CAPITOL FEDERAL FINANCIAL IN(NASDAQ:CFFN) stock Fundamental Analysis

Fundamental Rating

Overall CFFN gets a fundamental rating of 4 out of 10. We evaluated CFFN against 396 industry peers in the Banks industry. While CFFN seems to be doing ok healthwise, there are quite some concerns on its profitability. CFFN has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year CFFN was profitable.

CFFN had a positive operating cash flow in the past year.

Of the past 5 years CFFN 4 years were profitable.

In the past 5 years CFFN always reported a positive cash flow from operatings.

1.2 Ratios

With a Return On Assets value of 0.54%, CFFN is not doing good in the industry: 72.98% of the companies in the same industry are doing better.

CFFN has a Return On Equity of 5.06%. This is in the lower half of the industry: CFFN underperforms 77.02% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.54%
ROE	5.06%
ROIC	N/A

ROA(3y)0.09%

ROA(5y)0.35%

ROE(3y)0.55%

ROE(5y)2.57%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of CFFN (28.16%) is better than 76.77% of its industry peers.

CFFN's Profit Margin has declined in the last couple of years.

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)	28.16%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-15.35%

PM growth 5Y-11.26%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, CFFN has less shares outstanding

CFFN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

There is no outstanding debt for CFFN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	N/A

ROIC/WACCN/A

WACC8.47%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for CFFN have decreased strongly by -36.76% in the last year.

CFFN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.33% yearly.

The Revenue has grown by 568.86% in the past year. This is a very strong growth!

Measured over the past years, CFFN shows a decrease in Revenue. The Revenue has been decreasing by -6.04% on average per year.

EPS 1Y (TTM)-36.76%

EPS 3Y-10.07%

EPS 5Y-10.33%

EPS Q2Q%9.09%

Revenue 1Y (TTM)568.86%

Revenue growth 3Y-6.26%

Revenue growth 5Y-6.04%

Sales Q2Q%6.1%

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 17.73% yearly.

The Revenue is expected to grow by 9.91% on average over the next years. This is quite good.

EPS Next Y23.04%

EPS Next 2Y17.73%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.02%

Revenue Next 2Y9.91%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.08, which indicates a correct valuation of CFFN.

Compared to the rest of the industry, the Price/Earnings ratio of CFFN is on the same level as its industry peers.

CFFN is valuated rather cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 10.15 indicates a reasonable valuation of CFFN.

CFFN's Price/Forward Earnings ratio is in line with the industry average.

The average S&P500 Price/Forward Earnings ratio is at 21.85. CFFN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	13.08
Fwd PE	10.15

4.2 Price Multiples

CFFN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CFFN is more expensive than 78.03% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	24.28
EV/EBITDA	N/A

4.3 Compensation for Growth

CFFN's 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 17.73% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.57

PEG (5Y)N/A

EPS Next 2Y17.73%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CFFN has a Yearly Dividend Yield of 5.93%, which is a nice return.

CFFN's Dividend Yield is rather good when compared to the industry average which is at 3.34. CFFN pays more dividend than 93.94% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.36, CFFN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.93%

5.2 History

The dividend of CFFN decreases each year by -19.07%.

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)-19.07%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

CFFN pays out 84.25% of its income as dividend. This is not a sustainable payout ratio.

DP84.25%

EPS Next 2Y17.73%

EPS Next 3YN/A

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CAPITOL FEDERAL FINANCIAL IN

NASDAQ:CFFN (5/22/2025, 8:00:00 PM)

After market: 5.625 0 (0%)

5.625

-0.03 (-0.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/bmo

Earnings (Next)07-22 2025-07-22/bmo

Inst Owners78.6%

Inst Owner Change1.33%

Ins Owners2.98%

Ins Owner Change3.53%

Market Cap746.94M

Analysts45.71

Price Target6.38 (13.42%)

Short Float %3.21%

Short Ratio4.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.93%

Yearly Dividend0.33

Dividend Growth(5Y)-19.07%

DP84.25%

Div Incr Years0

Div Non Decr Years1

Ex-Date05-02 2025-05-02 (0.085)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)9.23%

Min EPS beat(2)6.95%

Max EPS beat(2)11.51%

EPS beat(4)3

Avg EPS beat(4)4.47%

Min EPS beat(4)-10.87%

Max EPS beat(4)11.51%

EPS beat(8)5

Avg EPS beat(8)164.78%

EPS beat(12)7

Avg EPS beat(12)109.21%

EPS beat(16)11

Avg EPS beat(16)84.81%

Revenue beat(2)0

Avg Revenue beat(2)-2.96%

Min Revenue beat(2)-5.79%

Max Revenue beat(2)-0.13%

Revenue beat(4)0

Avg Revenue beat(4)-3.95%

Min Revenue beat(4)-6.91%

Max Revenue beat(4)-0.13%

Revenue beat(8)1

Avg Revenue beat(8)-3.62%

Revenue beat(12)5

Avg Revenue beat(12)0.18%

Revenue beat(16)8

Avg Revenue beat(16)2.27%

PT rev (1m)-3.85%

PT rev (3m)-10.71%

EPS NQ rev (1m)8.18%

EPS NQ rev (3m)8.18%

EPS NY rev (1m)6.04%

EPS NY rev (3m)6.04%

Revenue NQ rev (1m)3.51%

Revenue NQ rev (3m)3.51%

Revenue NY rev (1m)2.44%

Revenue NY rev (3m)2.44%

Valuation

		Industry Rank	Sector Rank
PE	13.08
Fwd PE	10.15
P/S	4.01
P/FCF	24.28
P/OCF	20.12
P/B	0.72
P/tB	0.72
EV/EBITDA	N/A

EPS(TTM)0.43

EY7.64%

EPS(NY)0.55

Fwd EY9.86%

FCF(TTM)0.23

FCFY4.12%

OCF(TTM)0.28

OCFY4.97%

SpS1.4

BVpS7.81

TBVpS7.81

PEG (NY)0.57

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.54%
ROE	5.06%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.16%
GM	N/A
FCFM	16.51%

ROA(3y)0.09%

ROA(5y)0.35%

ROE(3y)0.55%

ROE(5y)2.57%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-15.35%

PM growth 5Y-11.26%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	77.73%
Cap/Sales	3.41%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	58.63%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.47%

ROIC/WACCN/A

Cap/Depr(3y)65.51%

Cap/Depr(5y)82.88%

Cap/Sales(3y)13.81%

Cap/Sales(5y)10.62%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-36.76%

EPS 3Y-10.07%

EPS 5Y-10.33%

EPS Q2Q%9.09%

EPS Next Y23.04%

EPS Next 2Y17.73%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)568.86%

Revenue growth 3Y-6.26%

Revenue growth 5Y-6.04%

Sales Q2Q%6.1%

Revenue Next Year10.02%

Revenue Next 2Y9.91%

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 1Y-61.59%

FCF growth 3Y-28.3%

FCF growth 5Y-19.09%

OCF growth 1Y-56.57%

OCF growth 3Y-25.2%

OCF growth 5Y-17.36%

CAPITOL FEDERAL FINANCIAL IN (CFFN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens