CFFN Fundamental Analysis - CAPITOL FEDERAL FINANCIAL IN

Fundamental Rating

CFFN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 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.

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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.

Of the past 5 years CFFN 4 years were profitable.

Each year in the past 5 years CFFN had a positive operating cash flow.

1.2 Ratios

The Return On Assets of CFFN (0.63%) is worse than 67.77% of its industry peers.

The Return On Equity of CFFN (5.85%) is worse than 70.33% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.63%
ROE	5.85%
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

With an excellent Profit Margin value of 31.86%, CFFN belongs to the best of the industry, outperforming 85.68% of the companies in the same industry.

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

CFFN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	31.86%
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.

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.

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

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for CFFN have decreased strongly by -34.72% 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 644.51%.

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)-34.72%

EPS 3Y-10.07%

EPS 5Y-10.33%

EPS Q2Q%40%

Revenue 1Y (TTM)644.51%

Revenue growth 3Y-6.26%

Revenue growth 5Y-6.04%

Sales Q2Q%12.73%

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 18.59% on average per year.

The Revenue is expected to grow by 8.75% on average over the next years. This is quite good.

EPS Next Y31.83%

EPS Next 2Y23.38%

EPS Next 3Y18.59%

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.

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

With a Price/Earnings ratio of 13.72, CFFN is valued correctly.

CFFN's Price/Earnings ratio is in line with the industry average.

CFFN is valuated rather cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 10.59, the valuation of CFFN can be described as reasonable.

CFFN's Price/Forward Earnings is on the same level as the industry average.

The average S&P500 Price/Forward Earnings ratio is at 22.54. CFFN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	13.72
Fwd PE	10.59

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 78.01% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	34.13
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 18.59% in the coming years.

PEG (NY)0.43

PEG (5Y)N/A

EPS Next 2Y23.38%

EPS Next 3Y18.59%

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5. Dividend

5.1 Amount

CFFN has a Yearly Dividend Yield of 5.19%, which is a nice return.

Compared to an average industry Dividend Yield of 3.56, CFFN pays a better dividend. On top of this CFFN pays more dividend than 84.40% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.45, CFFN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.19%

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.

CFFN has decreased its dividend recently.

Dividend Growth(5Y)-19.07%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

CFFN pays out 72.27% of its income as dividend. This is not a sustainable payout ratio.

DP72.27%

EPS Next 2Y23.38%

EPS Next 3Y18.59%

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CAPITOL FEDERAL FINANCIAL IN

NASDAQ:CFFN (9/10/2025, 8:00:00 PM)

After market: 6.45 0 (0%)

6.45

+0.04 (+0.62%)

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 Owners78.06%

Inst Owner Change7.72%

Ins Owners3.04%

Ins Owner Change2.44%

Market Cap856.69M

Analysts43.33

Price Target6.63 (2.79%)

Short Float %2.55%

Short Ratio4.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.19%

Yearly Dividend0.33

Dividend Growth(5Y)-19.07%

DP72.27%

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)11.63%

Min EPS beat(2)6.95%

Max EPS beat(2)16.32%

EPS beat(4)4

Avg EPS beat(4)11.27%

Min EPS beat(4)6.95%

Max EPS beat(4)16.32%

EPS beat(8)6

Avg EPS beat(8)167.17%

EPS beat(12)7

Avg EPS beat(12)110.36%

EPS beat(16)11

Avg EPS beat(16)85.71%

Revenue beat(2)0

Avg Revenue beat(2)-1.21%

Min Revenue beat(2)-2.29%

Max Revenue beat(2)-0.13%

Revenue beat(4)0

Avg Revenue beat(4)-2.79%

Min Revenue beat(4)-5.79%

Max Revenue beat(4)-0.13%

Revenue beat(8)1

Avg Revenue beat(8)-2.89%

Revenue beat(12)4

Avg Revenue beat(12)-1.03%

Revenue beat(16)7

Avg Revenue beat(16)1.64%

PT rev (1m)0%

PT rev (3m)4%

EPS NQ rev (1m)0%

EPS NQ rev (3m)17.75%

EPS NY rev (1m)8.84%

EPS NY rev (3m)7.15%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)6.48%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.69%

Valuation

		Industry Rank	Sector Rank
PE	13.72
Fwd PE	10.59
P/S	4.46
P/FCF	34.13
P/OCF	28.16
P/B	0.82
P/tB	0.82
EV/EBITDA	N/A

EPS(TTM)0.47

EY7.29%

EPS(NY)0.61

Fwd EY9.44%

FCF(TTM)0.19

FCFY2.93%

OCF(TTM)0.23

OCFY3.55%

SpS1.45

BVpS7.88

TBVpS7.88

PEG (NY)0.43

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.63%
ROE	5.85%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.86%
GM	N/A
FCFM	13.07%

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	67.58%
Cap/Sales	2.77%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	41.01%
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 Y31.83%

EPS Next 2Y23.38%

EPS Next 3Y18.59%

EPS Next 5YN/A

Revenue 1Y (TTM)644.51%

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-59.84%

FCF growth 3Y-28.3%

FCF growth 5Y-19.09%

OCF growth 1Y-55.26%

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

More info and screens