CFFN Fundamental Analysis - CAPITOL FEDERAL FINANCIAL IN

Fundamental Rating

Taking everything into account, CFFN scores 4 out of 10 in our fundamental rating. CFFN was compared to 395 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 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.

In the past year CFFN had a positive cash flow from operations.

Of the past 5 years CFFN 4 years were profitable.

CFFN had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

CFFN has a worse Return On Assets (0.54%) than 73.67% of its industry peers.

The Return On Equity of CFFN (5.06%) is worse than 77.47% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.54%
ROE	5.06%
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

CFFN's Profit Margin of 28.16% is fine compared to the rest of the industry. CFFN outperforms 76.71% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	28.16%
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.

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

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

WACC8.4%

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 -36.76% in the last year.

CFFN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.33% yearly.

CFFN shows a strong growth in Revenue. In the last year, the Revenue has grown by 568.86%.

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)568.86%

Revenue growth 3Y-6.26%

Revenue growth 5Y-6.04%

Sales Q2Q%6.1%

3.2 Future

The Earnings Per Share is expected to grow by 17.73% on average over the next years. This is quite good.

The Revenue is expected to grow by 9.91% on average over the next years. This is quite good.

EPS Next Y23.04%

EPS Next 2Y17.73%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.02%

Revenue Next 2Y9.91%

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.

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

CFFN is valuated correctly with a Price/Earnings ratio of 13.28.

Based on the Price/Earnings ratio, CFFN is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.

When comparing the Price/Earnings ratio of CFFN to the average of the S&P500 Index (26.25), we can say CFFN is valued slightly cheaper.

The Price/Forward Earnings ratio is 10.30, which indicates a very decent valuation of CFFN.

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

When comparing the Price/Forward Earnings ratio of CFFN to the average of the S&P500 Index (22.15), we can say CFFN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.28
Fwd PE	10.3

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CFFN is valued a bit more expensive than 78.23% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	24.64
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 17.73% in the coming years.

PEG (NY)0.58

PEG (5Y)N/A

EPS Next 2Y17.73%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CFFN has a Yearly Dividend Yield of 6.02%, which is a nice return.

Compared to an average industry Dividend Yield of 3.45, CFFN pays a better dividend. On top of this CFFN pays more dividend than 93.16% 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 2.40.

		Industry Rank	Sector Rank
Dividend Yield	6.02%

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.

The dividend of CFFN decreased recently.

Dividend Growth(5Y)-19.07%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

CFFN pays out 84.25% of its income as dividend. This is not a sustainable payout ratio.

DP84.25%

EPS Next 2Y17.73%

EPS Next 3YN/A

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CAPITOL FEDERAL FINANCIAL IN

NASDAQ:CFFN (5/30/2025, 8:00:00 PM)

After market: 5.71 0 (0%)

5.71

-0.01 (-0.17%)

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 Change1.15%

Ins Owners2.98%

Ins Owner Change3.53%

Market Cap758.29M

Analysts45.71

Price Target6.38 (11.73%)

Short Float %3.21%

Short Ratio4.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.02%

Yearly Dividend0.33

Dividend Growth(5Y)-19.07%

DP84.25%

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)9.23%

Min EPS beat(2)6.95%

Max EPS beat(2)11.51%

EPS beat(4)3

Avg EPS beat(4)4.47%

Min EPS beat(4)-10.87%

Max EPS beat(4)11.51%

EPS beat(8)5

Avg EPS beat(8)164.78%

EPS beat(12)7

Avg EPS beat(12)109.21%

EPS beat(16)11

Avg EPS beat(16)84.81%

Revenue beat(2)0

Avg Revenue beat(2)-2.96%

Min Revenue beat(2)-5.79%

Max Revenue beat(2)-0.13%

Revenue beat(4)0

Avg Revenue beat(4)-3.95%

Min Revenue beat(4)-6.91%

Max Revenue beat(4)-0.13%

Revenue beat(8)1

Avg Revenue beat(8)-3.62%

Revenue beat(12)5

Avg Revenue beat(12)0.18%

Revenue beat(16)8

Avg Revenue beat(16)2.27%

PT rev (1m)0%

PT rev (3m)-7.41%

EPS NQ rev (1m)8.18%

EPS NQ rev (3m)8.18%

EPS NY rev (1m)6.04%

EPS NY rev (3m)6.04%

Revenue NQ rev (1m)3.51%

Revenue NQ rev (3m)3.51%

Revenue NY rev (1m)2.44%

Revenue NY rev (3m)2.44%

Valuation

		Industry Rank	Sector Rank
PE	13.28
Fwd PE	10.3
P/S	4.07
P/FCF	24.64
P/OCF	20.42
P/B	0.73
P/tB	0.73
EV/EBITDA	N/A

EPS(TTM)0.43

EY7.53%

EPS(NY)0.55

Fwd EY9.71%

FCF(TTM)0.23

FCFY4.06%

OCF(TTM)0.28

OCFY4.9%

SpS1.4

BVpS7.81

TBVpS7.81

PEG (NY)0.58

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.54%
ROE	5.06%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.16%
GM	N/A
FCFM	16.51%

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	77.73%
Cap/Sales	3.41%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	58.63%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.4%

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 Y23.04%

EPS Next 2Y17.73%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)568.86%

Revenue growth 3Y-6.26%

Revenue growth 5Y-6.04%

Sales Q2Q%6.1%

Revenue Next Year10.02%

Revenue Next 2Y9.91%

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-61.59%

FCF growth 3Y-28.3%

FCF growth 5Y-19.09%

OCF growth 1Y-56.57%

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