CAPITOL FEDERAL FINANCIAL IN (CFFN)
US14057J1016 - Common Stock
Taking everything into account, CFFN scores 4 out of 10 in our fundamental rating. CFFN was compared to 412 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 valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CFFN was profitable.
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
CFFN has a worse Return On Assets (-1.20%) than 98.54% of its industry peers.
CFFN has a Return On Equity of -11.15%. This is amonst the worse of the industry: CFFN underperforms 98.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.2% | ||
| ROE | -11.15% | ||
| ROIC | N/A |
ROA(3y)0.22%
ROA(5y)0.47%
ROE(3y)1.38%
ROE(5y)3.24%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CFFN's Profit Margin has improved in the last couple of years.
The Profit Margin and 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) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y162.55%
PM growth 5Y65.66%
GM growth 3YN/A
GM growth 5YN/A
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
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
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFFN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.24%, which is quite good.
CFFN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.18% yearly.
The Revenue for CFFN has decreased by -117.95% in the past year. This is quite bad
EPS 1Y (TTM)17.24%
EPS 3Y15.02%
EPS 5Y1.18%
EPS growth Q2Q-16.67%
Revenue 1Y (TTM)-117.95%
Revenue growth 3YN/A
Revenue growth 5YN/A
Revenue growth Q2Q-40.02%
3.2 Future
CFFN is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -12.54% yearly.
Based on estimates for the next years, CFFN will show a quite strong growth in Revenue. The Revenue will grow by 10.18% on average per year.
EPS Next Y-35.16%
EPS Next 2Y-12.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.88%
Revenue Next 2Y10.18%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.59, which indicates a rather cheap valuation of CFFN.
CFFN's Price/Earnings ratio is a bit cheaper when compared to the industry. CFFN is cheaper than 74.03% of the companies in the same industry.
When comparing the Price/Earnings ratio of CFFN to the average of the S&P500 Index (24.80), we can say CFFN is valued rather cheaply.
The Price/Forward Earnings ratio is 9.64, which indicates a very decent valuation of CFFN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFFN is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of CFFN to the average of the S&P500 Index (21.27), we can say CFFN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.59 | ||
| Fwd PE | 9.64 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFFN is valued expensively inside the industry as 83.25% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as CFFN's earnings are expected to decrease with -12.54% in the coming years.
PEG (NY)N/A
PEG (5Y)6.41
EPS Next 2Y-12.54%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.38%, CFFN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.91, CFFN pays a better dividend. On top of this CFFN pays more dividend than 91.75% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, CFFN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.38% |
5.2 History
The dividend of CFFN decreases each year by -6.50%.
CFFN has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-6.5%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The earnings of CFFN are negative and hence is the payout ratio. CFFN will probably not be able to sustain this dividend level.
CFFN's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-39.27%
EPS Next 2Y-12.54%
EPS Next 3YN/A
CAPITOL FEDERAL FINANCIAL IN
NASDAQ:CFFN (4/18/2024, 7:00:00 PM)
After market: 5.16 0 (0%)5.16
+0.04 (+0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap690.05M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.38% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.59 | ||
| Fwd PE | 9.64 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)6.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.2% | ||
| ROE | -11.15% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)17.24%
EPS 3Y15.02%
EPS 5Y
EPS growth Q2Q
EPS Next Y-35.16%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-117.95%
Revenue growth 3YN/A
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y