CAPITOL FEDERAL FINANCIAL IN (CFFN) Fundamental Analysis & Valuation

NASDAQ:CFFN • US14057J1016

Current stock price

6.975 USD
-0.12 (-1.76%)
Last:

This CFFN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CFFN Profitability Analysis

1.1 Basic Checks

  • In the past year CFFN was profitable.
  • In the past year CFFN had a positive cash flow from operations.
  • Of the past 5 years CFFN 4 years were profitable.
  • CFFN had a positive operating cash flow in each of the past 5 years.
CFFN Yearly Net Income VS EBIT VS OCF VS FCFCFFN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M

1.2 Ratios

  • CFFN has a worse Return On Assets (0.74%) than 68.68% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.99%, CFFN is doing worse than 69.74% of the companies in the same industry.
Industry RankSector Rank
ROA 0.74%
ROE 6.99%
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
CFFN Yearly ROA, ROE, ROICCFFN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5

1.3 Margins

  • Looking at the Profit Margin, with a value of 34.52%, CFFN belongs to the top of the industry, outperforming 89.47% 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 RankSector Rank
OM N/A
PM (TTM) 34.52%
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
CFFN Yearly Profit, Operating, Gross MarginsCFFN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100 200 300 400 500

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5

2. CFFN Health Analysis

2.1 Basic Checks

  • CFFN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CFFN has less shares outstanding
  • The number of shares outstanding for CFFN has been reduced compared to 5 years ago.
  • The debt/assets ratio for CFFN has been reduced compared to a year ago.
CFFN Yearly Shares OutstandingCFFN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
CFFN Yearly Total Debt VS Total AssetsCFFN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • CFFN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.65%
CFFN Yearly LT Debt VS Equity VS FCFCFFN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CFFN Yearly Current Assets VS Current LiabilitesCFFN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CFFN Growth Analysis

3.1 Past

  • CFFN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.33%, which is quite impressive.
  • CFFN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.48% yearly.
  • Looking at the last year, CFFN shows a quite strong growth in Revenue. The Revenue has grown by 14.92% in the last year.
  • 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)33.33%
EPS 3Y-5.69%
EPS 5Y2.48%
EPS Q2Q%33.33%
Revenue 1Y (TTM)14.92%
Revenue growth 3Y-2.27%
Revenue growth 5Y-0.76%
Sales Q2Q%21.52%

3.2 Future

  • CFFN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.66% yearly.
  • CFFN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.23% yearly.
EPS Next Y31.42%
EPS Next 2Y19.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.1%
Revenue Next 2Y18.23%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CFFN Yearly Revenue VS EstimatesCFFN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 50M 100M 150M 200M 250M
CFFN Yearly EPS VS EstimatesCFFN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6

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5

4. CFFN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.46, CFFN is valued correctly.
  • The rest of the industry has a similar Price/Earnings ratio as CFFN.
  • CFFN is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.37, which indicates a very decent valuation of CFFN.
  • Based on the Price/Forward Earnings ratio, CFFN is valued a bit cheaper than the industry average as 61.84% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.51, CFFN is valued rather cheaply.
Industry RankSector Rank
PE 12.46
Fwd PE 9.37
CFFN Price Earnings VS Forward Price EarningsCFFN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CFFN is valued a bit more expensive than the industry average as 64.21% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 14.79
EV/EBITDA N/A
CFFN Per share dataCFFN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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.
  • A more expensive valuation may be justified as CFFN's earnings are expected to grow with 19.66% in the coming years.
PEG (NY)0.4
PEG (5Y)5.02
EPS Next 2Y19.66%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CFFN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.83%, CFFN is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.78, CFFN pays a better dividend. On top of this CFFN pays more dividend than 90.53% of the companies listed in the same industry.
  • CFFN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 4.83%

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.
  • The dividend of CFFN decreased recently.
Dividend Growth(5Y)-12.99%
Div Incr Years0
Div Non Decr Years1
CFFN Yearly Dividends per shareCFFN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 60.72% of the earnings are spent on dividend by CFFN. This is not a sustainable payout ratio.
DP60.72%
EPS Next 2Y19.66%
EPS Next 3YN/A
CFFN Yearly Income VS Free CF VS DividendCFFN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M
CFFN Dividend Payout.CFFN Dividend Payout, showing the Payout Ratio.CFFN Dividend Payout.PayoutRetained Earnings

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CFFN Fundamentals: All Metrics, Ratios and Statistics

CAPITOL FEDERAL FINANCIAL IN

NASDAQ:CFFN (3/27/2026, 2:29:06 PM)

6.975

-0.12 (-1.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners78.72%
Inst Owner Change-2.49%
Ins Owners2.58%
Ins Owner Change0.28%
Market Cap905.63M
Revenue(TTM)210.91M
Net Income(TTM)72.81M
Analysts45.71
Price Target7.91 (13.41%)
Short Float %3.38%
Short Ratio4.28
Dividend
Industry RankSector Rank
Dividend Yield 4.83%
Yearly Dividend0.33
Dividend Growth(5Y)-12.99%
DP60.72%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-06
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.9%
Min EPS beat(2)-0.54%
Max EPS beat(2)6.35%
EPS beat(4)3
Avg EPS beat(4)7.27%
Min EPS beat(4)-0.54%
Max EPS beat(4)16.32%
EPS beat(8)5
Avg EPS beat(8)4.98%
EPS beat(12)8
Avg EPS beat(12)112.13%
EPS beat(16)10
Avg EPS beat(16)84.04%
Revenue beat(2)0
Avg Revenue beat(2)-6.44%
Min Revenue beat(2)-12.52%
Max Revenue beat(2)-0.37%
Revenue beat(4)0
Avg Revenue beat(4)-3.83%
Min Revenue beat(4)-12.52%
Max Revenue beat(4)-0.13%
Revenue beat(8)0
Avg Revenue beat(8)-4.32%
Revenue beat(12)2
Avg Revenue beat(12)-3.25%
Revenue beat(16)6
Avg Revenue beat(16)-0.08%
PT rev (1m)0%
PT rev (3m)10.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.14%
EPS NY rev (1m)0%
EPS NY rev (3m)5.26%
Revenue NQ rev (1m)1.83%
Revenue NQ rev (3m)2.35%
Revenue NY rev (1m)2.33%
Revenue NY rev (3m)3.19%
Valuation
Industry RankSector Rank
PE 12.46
Fwd PE 9.37
P/S 4.29
P/FCF 14.79
P/OCF 13.54
P/B 0.87
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)0.56
EY8.03%
EPS(NY)0.74
Fwd EY10.68%
FCF(TTM)0.47
FCFY6.76%
OCF(TTM)0.52
OCFY7.38%
SpS1.62
BVpS8.02
TBVpS8.02
PEG (NY)0.4
PEG (5Y)5.02
Graham Number10.05
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 6.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.52%
GM N/A
FCFM 29.03%
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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 74.91%
Cap/Sales 2.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 84.08%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC9.65%
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)33.33%
EPS 3Y-5.69%
EPS 5Y2.48%
EPS Q2Q%33.33%
EPS Next Y31.42%
EPS Next 2Y19.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.92%
Revenue growth 3Y-2.27%
Revenue growth 5Y-0.76%
Sales Q2Q%21.52%
Revenue Next Year31.1%
Revenue Next 2Y18.23%
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 1Y189.38%
FCF growth 3Y-18.39%
FCF growth 5Y-8.62%
OCF growth 1Y142.33%
OCF growth 3Y-17.3%
OCF growth 5Y-9.94%

CAPITOL FEDERAL FINANCIAL IN / CFFN Fundamental Analysis 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 31.42% in the next year.