CFFN Fundamental Analysis - CAPITOL FEDERAL FINANCIAL IN

Fundamental Rating

Taking everything into account, CFFN scores 4 out of 10 in our fundamental rating. CFFN was compared to 395 industry peers in the Banks industry. While CFFN seems to be doing ok healthwise, there are quite some concerns on its profitability. CFFN is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

CFFN had positive earnings in the past year.

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

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

With a Return On Assets value of 0.54%, CFFN is not doing good in the industry: 74.18% 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 77.47% 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 75.95% of its industry peers.

In the last couple of years the Profit Margin of CFFN has declined.

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.

The number of shares outstanding for CFFN has been reduced compared to 5 years ago.

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

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

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

ROIC/WACCN/A

WACC8.53%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CFFN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.76%.

The earnings per share for CFFN have been decreasing by -10.33% on average. This is quite bad

Looking at the last year, CFFN shows a very strong growth in Revenue. The Revenue has grown by 568.86%.

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

The Earnings Per Share is expected to grow by 18.10% on average over the next years. This is quite good.

The Revenue is expected to grow by 10.10% on average over the next years. This is quite good.

EPS Next Y21.12%

EPS Next 2Y18.1%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.07%

Revenue Next 2Y10.1%

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.

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4. Valuation

4.1 Price/Earnings Ratio

CFFN is valuated correctly with a Price/Earnings ratio of 13.92.

62.53% of the companies in the same industry are cheaper than CFFN, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 26.69, CFFN is valued a bit cheaper.

The Price/Forward Earnings ratio is 10.73, which indicates a very decent valuation of CFFN.

The rest of the industry has a similar Price/Forward Earnings ratio as CFFN.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.29, CFFN is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.92
Fwd PE	10.73

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CFFN indicates a slightly more expensive valuation: CFFN is more expensive than 77.97% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	25.83
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 18.10% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.66

PEG (5Y)N/A

EPS Next 2Y18.1%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.84%, CFFN is a good candidate for dividend investing.

CFFN's Dividend Yield is rather good when compared to the industry average which is at 3.61. CFFN pays more dividend than 89.62% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.43, CFFN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.84%

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.

The dividend of CFFN decreased 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 2Y18.1%

EPS Next 3YN/A

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CAPITOL FEDERAL FINANCIAL IN

NASDAQ:CFFN (6/26/2025, 10:25:06 AM)

5.985

+0.06 (+0.93%)

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 Owners78.28%

Inst Owner Change1.16%

Ins Owners3.04%

Ins Owner Change2.99%

Market Cap794.81M

Analysts45.71

Price Target6.63 (10.78%)

Short Float %3.07%

Short Ratio3.63

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.84%

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)4%

PT rev (3m)-3.7%

EPS NQ rev (1m)-0.84%

EPS NQ rev (3m)7.27%

EPS NY rev (1m)-1.55%

EPS NY rev (3m)4.4%

Revenue NQ rev (1m)-0.16%

Revenue NQ rev (3m)3.34%

Revenue NY rev (1m)0.05%

Revenue NY rev (3m)2.49%

Valuation

		Industry Rank	Sector Rank
PE	13.92
Fwd PE	10.73
P/S	4.26
P/FCF	25.83
P/OCF	21.41
P/B	0.77
P/tB	0.77
EV/EBITDA	N/A

EPS(TTM)0.43

EY7.18%

EPS(NY)0.56

Fwd EY9.32%

FCF(TTM)0.23

FCFY3.87%

OCF(TTM)0.28

OCFY4.67%

SpS1.4

BVpS7.81

TBVpS7.81

PEG (NY)0.66

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

WACC8.53%

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 Y21.12%

EPS Next 2Y18.1%

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 Year10.07%

Revenue Next 2Y10.1%

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

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