Saturday 17 October 2026
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Capitol Federal Financial
CFFN Financial Banks Regional
In the quarter to June 2026, revenue grew 6.50%, EPS grew 35.7%, free cash flow grew 45.7% and total debt fell 21.0%, each against the same quarter a year earlier. Revenue growth for three consecutive years.
8.17
0.07
−0.85%
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| Sep '16 | Sep '17 | Sep '18 | Sep '19 | Sep '20 | Sep '21 | Sep '22 | Sep '23 | Sep '24 | Sep '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | 7 | 6 | 5 | 4 | 6 | 7 | 4 | 7 | 7 |
P/E ratio |
22.33 | 24.02 | 17.07 | 19.97 | 20.15 | 20.52 | 13.39 | 0.00 | 20.14 | 12.21 |
P/S ratio |
5.77 | 5.95 | 4.95 | 5.39 | 3.94 | 5.44 | 3.72 | 3.28 | 2.00 | 1.96 |
P/FCF ratio |
26.70 | 26.16 | 15.14 | 27.41 | 16.35 | 23.00 | 12.28 | 14.96 | 30.98 | 16.55 |
P/Operating CF |
81.76 | 70.46 | 49.89 | 74.63 | 53.73 | 67.42 | 33.22 | 45.81 | (246.88) | 38.35 |
P/B ratio |
1.34 | 1.46 | 1.22 | 1.42 | 0.99 | 1.25 | 1.03 | 0.59 | 0.74 | 0.79 |
Price to Tangible BV |
1.34 | 1.46 | 1.22 | 1.42 | 0.99 | 1.25 | 1.03 | 0.59 | 0.74 | 0.79 |
EV/Sales |
12.83 | 11.98 | 11.19 | 11.13 | 8.88 | 10.82 | 10.61 | 17.26 | 7.13 | 6.01 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
49.00 | 47.03 | 30.99 | 48.39 | 31.02 | 41.59 | 32.98 | 68.39 | 87.40 | 45.85 |
EV/FCF |
59.38 | 52.66 | 34.23 | 56.59 | 36.87 | 45.77 | 34.98 | 78.80 | 110.66 | 50.59 |
Quick Ratio |
0.05 | 0.06 | 0.02 | 0.04 | 0.03 | 0.01 | 0.01 | 0.04 | 0.04 | 0.04 |
Current Ratio |
1.37 | 1.39 | 1.33 | 1.33 | 1.18 | 1.07 | 1.20 | 1.35 | 1.31 | 1.26 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
27.76% | 25.82% | 24.18% | 23.98% | 18.86% | 16.43% | 22.15% | 28.29% | 22.88% | 19.95% |
Debt/Equity |
1.85 | 1.73 | 1.64 | 1.68 | 1.39 | 1.27 | 1.94 | 2.76 | 2.11 | 1.86 |
Asset Turnover |
0.03 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.02 | 0.04 | 0.04 |
Operating CF/Net income |
1.02 | 1.02 | 1.26 | 0.86 | 1.44 | 0.98 | 1.15 | (0.47) | 0.82 | 0.81 |
Capex/Depreciation |
(1.03) | (0.67) | (0.90) | (0.92) | (1.11) | (0.36) | (0.32) | (0.43) | (3.20) | (0.88) |
| 5.94% | 6.09% | 7.17% | 6.91% | 4.92% | 6.02% | 7.22% | (9.49%) | 3.66% | 6.53% | |
| 0.87% | 0.91% | 1.06% | 1.00% | 0.69% | 0.80% | 0.88% | (1.03%) | 0.39% | 0.70% | |
ROIC |
2.07% | 2.36% | 2.19% | 2.25% | 1.74% | 2.16% | 2.11% | (2.36%) | 1.13% | 1.89% |
Return on Tangible Assets |
4.08% | 3.81% | 4.94% | 4.75% | 5.24% | 13.80% | 6.32% | (4.61%) | 1.88% | 3.78% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
28.84% | 26.73% | 28.18% | 30.60% | 39.53% | 37.40% | 35.79% | 64.13% | 29.63% | 28.08% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.02% | 0.88% | 0.75% | 0.78% | 0.79% | 0.88% | 0.74% | 0.80% | 0.34% | 0.33% |
Graham Net Nets |
(0.34) | (0.14) | (0.24) | (0.19) | (0.64) | (0.81) | (0.90) | (1.47) | (0.49) | (0.44) |
Graham Number |
12.18 | 11.93 | 13.12 | 12.28 | 9.82 | 10.75 | 10.62 | 0.00 | 7.18 | 9.71 |
Earnings Yield |
4.48% | 4.16% | 5.86% | 5.01% | 4.96% | 4.87% | 7.47% | (18.18%) | 4.97% | 8.19% |
Free Cash Flow Yield |
3.74% | 3.82% | 6.61% | 3.65% | 6.12% | 4.35% | 8.15% | 6.69% | 3.23% | 6.04% |
Revenue per Share |
2.44 | 2.50 | 2.55 | 2.56 | 2.35 | 2.11 | 2.23 | 1.41 | 2.92 | 3.23 |
Operating CF per Share |
0.64 | 0.64 | 0.92 | 0.59 | 0.67 | 0.55 | 0.72 | 0.36 | 0.24 | 0.42 |
Capex per Share |
(0.11) | (0.07) | (0.09) | (0.09) | (0.11) | (0.05) | (0.04) | (0.05) | (0.05) | (0.04) |
Free Cash Flow per Share |
0.53 | 0.57 | 0.83 | 0.50 | 0.57 | 0.50 | 0.68 | 0.31 | 0.19 | 0.38 |
Cash per Share |
2.12 | 2.62 | 1.03 | 1.60 | 1.34 | 0.31 | 0.36 | 1.84 | 1.66 | 1.94 |
Shareholders Equity per Share |
10.47 | 10.21 | 10.33 | 9.71 | 9.32 | 9.17 | 8.08 | 7.82 | 7.90 | 8.06 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
10.47 | 10.21 | 10.33 | 9.71 | 9.32 | 9.17 | 8.08 | 7.82 | 7.90 | 8.06 |
Free Cash Flow |
70.10 | 76.32 | 112.40 | 69.22 | 78.19 | 67.68 | 91.74 | 41.25 | 24.63 | 49.88 |
Working Capital |
1,963.27 | 2,120.39 | 1,904.08 | 1,887.70 | 1,130.08 | 452.36 | 1,239.74 | 2,110.87 | 1,933.22 | 1,707.76 |
Capital Expenditures |
(14.85) | (9.13) | (11.76) | (11.73) | (14.74) | (6.79) | (5.56) | (6.28) | (6.55) | (5.16) |
Net Current Asset Value |
(634.49) | (277.87) | (402.21) | (366.57) | (814.36) | (1,265.57) | (1,013.73) | (908.32) | (370.33) | (366.40) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.05 | 0.03 | 0.03 | 0.03 | 0.05 | 0.02 | 0.02 | 0.03 | 0.02 | 0.01 |
Price to Operating Income |
15.45 | 15.61 | 13.73 | 15.72 | 15.85 | 16.21 | 10.51 | 0.00 | 14.10 | 9.94 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.17 | 0.16 | 0.14 | 0.13 | 0.13 | 0.19 | 0.18 | 0.16 | 0.02 | 0.07 |
Cash ROIC |
1.65% | 1.86% | 2.95% | 1.82% | 2.40% | 2.36% | 2.80% | 0.99% | 0.72% | 1.53% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.03 | 0.04 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
17,469.33 | 16,613.62 | 16,857.89 | 16,789.38 | 19,541.73 | 28,949.86 | 26,006.10 | 10,694.98 | 10,417.28 | 10,975.32 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
5,041.39 | 5,287.81 | 5,524.22 | 5,685.06 | 5,937.57 | 6,394.40 | 6,396.13 | 6,123.04 | 6,090.60 | 6,360.72 |
Average Assets |
9,555.70 | 9,230.08 | 9,321.23 | 9,394.78 | 9,413.62 | 9,559.23 | 9,628.07 | 9,901.18 | 9,852.53 | 9,653.15 |
Average Common Equity |
1,404.60 | 1,380.64 | 1,379.97 | 1,363.97 | 1,310.59 | 1,263.57 | 1,169.39 | 1,070.28 | 1,038.16 | 1,039.97 |
Columns are period end dates