CAPITOL FEDERAL FINANCIAL IN(NASDAQ:CFFN) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, CFFN scores 4 out of 10 in our fundamental rating. CFFN was compared to 397 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 is valied quite expensively at the moment, while it does show a decent growth rate.

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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.

In the past 5 years CFFN always reported a positive cash flow from operatings.

1.2 Ratios

CFFN's Return On Assets of 0.53% is on the low side compared to the rest of the industry. CFFN is outperformed by 72.54% of its industry peers.

CFFN has a worse Return On Equity (4.95%) than 76.57% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.53%
ROE	4.95%
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 has a Profit Margin of 27.71%. This is in the better half of the industry: CFFN outperforms 74.31% 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)	27.71%
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.

Compared to 1 year ago, CFFN has less shares outstanding

Compared to 5 years ago, CFFN has less shares outstanding

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

WACC8.41%

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.

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)-36.76%

EPS 3Y-10.07%

EPS 5Y-10.33%

EPS Q2Q%9.09%

Revenue 1Y (TTM)1020.12%

Revenue growth 3Y-6.26%

Revenue growth 5Y-6.04%

Sales Q2Q%18.08%

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 15.15% yearly.

The Revenue is expected to grow by 8.44% on average over the next years. This is quite good.

EPS Next Y16.02%

EPS Next 2Y15.15%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year7.39%

Revenue Next 2Y8.44%

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.27, the valuation of CFFN can be described as correct.

CFFN's Price/Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Earnings ratio of 24.29, CFFN is valued a bit cheaper.

With a Price/Forward Earnings ratio of 10.76, the valuation of CFFN can be described as very reasonable.

CFFN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CFFN is more expensive than 60.20% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.42, CFFN is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.27
Fwd PE	10.76

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CFFN is valued a bit more expensive than the industry average as 75.06% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	21.61
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.

CFFN's earnings are expected to grow with 15.15% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.83

PEG (5Y)N/A

EPS Next 2Y15.15%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.93%, CFFN is a good candidate for dividend investing.

CFFN's Dividend Yield is rather good when compared to the industry average which is at 3.49. CFFN pays more dividend than 92.70% of the companies in the same industry.

CFFN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.

		Industry Rank	Sector Rank
Dividend Yield	5.93%

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

87.07% of the earnings are spent on dividend by CFFN. This is not a sustainable payout ratio.

DP87.07%

EPS Next 2Y15.15%

EPS Next 3YN/A

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CAPITOL FEDERAL FINANCIAL IN

NASDAQ:CFFN (5/7/2025, 10:33:58 AM)

5.705

+0.08 (+1.33%)

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 Change-0.55%

Ins Owners2.98%

Ins Owner Change2.97%

Market Cap757.57M

Analysts45.71

Price Target6.38 (11.83%)

Short Float %3.15%

Short Ratio4.87

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.93%

Yearly Dividend0.33

Dividend Growth(5Y)-19.07%

DP87.07%

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)10.9%

Min EPS beat(2)10.29%

Max EPS beat(2)11.51%

EPS beat(4)2

Avg EPS beat(4)2.7%

Min EPS beat(4)-10.87%

Max EPS beat(4)11.51%

EPS beat(8)5

Avg EPS beat(8)164.56%

EPS beat(12)7

Avg EPS beat(12)109.63%

EPS beat(16)11

Avg EPS beat(16)85.72%

Revenue beat(2)0

Avg Revenue beat(2)-4.38%

Min Revenue beat(2)-5.79%

Max Revenue beat(2)-2.96%

Revenue beat(4)0

Avg Revenue beat(4)-4.81%

Min Revenue beat(4)-6.91%

Max Revenue beat(4)-2.96%

Revenue beat(8)2

Avg Revenue beat(8)-2.96%

Revenue beat(12)6

Avg Revenue beat(12)1.17%

Revenue beat(16)9

Avg Revenue beat(16)3.94%

PT rev (1m)-7.41%

PT rev (3m)-10.71%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)3.76%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-9.49%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-9.26%

Valuation

		Industry Rank	Sector Rank
PE	13.27
Fwd PE	10.76
P/S	4.13
P/FCF	21.61
P/OCF	17.98
P/B	0.74
P/tB	0.74
EV/EBITDA	N/A

EPS(TTM)0.43

EY7.54%

EPS(NY)0.53

Fwd EY9.3%

FCF(TTM)0.26

FCFY4.63%

OCF(TTM)0.32

OCFY5.56%

SpS1.38

BVpS7.73

TBVpS7.73

PEG (NY)0.83

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.53%
ROE	4.95%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.71%
GM	N/A
FCFM	19.1%

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	83.75%
Cap/Sales	3.85%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	68.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC8.41%

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 Y16.02%

EPS Next 2Y15.15%

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%18.08%

Revenue Next Year7.39%

Revenue Next 2Y8.44%

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-59.43%

FCF growth 3Y-28.3%

FCF growth 5Y-19.09%

OCF growth 1Y-54.01%

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