EPS beat(12)111.02%
EPS beat(16)10
Avg EPS beat(16)84.66%
Revenue beat(2)0
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-2.29%
Max Revenue beat(2)-0.37%
Revenue beat(4)0
Avg Revenue beat(4)-2.14%
Min Revenue beat(4)-5.79%
Max Revenue beat(4)-0.13%
Revenue beat(8)1
Avg Revenue beat(8)-2.23%
Revenue beat(12)3
Avg Revenue beat(12)-1.73%
Revenue beat(16)6
Avg Revenue beat(16)0.6%
PT rev (1m)3.7%
PT rev (3m)7.69%
EPS NQ rev (1m)5.36%
EPS NQ rev (3m)4.61%
EPS NY rev (1m)4.09%
EPS NY rev (3m)6.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)17.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)13.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13 | ||
| Fwd PE | 10.41 | ||
| P/S | 4.43 | ||
| P/FCF | 17.88 | ||
| P/OCF | 16.19 | ||
| P/B | 0.85 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.52
EY7.69%
EPS(NY)0.65
Fwd EY9.6%
FCF(TTM)0.38
FCFY5.59%
OCF(TTM)0.42
OCFY6.18%
SpS1.53
BVpS7.95
TBVpS7.88
PEG (NY)0.52
PEG (5Y)5.24
Graham Number9.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 6.49% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.8% | ||
| GM | N/A | ||
| FCFM | 24.79% |
ROA(3y)0.03%
ROA(5y)0.35%
ROE(3y)0.14%
ROE(5y)2.86%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.81%
PM growth 5Y1.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 67.39% | ||
| Cap/Sales | 2.59% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 73.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC9.6%
ROIC/WACCN/A
Cap/Depr(3y)70.69%
Cap/Depr(5y)69.88%
Cap/Sales(3y)13.81%
Cap/Sales(5y)9.73%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30%
EPS 3Y-5.69%
EPS 5Y2.48%
EPS Q2Q%55.56%
EPS Next Y24.85%
EPS Next 2Y16.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.16%
Revenue growth 3Y-2.27%
Revenue growth 5Y-0.76%
Sales Q2Q%19.5%
Revenue Next Year27.04%
Revenue Next 2Y14.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y107.66%
FCF growth 3Y-18.39%
FCF growth 5Y-8.62%
OCF growth 1Y76.5%
OCF growth 3Y-17.3%
OCF growth 5Y-9.94%
CAPITOL FEDERAL FINANCIAL IN / CFFN FAQ
Can you provide the ChartMill fundamental rating for CAPITOL FEDERAL FINANCIAL IN?
ChartMill assigns a fundamental rating of 5 / 10 to CFFN.
What is the valuation status for CFFN stock?
ChartMill assigns a valuation rating of 4 / 10 to CAPITOL FEDERAL FINANCIAL IN (CFFN). This can be considered as Fairly Valued.
How profitable is CAPITOL FEDERAL FINANCIAL IN (CFFN) stock?
CAPITOL FEDERAL FINANCIAL IN (CFFN) has a profitability rating of 3 / 10.
How financially healthy is CAPITOL FEDERAL FINANCIAL IN?
The financial health rating of CAPITOL FEDERAL FINANCIAL IN (CFFN) is 5 / 10.
What is the expected EPS growth for CAPITOL FEDERAL FINANCIAL IN (CFFN) stock?
The Earnings per Share (EPS) of CAPITOL FEDERAL FINANCIAL IN (CFFN) is expected to grow by 24.85% in the next year.