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CAPITOL FEDERAL FINANCIAL IN (CFFN) Stock Fundamental Analysis

NASDAQ:CFFN - Nasdaq - US14057J1016 - Common Stock - Currency: USD

6.19  -0.02 (-0.32%)

After market: 6.19 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CFFN. CFFN was compared to 393 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.54%, CFFN is doing worse than 73.28% of the companies in the same industry.
CFFN has a Return On Equity of 5.06%. This is in the lower half of the industry: CFFN underperforms 76.59% of its industry peers.
Industry RankSector 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
CFFN Yearly ROA, ROE, ROICCFFN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

Looking at the Profit Margin, with a value of 28.16%, CFFN is in the better half of the industry, outperforming 76.08% of the companies in the same industry.
CFFN's Profit Margin has declined in the last couple of years.
CFFN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
CFFN Yearly Profit, Operating, Gross MarginsCFFN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100 200 300 400 500

5

2. Health

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.
CFFN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CFFN Yearly Shares OutstandingCFFN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
CFFN Yearly Total Debt VS Total AssetsCFFN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.53%
CFFN Yearly LT Debt VS Equity VS FCFCFFN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

5

3. Growth

3.1 Past

CFFN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -34.72%.
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 1020.12%.
The Revenue has been decreasing by -6.04% on average over the past years.
EPS 1Y (TTM)-34.72%
EPS 3Y-10.07%
EPS 5Y-10.33%
EPS Q2Q%40%
Revenue 1Y (TTM)1020.12%
Revenue growth 3Y-6.26%
Revenue growth 5Y-6.04%
Sales Q2Q%12.73%

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 18.10% yearly.
Based on estimates for the next years, CFFN will show a quite strong growth in Revenue. The Revenue will grow by 8.75% on average per year.
EPS Next Y21.12%
EPS Next 2Y18.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.77%
Revenue Next 2Y11.25%
Revenue Next 3Y8.75%
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 50M 100M 150M 200M
CFFN Yearly EPS VS EstimatesCFFN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.17, 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 27.91, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.09, which indicates a very decent valuation of CFFN.
The rest of the industry has a similar Price/Forward Earnings ratio as CFFN.
When comparing the Price/Forward Earnings ratio of CFFN to the average of the S&P500 Index (37.11), we can say CFFN is valued rather cheaply.
Industry RankSector Rank
PE 13.17
Fwd PE 11.09
CFFN Price Earnings VS Forward Price EarningsCFFN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CFFN is valued a bit more expensive than the industry average as 78.12% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 26.72
EV/EBITDA N/A
CFFN Per share dataCFFN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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.
A more expensive valuation may be justified as CFFN's earnings are expected to grow with 18.10% in the coming years.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y18.1%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

CFFN has a Yearly Dividend Yield of 5.46%, which is a nice return.
Compared to an average industry Dividend Yield of 3.39, CFFN pays a better dividend. On top of this CFFN pays more dividend than 88.55% 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 2.32.
Industry RankSector Rank
Dividend Yield 5.46%

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
CFFN Yearly Dividends per shareCFFN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

84.25% of the earnings are spent on dividend by CFFN. This is not a sustainable payout ratio.
DP84.25%
EPS Next 2Y18.1%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M
CFFN Dividend Payout.CFFN Dividend Payout, showing the Payout Ratio.CFFN Dividend Payout.PayoutRetained Earnings

CAPITOL FEDERAL FINANCIAL IN

NASDAQ:CFFN (7/29/2025, 6:16:47 PM)

After market: 6.19 0 (0%)

6.19

-0.02 (-0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/bmo
Earnings (Next)10-21 2025-10-21/bmo
Inst Owners78.28%
Inst Owner Change7.12%
Ins Owners3.04%
Ins Owner Change2.99%
Market Cap822.03M
Analysts43.33
Price Target6.63 (7.11%)
Short Float %3.11%
Short Ratio4.21
Dividend
Industry RankSector Rank
Dividend Yield 5.46%
Yearly Dividend0.33
Dividend Growth(5Y)-19.07%
DP84.25%
Div Incr Years0
Div Non Decr Years1
Ex-Date08-01 2025-08-01 (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)0%
PT rev (3m)4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.27%
EPS NY rev (1m)0%
EPS NY rev (3m)4.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.49%
Valuation
Industry RankSector Rank
PE 13.17
Fwd PE 11.09
P/S 4.41
P/FCF 26.72
P/OCF 22.14
P/B 0.79
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)0.47
EY7.59%
EPS(NY)0.56
Fwd EY9.01%
FCF(TTM)0.23
FCFY3.74%
OCF(TTM)0.28
OCFY4.52%
SpS1.4
BVpS7.81
TBVpS7.81
PEG (NY)0.62
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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)-34.72%
EPS 3Y-10.07%
EPS 5Y-10.33%
EPS Q2Q%40%
EPS Next Y21.12%
EPS Next 2Y18.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1020.12%
Revenue growth 3Y-6.26%
Revenue growth 5Y-6.04%
Sales Q2Q%12.73%
Revenue Next Year10.77%
Revenue Next 2Y11.25%
Revenue Next 3Y8.75%
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%