6.71 USD
-0.03 (-0.45%)
6.71 USD
0 (0%)
Taking everything into account, CFFN scores 5 out of 10 in our fundamental rating. CFFN was compared to 387 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CFFN was profitable.
In the past year CFFN had a positive cash flow from operations.
CFFN had positive earnings in 4 of the past 5 years.
CFFN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CFFN has a worse Return On Assets (0.69%) than 66.15% of its industry peers.
CFFN's Return On Equity of 6.49% is on the low side compared to the rest of the industry. CFFN is outperformed by 68.22% 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
With an excellent Profit Margin value of 33.80%, CFFN belongs to the best of the industry, outperforming 87.86% 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.
The number of shares outstanding for CFFN has been reduced compared to 1 year ago.
CFFN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, CFFN has an improved debt to assets ratio.
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.
CFFN's Debt to FCF ratio of 0.02 is amongst the best of the industry. CFFN outperforms 88.89% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that CFFN is not too dependend on debt financing.
CFFN has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. CFFN outperforms 87.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.65%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFFN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.00%, 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.
The Revenue has grown by 20.16% in the past year. This is a very strong growth!
CFFN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.76% yearly.
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.
CFFN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.61% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.90, CFFN is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of CFFN is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.17, CFFN is valued rather cheaply.
The Price/Forward Earnings ratio is 10.34, which indicates a very decent valuation of CFFN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFFN is on the same level as its industry peers.
CFFN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.9 | ||
| Fwd PE | 10.34 |
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 69.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.75 | ||
| 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.
A more expensive valuation may be justified as CFFN's earnings are expected to grow with 16.97% in the coming years.
PEG (NY)0.52
PEG (5Y)5.2
EPS Next 2Y16.97%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.99%, 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 89.66% 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 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
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
5.3 Sustainability
CFFN pays out 65.13% of its income as dividend. This is not a sustainable payout ratio.
DP65.13%
EPS Next 2Y16.97%
EPS Next 3YN/A
6.71
-0.03 (-0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.9%
Inst Owner Change0%
Ins Owners2.55%
Ins Owner Change0.3%
Market Cap884.45M
Revenue(TTM)201.04M
Net Income(TTM)67.94M
Analysts45.71
Price Target7.14 (6.41%)
Short Float %3.24%
Short Ratio4.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.99% |
Yearly Dividend0.33
Dividend Growth(5Y)-12.99%
DP65.13%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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 | 12.9 | ||
| Fwd PE | 10.34 | ||
| P/S | 4.4 | ||
| P/FCF | 17.75 | ||
| P/OCF | 16.07 | ||
| P/B | 0.84 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.52
EY7.75%
EPS(NY)0.65
Fwd EY9.68%
FCF(TTM)0.38
FCFY5.64%
OCF(TTM)0.42
OCFY6.22%
SpS1.53
BVpS7.95
TBVpS7.88
PEG (NY)0.52
PEG (5Y)5.2
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
WACC9.65%
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)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.