Capitol Federal Financial CFFN

8.68 0.02 0.23% as of 25 Sep
Market cap
$1.1B
P/E
13.4×
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.06
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 1 — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 6.93%

Capital & Financial Ratios

Market Cap 1,090.00
Revenue 443.11
Net Income 82.84
Free Cash Flow 71.53
Net Debt 1,500.15
Current Ratio 1.20
Debt/Equity 1.60
P/E ratio 13.35
P/S ratio 2.43
P/B ratio 1.05
Past 5Y EPS Growth (15.73%)
This Y EPS Growth 31.73%
Next Y EPS Growth 13.14%
Next 5Y EPS Growth 19.17%
in millions of $

Dividends

Payout Ratio 0.79
Annual Dividend Rate 0.34
Annual Dividend Yield 5.74%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.38
0.04
0.09
0.09
0.09
2025 0.34
0.09
0.09
0.09
0.09
2024 0.34
0.09
0.09
0.09
0.09
2023 0.34
0.09
0.09
0.09
0.09
2022 0.34
0.09
0.09
0.20
0.09
0.09
0.28
2021 0.34
0.09
0.09
0.40
0.09
0.09
0.22
2020 0.34
0.09
0.09
0.09
0.09
0.13
2019 0.34
0.09
0.09
0.25
0.09
0.09
0.34
2018 0.34
0.09
0.09
0.25
0.09
0.09
0.39
2017 0.34
0.09
0.09
0.25
0.09
0.09
0.29
2016 0.34
0.09
0.09
0.25
0.09
0.09
0.29
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 246 217 252 136
Receivables — — — —
Inventory — — — —
Other — — — —
8,225 8,125 8,365 8,304
2023 2024 2025 Q'26
Payables 6,051 6,130 6,591 6,851
ST’ Debt — — — —
Other — — — —
6,114 6,192 6,657 6,891
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 2.81% 5.30% 11.60%
Cash Flow (4.43%) (9.94%) (17.30%)
Earnings (1.38%) 1.03% (6.98%)
Book Value (2.97%) (4.00%) (1.51%)

Revenue

Dec Mar Jun Sep Year
’26 111 110 112 — —
’25 102 103 105 110 420
’24 83 98 100 102 382
’23 97 95 96 — 188
’22 68 70 76 89 302
’21 73 77 67 69 286
’20 86 84 79 77 325
in millions of $ · fiscal quarters ending in the months shown
value withheld pending a data check

Operating Cash Flow

Dec Mar Jun Sep Year
’26 17 21 17 — —
’25 6 16 12 22 55
’24 (5) 21 19 (3) 31
’23 15 10 9 13 48
’22 20 16 27 34 97
’21 19 13 19 23 74
’20 27 12 31 24 93
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Dec Mar Jun Sep Year
’26 16 20 16 — —
’25 4 15 11 20 50
’24 (7) 19 17 (5) 25
’23 14 9 7 12 41
’22 19 15 25 33 92
’21 17 10 17 23 68
’20 23 9 28 18 78
in millions of $ · fiscal quarters ending in the months shown

EPS

Dec Mar Jun Sep Year
’26 0.16 0.16 0.19 — —
’25 0.12 0.12 0.14 0.14 0.52
’24 0.02 0.11 0.07 0.09 0.29
’23 0.12 0.11 0.06 (1.13) (0.84)
’22 0.16 0.16 0.16 0.14 0.62
’21 0.14 0.15 0.13 0.14 0.56
’20 0.16 0.03 0.14 0.13 0.47
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
11.39 13.03 11.80 12.46 8.75 10.67 7.19 4.22 4.76 4.90

Analyst estimates 2026–2028

Powerpack
Low Price
17.04 16.98 14.15 14.57 14.03 14.38 11.78 8.93 7.20 7.31
High Price
676 708 775 773 793 750 733 649 659 678
Employees
0 0 0 0 0 0 0 0 1 1
Revenue/Emp
324 335 344 352 325 286 302 188 382 420
Revenue
66.42% 64.87% 64.20% 64.89% 64.37% 70.94% 71.25% (9.65%) 43.79% 47.84%
Gross Margin
122 128 124 121 81 96 107 (139) 54 83
EBT
37.59% 38.14% 36.03% 34.29% 24.84% 33.54% 35.45% (73.78%) 14.16% 19.76%
EBT Margin
83 84 99 94 65 76 84 (102) 38 68
Net Income
14 14 13 13 13 19 18 15 2 6
Depreciation
2.44 2.50 2.55 2.56 2.35 2.11 2.23 1.41 2.92 3.23
Revenue/Sh
0.63 0.63 0.73 0.68 0.47 0.56 0.62 (0.84) 0.29 0.52
Earnings/Sh
0.64 0.64 0.92 0.59 0.67 0.55 0.72 0.36 0.24 0.42
Cash Flow/Sh
(0.11) (0.07) (0.09) (0.09) (0.11) (0.05) (0.04) (0.05) (0.05) (0.04)
Capex/Sh
0.53 0.57 0.83 0.50 0.57 0.50 0.68 0.31 0.19 0.38
Free CF/Sh
10.47 10.21 10.33 9.71 9.32 9.17 8.08 7.82 7.90 8.06
Book Value/Sh
133 134 135 138 138 135 136 134 131 130
Shares
22.33 24.02 17.07 19.97 20.15 20.52 13.39 0.00 20.14 12.21
PE Ratio
5.77 5.95 4.95 5.39 3.94 5.44 3.72 3.28 2.00 1.96
PS Ratio
1.34 1.46 1.22 1.42 0.99 1.25 1.03 0.59 0.74 0.79
PB Ratio
12.83 11.98 11.19 11.13 8.88 10.82 10.61 17.26 7.13 6.01
EV/Sales
59.38 52.66 34.23 56.59 36.87 45.77 34.98 78.80 110.66 50.59
EV/FCF
85 85 124 81 93 74 97 48 31 55
Op' Cash Flow
(15) (9) (12) (12) (15) (7) (6) (6) (7) (5)
Capex
70 76 112 69 78 68 92 41 25 50
FCF
1,963 2,120 1,904 1,888 1,130 452 1,240 2,111 1,933 1,708
Working Cap'
2,572 2,374 2,285 2,240 1,789 1,583 2,132 2,879 2,180 1,951
Total Debt
2,291 2,022 2,146 2,020 1,604 1,541 2,083 2,634 1,962 1,698
Net Debt
1,393 1,368 1,392 1,336 1,285 1,242 1,096 1,044 1,032 1,048
Sh' Equity
0.87% 0.91% 1.06% 1.00% 0.69% 0.80% 0.88% (1.03%) 0.39% 0.70%
ROA
2.07% 2.36% 2.19% 2.25% 1.74% 2.16% 2.11% (2.36%) 1.13% 1.89%
ROIC
5.94% 6.09% 7.17% 6.91% 4.92% 6.02% 7.22% (9.49%) 3.66% 6.53%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

Capitol Federal Financial (CFFN) key facts

  • Capitol Federal Financial (CFFN) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of September 25, 2026, CFFN traded at $8.68, a market capitalization of $1.1 billion.
  • Capitol Federal Financial pays an annual dividend of $0.34 per share, a yield of 5.74%, with a payout ratio of 79.1%.
  • Return on equity was 6.53% and debt-to-equity 1.60.

Source: company filings (standardised) and stockrow calculations.

Capitol Federal Financial (CFFN) Latest News

News by impact score

Fine-tune

23 Sep

4

Capitol Federal Financial, Inc. (NASDAQ: CFFN) announced William 'Billy' Skrobacz Jr. will become President of the Company and Capitol Federal Savings Bank, effective October 1, 2026. Skrobacz, currently Executive Vice President and Chief Retail Operations Officer, has led the bank's commercial strategy, expanding deposits and lending, treasury management, private banking, cards, wealth and insurance offerings, digital services, and profitability models. He joined Capitol Federal in 2021 as Chief Strategy Officer and has served on key committees and leadership teams. John B. Dicus will remain Chairman and CEO. Sarah Sanders will succeed Skrobacz as EVP and Chief Retail Operations Officer on October 1, 2026, after a two-decade tenure in retail operations. The release notes continued focus on aligning executive leadership with strategic priorities and includes standard forward-looking statements. Promotion to President signals stronger execution of Capitol Federal's commercial strategy and potential impact on growth.

1 Aug

4

Capitol Federal Financial posted strong Q3 results, raised its dividend, and launched share buybacks, prompting questions on whether these moves change the investment case for CFFN. Strong Q3 results, dividend hikes, and buybacks represent major capital return actions that can shift CFFN's performance trajectory and investor sentiment.

30 Jul

3

Capitol Federal Financial reported higher net income and executed share buybacks, with questions raised on whether the stock is fully priced. Higher net income and buybacks improve results but valuation questions limit major shifts in trajectory.

29 Apr

4

Capitol Federal Financial (CFFN) missed Q2 earnings and revenue estimates. Earnings and revenue misses directly undermine financial performance and investor confidence, potentially altering stock trajectory.

4

Capitol Federal Financial, Inc. reports second quarter fiscal year 2026 results. Quarterly earnings results directly reveal financial health, profitability, and operational performance, significantly shaping investor sentiment and stock trajectory.

3

Capitol Federal Financial, Inc. (CFFN) is experiencing high implied volatility in its options market, particularly for the May 16, 2025 $10.00 Call option. This suggests that investors anticipate significant price movement, possibly due to an upcoming event. Currently, CFFN holds a Zacks Rank #2 (Buy) in the Financial - Savings and Loan industry, with positive analyst revisions increasing the earnings estimate for the current quarter from 11 cents to 12 cents per share. The high implied volatility may indicate a developing trading opportunity, as seasoned traders often seek to sell premium on such options to capture decay, hoping the stock does not move as much as expected by expiration. High implied volatility and positive analyst revisions suggest a moderately noticeable influence on CFFN's market performance.

3 Feb

4

Capitol Federal Financial (CFFN) has shown strong momentum in the market, attracting attention from investors. Analysts highlight its solid financial performance and growth potential, suggesting that it could be a worthwhile addition to investment portfolios. The company's strategic initiatives and market positioning are seen as favorable indicators for future success. Strong momentum and strategic initiatives are likely to significantly impact future performance and investor sentiment.

28 Jan

3

Capitol Federal Financial (CFFN) reported its Q1 earnings, surpassing analysts' expectations. The financial institution demonstrated strong performance metrics, contributing to positive market sentiment. This earnings beat reflects effective management strategies and operational efficiency, positioning CFFN favorably in the competitive landscape. Earnings exceeding estimates can moderately influence investor sentiment and financial performance.

3

Capitol Federal Financial (CFFN) reported its fiscal Q1 earnings, highlighting a net income of $15.2 million, or $0.14 per share, compared to $16.3 million, or $0.15 per share, in the same quarter last year. The bank's total assets increased to $8.5 billion, driven by a rise in deposits. However, net interest income decreased due to lower interest rates. The company remains focused on maintaining strong asset quality and managing expenses amid a competitive banking environment. Earnings performance and asset growth indicate moderate influence on financial stability and market positioning.

3

Capitol Federal Financial, Inc.® reported its financial results for the first quarter of fiscal year 2026, highlighting key metrics such as net income, earnings per share, and loan growth. The company experienced a year-over-year increase in total assets and deposits, reflecting strong customer engagement and market positioning. Management provided insights into strategic initiatives aimed at enhancing operational efficiency and customer service. The report indicates a positive outlook for the upcoming quarters, driven by ongoing investments in technology and community involvement. The financial results indicate moderate growth and strategic initiatives that may positively influence the company's performance.

21 Jan

3

Capitol Federal Financial (CFFN) is anticipated to report earnings growth in the upcoming release, driven by factors such as improved interest margins and a stable loan portfolio. Analysts are optimistic about the company's performance, reflecting a positive outlook for its financial health and market position. Earnings growth expectations indicate a moderately noticeable influence on financial performance and market sentiment.

20 Jan

4

Capitol Federal Financial (CFFN) is highlighted as a potential investment opportunity in January 2026, with analysts noting its strong fundamentals and growth prospects. The company is positioned well within the financial sector, benefiting from favorable market conditions and strategic initiatives aimed at enhancing its competitive edge. Investors are encouraged to consider CFFN as part of their portfolio, given its undervalued status and potential for appreciation in the coming months. CFFN's strong fundamentals and strategic initiatives are likely to significantly influence its future performance and market position.

17 Dec

4

Capitol Federal Financial, Inc.® has announced a special dividend of $0.10 per share, payable on December 15, 2023, to shareholders of record as of December 1, 2023. Additionally, the company provided an update on its stock buyback program, indicating that it has repurchased approximately 1.5 million shares since the program's inception in 2022, with a remaining authorization for an additional 2.5 million shares. These actions reflect the company's commitment to returning value to shareholders. The special dividend and stock buyback program are significant strategic moves that could enhance shareholder value and positively influence market sentiment.

12 Dec

4

Capitol Federal Financial (CFFN) is highlighted as an undervalued investment opportunity in December 2025, with analysts suggesting that its strong fundamentals and growth potential make it a compelling choice for investors seeking hidden gems in the market. The company is noted for its solid financial performance and strategic positioning within the banking sector, which could lead to significant appreciation in stock value as market conditions evolve. CFFN's strong fundamentals and growth potential could significantly alter its market trajectory and investor sentiment.

8 Dec

3

Capitol Federal Financial (CFFN) is highlighted in a report alongside NB Bancorp and Innovative Aerosystems, indicating its relevance in the current financial landscape. The article discusses the company's performance and potential market movements, reflecting on its strategic positioning and competitive dynamics. CFFN's performance may be influenced by market sentiment and competitive positioning, but the overall effect is expected to be somewhat limited.

6 Nov

4

Capitol Federal Financial (CFFN) is highlighted as a promising investment opportunity in November 2025, with analysts identifying it as an undervalued asset in the current market. The article emphasizes the company's strong fundamentals, including solid financial performance and strategic growth initiatives. CFFN's focus on expanding its digital banking services and enhancing customer experience is noted as a key driver for future growth. The overall sentiment suggests that CFFN is well-positioned to capitalize on emerging market trends and investor interest, making it a noteworthy contender for those seeking undiscovered gems in the financial sector. CFFN's strategic growth initiatives and strong fundamentals indicate a significant potential impact on its future performance.

30 Oct

4

Capitol Federal Financial (CFFN) has reported a return to profitability, addressing previous skepticism regarding the quality of its earnings and valuation. The company has implemented strategic measures that have positively impacted its financial performance, leading to improved investor sentiment. This turnaround is seen as a significant development in the context of the company's operational stability and market positioning. The return to profitability indicates a significant shift in financial performance that could alter investor sentiment and the company's market trajectory.

29 Oct

3

Capitol Federal Financial (CFFN) reported its fiscal Q4 earnings, highlighting key financial metrics and performance indicators. The results reflect the company's ongoing strategies and market conditions, providing insights into its operational efficiency and profitability. Investors are keenly observing these figures to gauge future performance and market positioning. Earnings results may moderately influence investor sentiment and financial performance but are balanced by other market factors.

3

Capitol Federal Financial, Inc.® reported its financial results for the fourth quarter and fiscal year 2025, highlighting key metrics such as net income, earnings per share, and asset growth. The company experienced an increase in total assets and deposits, while also noting changes in loan origination and interest rates. Management provided insights into strategic initiatives and market conditions affecting performance, indicating a focus on maintaining stability and growth in a competitive environment. The reported financial results indicate moderate changes in performance metrics that may influence investor sentiment and operational strategies.

25 Jul

3

Capitol Federal Financial (CFFN) reported its third quarter 2025 earnings, with earnings per share (EPS) exceeding analysts' expectations. The financial institution highlighted strong performance metrics and positive trends in its operations, contributing to an optimistic outlook for the upcoming quarters. Investors reacted favorably to the news, reflecting confidence in the company's financial health and strategic direction. Earnings exceeding expectations may positively influence investor sentiment and financial performance, but the overall impact is expected to be limited.

23 Jul

3

Capitol Federal Financial, Inc.® reported its financial results for the third quarter of fiscal year 2025, highlighting key metrics such as net income, earnings per share, and loan growth. The company experienced an increase in total assets and deposits, reflecting a solid financial position. Management discussed strategic initiatives aimed at enhancing operational efficiency and customer service. The results indicate a positive trajectory for the company amidst a competitive banking environment. The financial results show moderate growth and strategic initiatives that may influence future performance but are not expected to drastically change the company's trajectory.

17 Jul

3

Capitol Federal Financial, Inc. (NASDAQ:CFFN) is predominantly owned by institutions, holding 78% of shares, which may influence stock price volatility. Eight investors control about 50% of the company, with BlackRock, Inc. as the largest shareholder at 15%. Insider ownership is noted at 2.1% by CEO John Dicus, while the general public holds 13%. Despite institutional backing indicating credibility, risks exist if institutions engage in a 'crowded trade.' Insider buying activity has been observed, and while institutional ownership is significant, it is essential to consider other factors affecting the company's future. Institutional ownership and insider activity may moderately influence Capitol Federal Financial's market performance and investor sentiment.

27 Apr

3

Capitol Federal Financial (CFFN) is set to trade ex-dividend soon, with a dividend payment of US$0.085 per share. The company has a trailing yield of 6.0%, but it paid out 83% of its earnings as dividends last year, raising concerns about sustainability. Earnings have declined by 10.0% per annum over the past five years, and dividend payments have decreased by 8.3% annually over the last decade. This combination of falling earnings and dividends suggests potential risks for investors relying on dividend income. One warning sign has been identified regarding the company's financial health. Declining earnings and high payout ratios indicate potential risks for future dividend sustainability.

25 Apr

4

Capitol Federal Financial (CFFN) has been upgraded to a Zacks Rank #2 (Buy) due to an upward trend in earnings estimates, indicating a positive earnings outlook. The Zacks rating system, which is based on earnings estimate revisions, suggests that the stock may experience buying pressure and an increase in price. Analysts expect CFFN to earn $0.49 per share for the fiscal year ending September 2025, reflecting a 32.4% year-over-year change. The recent upgrade positions CFFN in the top 20% of Zacks-covered stocks, implying potential for market-beating returns. The upgrade indicates significant positive changes in earnings estimates, likely influencing investor sentiment and stock performance.

24 Apr

4

Capitol Federal Financial (CFFN) reported second quarter 2025 results with revenue of $48.8 million, a 6.9% increase from the previous year, and net income of $15.4 million, up 12%. The profit margin rose to 32%, driven by higher revenue. Earnings per share (EPS) reached $0.12, surpassing analyst estimates for both revenue and EPS. Future revenue is projected to grow at an average of 9.1% annually over the next two years, outpacing the 7.1% growth forecast for the US banking industry. CFFN shares have increased by 3.8% over the past week, although there is one warning sign noted for the company. The significant revenue and earnings growth, along with positive future forecasts, indicate a strong potential impact on the company's performance.

23 Apr

3

Capitol Federal Financial (CFFN) reported Q2 earnings of $0.12 per share, exceeding the Zacks Consensus Estimate of $0.11 and showing a year-over-year increase from $0.11. The company also posted revenues of $48.79 million, surpassing estimates by 2.29% and up from $45.96 million a year ago. CFFN has beaten EPS estimates three times in the last four quarters. Despite an 8.6% decline in shares this year, the stock is expected to perform in line with the market, holding a Zacks Rank #3 (Hold). The current consensus EPS estimate for the next quarter is $0.11, with revenues of $48.59 million. The Financial - Savings and Loan industry ranks in the top 32% of Zacks industries, indicating a favorable outlook. CFFN's earnings beat and revenue growth indicate moderate positive influence on its financial performance.

3

Capitol Federal Financial, Inc.® reported its financial results for the second quarter of fiscal year 2025, highlighting key metrics such as net income, earnings per share, and loan growth. The company experienced a year-over-year increase in total assets and deposits, reflecting its strong market position. Management provided insights into strategic initiatives aimed at enhancing operational efficiency and customer service. The report also addressed challenges in the current economic environment, including interest rate fluctuations and regulatory considerations. The financial results indicate moderate growth and strategic initiatives that may influence future performance but are balanced by external economic challenges.

7 Apr

3

Capitol Federal Financial, Inc. (CFFN) had four insiders purchase approximately $269,989 worth of shares at an average price of $5.80 in Q1 2025, despite the stock being down 11.17% year-to-date. The company reported a net income of $15.4 million for the first quarter, an increase from the previous quarter, and announced a cash dividend of $0.085 per share. Analysts have a consensus rating of 'Hold' with a price target of $6.50, suggesting a potential upside of 23.81%. CFFN ranks 14th among small-cap stocks with insider buying activity. Insider buying indicates some level of confidence, but overall market conditions and stock performance remain uncertain.

10 Feb

4

Capitol Federal Financial (CFFN) reported its first quarter 2025 earnings, surpassing analysts' expectations. The financial institution demonstrated strong performance metrics, contributing to positive market sentiment. Key financial indicators showed growth, reflecting effective management strategies and operational efficiency. Investors reacted favorably to the results, indicating confidence in the company's future prospects. Surpassing earnings expectations can significantly influence investor sentiment and the company's market performance.

2 Feb

3

Capitol Federal Financial, Inc. (NASDAQ:CFFN) is approaching its ex-dividend date, with a dividend payment of US$0.085 per share scheduled for February 21. The company has a trailing yield of 5.7%, but it paid out 87% of its earnings as dividends last year, raising concerns about sustainability. Earnings per share have declined by 11% annually over the past five years, and dividends have decreased by 8.2% per year on average over the last decade. Given the declining earnings and high payout ratio, the outlook for future dividends appears bleak, suggesting investors should be cautious before purchasing the stock. Declining earnings and high dividend payout ratio indicate potential challenges for future financial performance.

stockrow.com/CFFN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com