CFFN Fundamental Analysis - CAPITOL FEDERAL FINANCIAL IN

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CFFN. CFFN was compared to 393 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 decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year CFFN was profitable.

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

Looking at the Return On Assets, with a value of 0.54%, CFFN is doing worse than 73.28% of the companies in the same industry.

CFFN has a Return On Equity of 5.06%. This is in the lower half of the industry: CFFN underperforms 76.59% 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

Looking at the Profit Margin, with a value of 28.16%, CFFN is in the better half of the industry, outperforming 76.08% of the companies in the same industry.

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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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

The number of shares outstanding for CFFN has been reduced compared to 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

WACC8.53%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

CFFN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -34.72%.

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 1020.12%.

The Revenue has been decreasing by -6.04% on average over the past years.

EPS 1Y (TTM)-34.72%

EPS 3Y-10.07%

EPS 5Y-10.33%

EPS Q2Q%40%

Revenue 1Y (TTM)1020.12%

Revenue growth 3Y-6.26%

Revenue growth 5Y-6.04%

Sales Q2Q%12.73%

3.2 Future

CFFN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.10% yearly.

Based on estimates for the next years, CFFN will show a quite strong growth in Revenue. The Revenue will grow by 8.75% on average per year.

EPS Next Y21.12%

EPS Next 2Y18.1%

EPS Next 3YN/A

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.17, CFFN is valued correctly.

The rest of the industry has a similar Price/Earnings ratio as CFFN.

CFFN is valuated cheaply when we compare the Price/Earnings ratio to 27.91, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 11.09, which indicates a very decent valuation of CFFN.

The rest of the industry has a similar Price/Forward Earnings ratio as CFFN.

When comparing the Price/Forward Earnings ratio of CFFN to the average of the S&P500 Index (37.11), we can say CFFN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.17
Fwd PE	11.09

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CFFN is valued a bit more expensive than the industry average as 78.12% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	26.72
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.

A more expensive valuation may be justified as CFFN's earnings are expected to grow with 18.10% in the coming years.

PEG (NY)0.62

PEG (5Y)N/A

EPS Next 2Y18.1%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

CFFN has a Yearly Dividend Yield of 5.46%, which is a nice return.

Compared to an average industry Dividend Yield of 3.39, CFFN pays a better dividend. On top of this CFFN pays more dividend than 88.55% 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 2.32.

		Industry Rank	Sector Rank
Dividend Yield	5.46%

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.

The dividend of CFFN decreased recently.

Dividend Growth(5Y)-19.07%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

84.25% of the earnings are spent on dividend by CFFN. This is not a sustainable payout ratio.

DP84.25%

EPS Next 2Y18.1%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

CAPITOL FEDERAL FINANCIAL IN

NASDAQ:CFFN (7/29/2025, 6:16:47 PM)

After market: 6.19 0 (0%)

6.19

-0.02 (-0.32%)

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 Owners78.28%

Inst Owner Change7.12%

Ins Owners3.04%

Ins Owner Change2.99%

Market Cap822.03M

Analysts43.33

Price Target6.63 (7.11%)

Short Float %3.11%

Short Ratio4.21

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.46%

Yearly Dividend0.33

Dividend Growth(5Y)-19.07%

DP84.25%

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)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)4%

EPS NQ rev (1m)0%

EPS NQ rev (3m)7.27%

EPS NY rev (1m)0%

EPS NY rev (3m)4.4%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.34%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.49%

Valuation

		Industry Rank	Sector Rank
PE	13.17
Fwd PE	11.09
P/S	4.41
P/FCF	26.72
P/OCF	22.14
P/B	0.79
P/tB	0.79
EV/EBITDA	N/A

EPS(TTM)0.47

EY7.59%

EPS(NY)0.56

Fwd EY9.01%

FCF(TTM)0.23

FCFY3.74%

OCF(TTM)0.28

OCFY4.52%

SpS1.4

BVpS7.81

TBVpS7.81

PEG (NY)0.62

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

WACC8.53%

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 Y21.12%

EPS Next 2Y18.1%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1020.12%

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-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