Logo image of CFFN

CAPITOL FEDERAL FINANCIAL IN (CFFN) Stock Fundamental Analysis

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

5.705  +0.08 (+1.33%)

Fundamental Rating

4

Taking everything into account, CFFN scores 4 out of 10 in our fundamental rating. CFFN was compared to 397 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 is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

In the past year CFFN was profitable.
CFFN had a positive operating cash flow in the past year.
CFFN had positive earnings in 4 of the past 5 years.
In the past 5 years CFFN always reported a positive cash flow from operatings.
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

CFFN's Return On Assets of 0.53% is on the low side compared to the rest of the industry. CFFN is outperformed by 72.54% of its industry peers.
CFFN has a worse Return On Equity (4.95%) than 76.57% of its industry peers.
Industry RankSector Rank
ROA 0.53%
ROE 4.95%
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

CFFN has a Profit Margin of 27.71%. This is in the better half of the industry: CFFN outperforms 74.31% of its industry peers.
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) 27.71%
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
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.
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
WACC8.41%
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

The earnings per share for CFFN have decreased strongly by -36.76% in the last year.
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)-36.76%
EPS 3Y-10.07%
EPS 5Y-10.33%
EPS Q2Q%9.09%
Revenue 1Y (TTM)1020.12%
Revenue growth 3Y-6.26%
Revenue growth 5Y-6.04%
Sales Q2Q%18.08%

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 15.15% yearly.
The Revenue is expected to grow by 8.44% on average over the next years. This is quite good.
EPS Next Y16.02%
EPS Next 2Y15.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.39%
Revenue Next 2Y8.44%
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.
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 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

3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.27, the valuation of CFFN can be described as correct.
CFFN's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 24.29, CFFN is valued a bit cheaper.
With a Price/Forward Earnings ratio of 10.76, the valuation of CFFN can be described as very reasonable.
CFFN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CFFN is more expensive than 60.20% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.42, CFFN is valued a bit cheaper.
Industry RankSector Rank
PE 13.27
Fwd PE 10.76
CFFN Price Earnings VS Forward Price EarningsCFFN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CFFN is valued a bit more expensive than the industry average as 75.06% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 21.61
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

The 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 15.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.83
PEG (5Y)N/A
EPS Next 2Y15.15%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.93%, CFFN is a good candidate for dividend investing.
CFFN's Dividend Yield is rather good when compared to the industry average which is at 3.49. CFFN pays more dividend than 92.70% of the companies in the same industry.
CFFN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 5.93%

5.2 History

The dividend of CFFN decreases each year by -19.07%.
CFFN has paid a dividend for at least 10 years, which is a reliable track record.
CFFN has decreased its dividend 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

87.07% of the earnings are spent on dividend by CFFN. This is not a sustainable payout ratio.
DP87.07%
EPS Next 2Y15.15%
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 (5/7/2025, 10:33:58 AM)

5.705

+0.08 (+1.33%)

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 Change-0.55%
Ins Owners2.98%
Ins Owner Change2.97%
Market Cap757.57M
Analysts45.71
Price Target6.38 (11.83%)
Short Float %3.15%
Short Ratio4.87
Dividend
Industry RankSector Rank
Dividend Yield 5.93%
Yearly Dividend0.33
Dividend Growth(5Y)-19.07%
DP87.07%
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)10.9%
Min EPS beat(2)10.29%
Max EPS beat(2)11.51%
EPS beat(4)2
Avg EPS beat(4)2.7%
Min EPS beat(4)-10.87%
Max EPS beat(4)11.51%
EPS beat(8)5
Avg EPS beat(8)164.56%
EPS beat(12)7
Avg EPS beat(12)109.63%
EPS beat(16)11
Avg EPS beat(16)85.72%
Revenue beat(2)0
Avg Revenue beat(2)-4.38%
Min Revenue beat(2)-5.79%
Max Revenue beat(2)-2.96%
Revenue beat(4)0
Avg Revenue beat(4)-4.81%
Min Revenue beat(4)-6.91%
Max Revenue beat(4)-2.96%
Revenue beat(8)2
Avg Revenue beat(8)-2.96%
Revenue beat(12)6
Avg Revenue beat(12)1.17%
Revenue beat(16)9
Avg Revenue beat(16)3.94%
PT rev (1m)-7.41%
PT rev (3m)-10.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)3.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-9.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-9.26%
Valuation
Industry RankSector Rank
PE 13.27
Fwd PE 10.76
P/S 4.13
P/FCF 21.61
P/OCF 17.98
P/B 0.74
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)0.43
EY7.54%
EPS(NY)0.53
Fwd EY9.3%
FCF(TTM)0.26
FCFY4.63%
OCF(TTM)0.32
OCFY5.56%
SpS1.38
BVpS7.73
TBVpS7.73
PEG (NY)0.83
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 4.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.71%
GM N/A
FCFM 19.1%
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 83.75%
Cap/Sales 3.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 68.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.41%
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 Y16.02%
EPS Next 2Y15.15%
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%18.08%
Revenue Next Year7.39%
Revenue Next 2Y8.44%
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-59.43%
FCF growth 3Y-28.3%
FCF growth 5Y-19.09%
OCF growth 1Y-54.01%
OCF growth 3Y-25.2%
OCF growth 5Y-17.36%