CAPITOL FEDERAL FINANCIAL IN (CFFN) Stock Fundamental Analysis

NASDAQ:CFFN • US14057J1016

7.49 USD
+0.19 (+2.6%)
At close: Feb 25, 2026
7.49 USD
0 (0%)
After Hours: 2/25/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, CFFN scores 5 out of 10 in our fundamental rating. CFFN was compared to 379 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

3

1. Profitability

1.1 Basic Checks

  • CFFN had positive earnings in the past year.
  • In the past year CFFN had a positive cash flow from operations.
  • Of the past 5 years CFFN 4 years were profitable.
  • Each year in the past 5 years CFFN had a positive operating cash flow.
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

  • The Return On Assets of CFFN (0.69%) is worse than 67.02% 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 68.34% of its industry peers.
Industry RankSector 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
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

  • CFFN has a Profit Margin of 33.80%. This is amongst the best in the industry. CFFN outperforms 87.34% of its industry peers.
  • In the last couple of years the Profit Margin of CFFN has grown nicely.
  • 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) 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • Compared to 1 year ago, CFFN has an improved debt to assets ratio.
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 a debt to FCF ratio of 0.02. This is a very positive value and a sign of high solvency as it would only need 0.02 years to pay back of all of its debts.
  • The Debt to FCF ratio of CFFN (0.02) is better than 89.18% of its industry peers.
  • CFFN has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of CFFN (0.00) is better than 87.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.02
Altman-Z N/A
ROIC/WACCN/A
WACC9.48%
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. Growth

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.
  • Measured over the past 5 years, CFFN shows a small growth in Earnings Per Share. The EPS has been growing by 2.48% on average per year.
  • CFFN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.92%.
  • 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

  • Based on estimates for the next years, CFFN will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.66% on average per year.
  • 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 Year28.12%
Revenue Next 2Y18.23%
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.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.37, CFFN is valued correctly.
  • The rest of the industry has a similar Price/Earnings ratio as CFFN.
  • CFFN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.05.
  • The Price/Forward Earnings ratio is 10.06, which indicates a very decent valuation of CFFN.
  • Based on the Price/Forward Earnings ratio, CFFN is valued a bit cheaper than 65.44% of the companies in the same industry.
  • CFFN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
Industry RankSector Rank
PE 13.37
Fwd PE 10.06
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

  • CFFN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CFFN is more expensive than 71.77% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.51
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)0.43
PEG (5Y)5.39
EPS Next 2Y19.66%
EPS Next 3YN/A

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

5

5. Dividend

5.1 Amount

  • CFFN has a Yearly Dividend Yield of 4.50%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.74, CFFN pays a better dividend. On top of this CFFN pays more dividend than 86.81% 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 1.80.
Industry RankSector Rank
Dividend Yield 4.5%

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

  • 65.13% of the earnings are spent on dividend by CFFN. This is not a sustainable payout ratio.
DP65.13%
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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Find the best dividend stocksShow peers with best dividend

CAPITOL FEDERAL FINANCIAL IN

NASDAQ:CFFN (2/25/2026, 8:00:01 PM)

After market: 7.49 0 (0%)

7.49

+0.19 (+2.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners78.9%
Inst Owner Change-2.49%
Ins Owners2.55%
Ins Owner Change0.28%
Market Cap972.50M
Revenue(TTM)210.91M
Net Income(TTM)67.94M
Analysts45.71
Price Target7.91 (5.61%)
Short Float %2.97%
Short Ratio3.48
Dividend
Industry RankSector Rank
Dividend Yield 4.5%
Yearly Dividend0.33
Dividend Growth(5Y)-12.99%
DP65.13%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-06
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)10.71%
PT rev (3m)14.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.36%
EPS NY rev (1m)5.26%
EPS NY rev (3m)9.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.85%
Revenue NY rev (3m)0.85%
Valuation
Industry RankSector Rank
PE 13.37
Fwd PE 10.06
P/S 4.84
P/FCF 19.51
P/OCF 17.67
P/B 0.93
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)0.56
EY7.48%
EPS(NY)0.74
Fwd EY9.94%
FCF(TTM)0.38
FCFY5.12%
OCF(TTM)0.42
OCFY5.66%
SpS1.55
BVpS8.07
TBVpS8
PEG (NY)0.43
PEG (5Y)5.39
Graham Number10.08
Profitability
Industry RankSector 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 RankSector 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
WACC9.48%
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 Year28.12%
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 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 5 / 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.