CAPITOL FEDERAL FINANCIAL IN (CFFN)
US14057J1016 - Common Stock
CFFN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 416 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 expensive valuation and it also scores bad on growth.
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.
CFFN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
CFFN's Return On Assets of 0.57% is on the low side compared to the rest of the industry. CFFN is outperformed by 84.58% of its industry peers.
Looking at the Return On Equity, with a value of 5.48%, CFFN is doing worse than 86.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 5.48% | ||
| ROIC | N/A |
ROA(3y)0.78%
ROA(5y)0.88%
ROE(3y)6.3%
ROE(5y)6.61%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CFFN's Profit Margin of 29.92% is fine compared to the rest of the industry. CFFN outperforms 70.12% of its industry peers.
In the last couple of years the Profit Margin of CFFN has remained more or less at the same level.
The 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) | 29.92% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.69%
PM growth 5Y0.27%
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.
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
WACC7.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CFFN have decreased strongly by -30.65% in the last year.
Looking at the last year, CFFN shows a decrease in Revenue. The Revenue has decreased by -7.65% in the last year.
Measured over the past years, CFFN shows a decrease in Revenue. The Revenue has been decreasing by -0.20% on average per year.
EPS 1Y (TTM)-30.65%
EPS 3Y-3.5%
EPS 5Y0%
EPS growth Q2Q-62.5%
Revenue 1Y (TTM)-7.65%
Revenue growth 3Y-1.93%
Revenue growth 5Y-0.2%
Revenue growth Q2Q-27.7%
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 -18.50% yearly.
CFFN is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -17.05% yearly.
EPS Next Y-47.35%
EPS Next 2Y-41.5%
EPS Next 3Y-18.5%
EPS Next 5YN/A
Revenue Next Year-20.05%
Revenue Next 2Y-17.05%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.53 indicates a correct valuation of CFFN.
81.93% of the companies in the same industry are cheaper than CFFN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CFFN to the average of the S&P500 Index (24.69), we can say CFFN is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 25.41, the valuation of CFFN can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFFN indicates a slightly more expensive valuation: CFFN is more expensive than 79.04% of the companies listed in the same industry.
CFFN is valuated rather expensively when we compare the Price/Forward Earnings ratio to 19.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.53 | ||
| Fwd PE | 25.41 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CFFN is valued a bit more expensive than 71.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.72 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as CFFN's earnings are expected to decrease with -18.50% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-41.5%
EPS Next 3Y-18.5%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.55%, CFFN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.95, CFFN pays a better dividend. On top of this CFFN pays more dividend than 93.98% 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 2.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.55% |
5.2 History
The dividend of CFFN decreases each year by -2.80%.
CFFN has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-2.8%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
143.15% of the earnings are spent on dividend by CFFN. This is not a sustainable payout ratio.
CFFN's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP143.15%
EPS Next 2Y-41.5%
EPS Next 3Y-18.5%
CAPITOL FEDERAL FINANCIAL IN
NASDAQ:CFFN (11/30/2023, 4:56:41 PM)
After market: 5.3902 0 (0%)5.39
-0.08 (-1.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-25 2023-10-25/bmo
Earnings (Next)01-23 2024-01-23/bmo
Inst Owners76.26%
Inst Owner Change-3.26%
Ins Owners1.88%
Ins Owner Change3.06%
Market Cap732.72M
Analysts45.71
Price Target5.61 (4.08%)
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.55% |
Dividend Growth(5Y)-2.8%
DP143.15%
Div Incr Years0
Div Non Decr Years0
Ex-Date11-02 2023-11-02 (0.085)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.22%
Min EPS beat(2)-2.77%
Max EPS beat(2)5.21%
EPS beat(4)1
Avg EPS beat(4)-3.26%
Min EPS beat(4)-8.5%
Max EPS beat(4)5.21%
Revenue beat(2)2
Avg Revenue beat(2)6.2%
Min Revenue beat(2)5.19%
Max Revenue beat(2)7.22%
Revenue beat(4)4
Avg Revenue beat(4)6.52%
Min Revenue beat(4)5.19%
Max Revenue beat(4)8.01%
PT rev (1m)-15.38%
PT rev (3m)-24.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.53 | ||
| Fwd PE | 25.41 | ||
| P/S | 3.77 | ||
| P/FCF | 11.72 | ||
| P/OCF | 10.78 | ||
| P/B | 0.69 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.43
EY7.98%
EPS(NY)0.21
Fwd EY3.94%
FCF(TTM)0.46
FCFY8.53%
OCF(TTM)0.5
OCFY9.28%
SpS1.43
BVpS7.8
TBVpS7.8
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 5.48% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.92% | ||
| GM | N/A | ||
| FCFM | 32.14% |
ROA(3y)0.78%
ROA(5y)0.88%
ROE(3y)6.3%
ROE(5y)6.61%
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-1.69%
PM growth 5Y0.27%
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 | 52.88% | ||
| Cap/Sales | 2.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 107.41% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.04%
ROIC/WACCN/A
Cap/Depr(3y)89.91%
Cap/Depr(5y)101.6%
Cap/Sales(3y)4.75%
Cap/Sales(5y)4.95%
Profit Quality(3y)105.18%
Profit Quality(5y)100.53%
Growth
EPS 1Y (TTM)-30.65%
EPS 3Y-3.5%
EPS 5Y0%
EPS growth Q2Q-62.5%
EPS Next Y-47.35%
EPS Next 2Y-41.5%
EPS Next 3Y-18.5%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.65%
Revenue growth 3Y-1.93%
Revenue growth 5Y-0.2%
Revenue growth Q2Q-27.7%
Revenue Next Year-20.05%
Revenue Next 2Y-17.05%
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 1Y1.13%
FCF growth 3Y9.84%
FCF growth 5Y3.75%
OCF growth 1Y-9.57%
OCF growth 3Y6.35%
OCF growth 5Y2.64%