CAPITOL FEDERAL FINANCIAL IN (CFFN) Stock Fundamental Analysis
USA - NASDAQ:CFFN - US14057J1016 - Common Stock
6.195 USD
-0.02 (-0.4%)
6.195 USD
0 (0%)
CFFN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. The financial health of CFFN is average, but there are quite some concerns on its profitability. CFFN has a decent growth rate and is not valued too expensively.
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.
Of the past 5 years CFFN 4 years had a positive operating cash flow.
1.2 Ratios
CFFN's Return On Assets of 0.63% is on the low side compared to the rest of the industry. CFFN is outperformed by 68.46% of its industry peers.
With a Return On Equity value of 5.85%, CFFN is not doing good in the industry: 71.03% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.63% | ||
| ROE | 5.85% | ||
| ROIC | N/A |
ROA(3y)0.03%
ROA(5y)0.35%
ROE(3y)0.15%
ROE(5y)2.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CFFN (31.86%) is better than 85.13% of its industry peers.
CFFN's Profit Margin has improved 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.86% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.77%
PM growth 5Y1.85%
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.
The number of shares outstanding for CFFN has been reduced compared to 1 year ago.
CFFN has less shares outstanding than it did 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.
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
WACC8.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 30.00% over the past year.
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.
The Revenue has grown by 20.16% in the past year. This is a very strong growth!
The Revenue has been decreasing by -0.76% on average over the past years.
EPS 1Y (TTM)30%
EPS 3Y-5.69%
EPS 5Y2.48%
EPS Q2Q%55.56%
Revenue 1Y (TTM)20.16%
Revenue growth 3Y-2.27%
Revenue growth 5Y-0.76%
Sales Q2Q%19.5%
3.2 Future
The Earnings Per Share is expected to grow by 12.48% on average over the next years. This is quite good.
CFFN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.61% yearly.
EPS Next Y19.95%
EPS Next 2Y12.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.04%
Revenue Next 2Y14.61%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.91, which indicates a very decent valuation of CFFN.
Compared to the rest of the industry, the Price/Earnings ratio of CFFN is on the same level as its industry peers.
CFFN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.06.
Based on the Price/Forward Earnings ratio of 9.93, the valuation of CFFN can be described as reasonable.
CFFN's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, CFFN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.91 | ||
| Fwd PE | 9.93 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFFN is valued a bit more expensive than the industry average as 78.21% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 32.78 | ||
| EV/EBITDA | N/A |
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.
CFFN's earnings are expected to grow with 12.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)4.8
EPS Next 2Y12.48%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CFFN has a Yearly Dividend Yield of 5.47%, which is a nice return.
CFFN's Dividend Yield is rather good when compared to the industry average which is at 3.38. CFFN pays more dividend than 90.51% of the companies in the same industry.
CFFN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
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
5.3 Sustainability
CFFN pays out 72.27% of its income as dividend. This is not a sustainable payout ratio.
DP72.27%
EPS Next 2Y12.48%
EPS Next 3YN/A
6.195
-0.02 (-0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.39%
Inst Owner Change-6.99%
Ins Owners3.04%
Ins Owner Change0.3%
Market Cap822.82M
Revenue(TTM)201.04M
Net Income(TTM)61.20M
Analysts45.71
Price Target6.89 (11.22%)
Short Float %2.8%
Short Ratio5.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
Yearly Dividend0.33
Dividend Growth(5Y)-19.07%
DP72.27%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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)3.85%
PT rev (3m)3.85%
EPS NQ rev (1m)1.47%
EPS NQ rev (3m)1.47%
EPS NY rev (1m)2.43%
EPS NY rev (3m)11.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)13.7%
Revenue NY rev (3m)13.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.91 | ||
| Fwd PE | 9.93 | ||
| P/S | 4.28 | ||
| P/FCF | 32.78 | ||
| P/OCF | 27.04 | ||
| P/B | 0.79 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.52
EY8.39%
EPS(NY)0.62
Fwd EY10.07%
FCF(TTM)0.19
FCFY3.05%
OCF(TTM)0.23
OCFY3.7%
SpS1.45
BVpS7.88
TBVpS7.88
PEG (NY)0.6
PEG (5Y)4.8
Graham Number9.6
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)0.03%
ROA(5y)0.35%
ROE(3y)0.15%
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-4.77%
PM growth 5Y1.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
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-Score5
WACC8.33%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30%
EPS 3Y-5.69%
EPS 5Y2.48%
EPS Q2Q%55.56%
EPS Next Y19.95%
EPS Next 2Y12.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.16%
Revenue growth 3Y-2.27%
Revenue growth 5Y-0.76%
Sales Q2Q%19.5%
Revenue Next Year27.04%
Revenue Next 2Y14.61%
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-37.9%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-36.22%
OCF growth 3YN/A
OCF growth 5YN/A
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.
Can you provide the valuation status for CAPITOL FEDERAL FINANCIAL IN?
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.
What are the PE and PB ratios of CAPITOL FEDERAL FINANCIAL IN (CFFN) stock?
The Price/Earnings (PE) ratio for CAPITOL FEDERAL FINANCIAL IN (CFFN) is 11.91 and the Price/Book (PB) ratio is 0.79.
Can you provide the dividend sustainability for CFFN stock?
The dividend rating of CAPITOL FEDERAL FINANCIAL IN (CFFN) is 5 / 10 and the dividend payout ratio is 72.27%.