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Capitol Federal Financial

CFFN Financial Banks Regional

Capitol Federal Financial’s revenue for fiscal 2025 (year ended September 2025) was $420.2 million, up 9.99% from fiscal 2024.

Revenue
+6.50%
EPS
+35.7%
Free cash flow
+45.7%
Total debt
−21.0%

Quarter to June 2026, against a year earlier

8.42 0.01 +0.12%
Market cap
$1.1B
P/E
13.1×
Fwd P/E
12.3×
Dividend yield
4.99%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 6.97%

Capital & Financial Ratios $m

Size
Market Cap 1,070.00
Revenue ttm 443.11
Net income ttm 82.84
Free cash flow ttm 71.53
Net debt Q 1,500.15
Valuation
P/E 13.09
Forward P/E 12.30
Price / sales 2.38
Forward P/S Powerpack
Price / FCF 14.75
Price / book 1.03
Financial health
Current ratio Q 1.20
Debt / equity Q 1.60
Interest coverage Q —
Growth
Revenue growth Q +6.50% (above 0%: growing)
Operating income growth Q +35.17% (above 0%: growing)
EPS, this year +11.59%
EPS, next year A +11.69%
Revenue, next year A −44.01% (below 0%: weak)
EPS, past 5 yrs +2.04%
EPS, next 5 yrs A +17.33% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 12.15%
10-year low 10-year high
P/S against its own 10 years 20.39%
10-year low 10-year high
P/B against its own 10 years 34.54%
10-year low 10-year high

Dividends

Yield
4.99%
Annual rate
0.43
Payout ratio
65.4%
Growth, 2018–26
0.00%/yr
  1. 0.34 ’18
  2. 0.34 ’19 +0
  3. 0.34 ’20 +0
  4. 0.34 ’21 +0
  5. 0.34 ’22 +0
  6. 0.34 ’23 +0
  7. 0.34 ’24 +0
  8. 0.34 ’25 +0
  9. 0.34 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

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

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%)

Earnings Trends EPS, adjusted, against the consensus

Q4 FY26 Estimate 0.19 Actual 0.18

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY26 0.15 0.16 Beat by 0.01
Q2 FY26 0.17 0.16 Miss by 0.01
Q3 FY26 0.17 0.19 Beat by 0.02
Q4 FY26 0.19 0.18 Miss by 0.01
Q1 FY27 0.20 — Reports 27 January 2027

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) (0.76)
’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.

Revenue $m

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 (99) 188
’22 68 70 76 89 302
’21 73 77 67 69 286
’20 86 84 79 77 325
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to September

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 324 335 344 352 325 286 302 188 382 420 443 +2.9% 235 257 273 (13.4%)
Gross margin, % 66.42 64.87 64.20 64.89 64.37 70.94 71.25 (9.65) 43.79 47.84 51.74 (18.6) pt
EBT 122 128 124 121 81 96 107 (139) 54 83 103 (4.2%)
EBT margin, % 37.59 38.14 36.03 34.29 24.84 33.54 35.45 (73.78) 14.16 19.76 23.15 (17.8) pt
Net income 83 84 99 94 65 76 84 (102) 38 68 83 (2.3%)
Per share, $
Per share, $ Revenue 2.44 2.50 2.55 2.56 2.35 2.11 2.23 1.41 2.92 3.23 3.57 +3.2%
Earnings 0.63 0.63 0.73 0.68 0.47 0.56 0.62 (0.76) 0.29 0.52 0.65 (2.1%)
Cash flow 0.64 0.64 0.92 0.59 0.67 0.55 0.72 0.36 0.24 0.42 0.63 (4.5%)
Capex (0.11) (0.07) (0.09) (0.09) (0.11) (0.05) (0.04) (0.05) (0.05) (0.04) (0.05) (10.8%)
Free cash flow 0.53 0.57 0.83 0.50 0.57 0.50 0.68 0.31 0.19 0.38 0.58 (3.5%)
Book value 10.47 10.21 10.33 9.71 9.32 9.17 8.08 7.82 7.90 8.06 8.24 (2.9%)
Shares, m 133 134 135 138 138 135 136 134 131 130 127 (0.3%)
Valuation, ×
Valuation, × P/E 22.33 24.02 17.07 19.97 20.15 20.52 13.39 0.00 20.14 12.21 13.09 17.0
P/S 5.77 5.95 4.95 5.39 3.94 5.44 3.72 3.28 2.00 1.96 2.38 4.2
P/B 1.34 1.46 1.22 1.42 0.99 1.25 1.03 0.59 0.74 0.79 1.03 1.1
EV/Sales 12.83 11.98 11.19 11.13 8.88 10.82 10.61 17.26 7.13 6.01 — 10.8
EV/FCF 59.38 52.66 34.23 56.59 36.87 45.77 34.98 78.80 110.66 50.59 — 56.1
Cash, $m
Cash, $m Operating cash flow 85 85 124 81 93 74 97 48 31 55 78 (4.7%)
Capex (15) (9) (12) (12) (15) (7) (6) (6) (7) (5) (6) (11.1%)
Free cash flow 70 76 112 69 78 68 92 41 25 50 72 (3.7%)
Balance, $m
Balance, $m Working capital 1,963 2,120 1,904 1,888 1,130 452 1,240 2,111 1,933 1,708 1,412 (1.5%)
Net debt 2,291 2,022 2,146 2,020 1,604 1,541 2,083 2,634 1,962 1,698 1,500 (3.3%)
Shareholders’ equity 1,393 1,368 1,392 1,336 1,285 1,242 1,096 1,044 1,032 1,048 1,021 (3.1%)
Returns, %
Returns, % ROA 0.87 0.91 1.06 1.00 0.69 0.80 0.88 (1.03) 0.39 0.70 0.85 (0.2) pt
ROIC 2.07 2.36 2.19 2.25 1.74 2.16 2.11 (2.36) 1.13 1.89 2.54 (0.2) pt
ROE 5.94 6.09 7.17 6.91 4.92 6.02 7.22 (9.49) 3.66 6.53 8.00 +0.6 pt
People
People Employees 676 708 775 773 793 750 733 649 659 678 — 0.0%
Revenue/emp, $m 0.48 0.47 0.44 0.46 0.41 0.38 0.41 0.29 0.58 0.62 — +2.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Capitol Federal Financial vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
UVSP Univest Corporation of Pennsylvania $1.1B 11.9× 10.5× +2.73% (above 0%: growing) −12.36% (below 0%: shrinking) +47.79% (above 0%: growing) 66.61% 0.00% Compare
CFFN Capitol Federal Financial $1.1B 13.1× 12.3× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00%
HBNC Horizon Bancorp (IN) $1.1B — (loss-making) 9.8× −1.83% (below 0%: shrinking) +4.26% (above 0%: growing) +72.88% (above 0%: growing) 75.11% 0.00% Compare
FSBC Five Star Bancorp $1.1B 12.4× 12.5× +21.04% (above 0%: growing) +19.48% (above 0%: growing) +40.75% (above 0%: growing) 65.07% 0.00% Compare
CCNE CNB Financial Corporation $1.1B 10.7× 9.9× +6.10% (above 0%: growing) +31.88% (above 0%: growing) +2.73% (above 0%: growing) 69.41% 0.00% Compare
NBN Northeast Bancorp $1.1B 9.7× 8.7× +6.35% (above 0%: growing) +34.97% (above 0%: growing) −136.55% (below 0%: shrinking) 62.31% 0.00% Compare
BFST Business First Bancshares, Inc. $1.0B 11.3× 11.0× +7.42% (above 0%: growing) +3.47% (above 0%: growing) +38.67% (above 0%: growing) 66.54% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.8× 10.7× +6.81% (above 0%: growing) −4.79% (below 0%: shrinking) +122.41% (above 0%: growing) 71.37% 0.00% Compare
SBSI Southside Bancshares, Inc. $1.0B 10.4× 9.6× +34.14% (above 0%: growing) +487.50% (above 0%: growing) +73.84% (above 0%: growing) 61.38% 0.00% Compare
Median of peers $1.1B 10.8× 10.2× +6.58% +11.87% +44.27% 66.58% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 18 December 2025

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.32m 1.32m 96.57
2024 1.01m 1.01m 83.95
2023 862.03k 862.03k 64.49
2022 1.28m 1.28m 103.19
2021 1.19m 1.19m 133.08
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Capitol Federal Financial (CFFN) Latest News

28 Oct

Impact 3 · · Associated Press

27 Oct

Impact 3 · · PR Newswire

23 Sep

Impact 4 · · PR Newswire

1 Aug

Impact 4 ·

30 Jul

Impact 3 ·

29 Apr

Impact 4 · · Zacks
Impact 4 · · PR Newswire
Impact 3 · · Zacks

3 Feb

Impact 4 · · Zacks

28 Jan

Impact 3 · · Zacks
Impact 3 ·
Impact 3 · · Business Wire

21 Jan

Impact 3 · · Zacks

20 Jan

Impact 4 · · Simply Wall St.

17 Dec

Impact 4 · · Business Wire

12 Dec

Impact 4 · · Simply Wall St.

8 Dec

Impact 3 · · Zacks

6 Nov

Impact 4 · · Simply Wall St.

30 Oct

Impact 4 · · Simply Wall St.

29 Oct

Impact 3 · · Associated Press Finance
Impact 3 · · Business Wire

25 Jul

Impact 3 ·

23 Jul

Impact 3 ·

17 Jul

Impact 3 · · Simply Wall St.

27 Apr

Impact 3 · · Simply Wall St.

25 Apr

Impact 4 ·

24 Apr

Impact 4 · · Simply Wall St.

23 Apr

Impact 3 ·
Impact 3 · · Business Wire

7 Apr

Impact 3 · · Insider Monkey
stockrow.com/CFFN · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com