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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%
Market cap
$1.0B
P/E
12.6×
Fwd P/E
11.9×
Dividend yield
4.16%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 6.96%

Capital & Financial Ratios $m

Market Cap 1,040.00
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 12.57
Fwd P/E 11.90
P/S ratio 2.29
P/B ratio 0.99
Past 5Y EPS Growth 2.04%
This Y EPS Growth 31.73% (at or above 15%: strong)
Next Y EPS Growth 13.14%
Next Y revenue growth (44.01%) (below 0%: weak)
Next 5Y EPS Growth 17.33% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 6.50%
10-year low 10-year high
P/S against its own 10 years 17.47%
10-year low 10-year high
P/B against its own 10 years 30.93%
10-year low 10-year high

Dividends

Payout Ratio 0.52
Annual Dividend Rate 0.34
Annual Dividend Yield 4.16%
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 special payouts not included in total or ratios

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%)

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 — 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.
value withheld pending a data check

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.

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

Ten years at a glance Fiscal years to September

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 17.04 16.98 14.15 14.57 14.03 14.38 11.78 8.93 7.20 7.31
People
People Employees 676 708 775 773 793 750 733 649 659 678
Revenue/emp, $m 0.48 0.47 0.44 0.46 0.41 0.38 0.41 0.29 0.58 0.62
Income, $m
Income, $m Revenue 324 335 344 352 325 286 302 188 382 420
Gross margin, % 66.42 64.87 64.20 64.89 64.37 70.94 71.25 (9.65) 43.79 47.84
EBT 122 128 124 121 81 96 107 (139) 54 83
EBT margin, % 37.59 38.14 36.03 34.29 24.84 33.54 35.45 (73.78) 14.16 19.76
Net income 83 84 99 94 65 76 84 (102) 38 68
Depreciation 14 14 13 13 13 19 18 15 2 6
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
Earnings 0.63 0.63 0.73 0.68 0.47 0.56 0.62 (0.84) 0.29 0.52
Cash flow 0.64 0.64 0.92 0.59 0.67 0.55 0.72 0.36 0.24 0.42
Capex (0.11) (0.07) (0.09) (0.09) (0.11) (0.05) (0.04) (0.05) (0.05) (0.04)
Free cash flow 0.53 0.57 0.83 0.50 0.57 0.50 0.68 0.31 0.19 0.38
Book value 10.47 10.21 10.33 9.71 9.32 9.17 8.08 7.82 7.90 8.06
Shares, m 133 134 135 138 138 135 136 134 131 130
Valuation, ×
Valuation, × P/E 22.33 24.02 17.07 19.97 20.15 20.52 13.39 0.00 20.14 12.21
P/S 5.77 5.95 4.95 5.39 3.94 5.44 3.72 3.28 2.00 1.96
P/B 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/FCF 59.38 52.66 34.23 56.59 36.87 45.77 34.98 78.80 110.66 50.59
Cash, $m
Cash, $m Operating cash flow 85 85 124 81 93 74 97 48 31 55
Capex (15) (9) (12) (12) (15) (7) (6) (6) (7) (5)
Free cash flow 70 76 112 69 78 68 92 41 25 50
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
Total debt 2,572 2,374 2,285 2,240 1,789 1,583 2,132 2,879 2,180 1,951
Net debt 2,291 2,022 2,146 2,020 1,604 1,541 2,083 2,634 1,962 1,698
Shareholders’ equity 1,393 1,368 1,392 1,336 1,285 1,242 1,096 1,044 1,032 1,048
Returns, %
Returns, % ROA 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
ROE 5.94 6.09 7.17 6.91 4.92 6.02 7.22 (9.49) 3.66 6.53
Negative figures in brackets.

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

Charts ten years each

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
MCB Metropolitan Bank Holding Corp. $1.1B 10.9× 8.8× +10.67% (above 0%: growing) −12.92% (below 0%: shrinking) −168.73% (below 0%: shrinking) 64.82% 0.00% Compare
NBN Northeast Bancorp $1.1B 9.7× 8.2× +6.35% (above 0%: growing) +34.97% (above 0%: growing) −136.55% (below 0%: shrinking) 62.31% 0.00% Compare
FSBC Five Star Bancorp $1.1B 12.7× 12.1× +18.93% (above 0%: growing) +33.82% (above 0%: growing) +32.43% (above 0%: growing) 64.63% 0.00% Compare
CFFN Capitol Federal Financial $1.0B 12.6× 11.9× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00%
BFST Business First Bancshares, Inc. $1.0B 11.1× 9.9× +8.01% (above 0%: growing) 0.00% +80.82% (above 0%: growing) 65.76% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.3× 9.6× +5.11% (above 0%: growing) +7.91% (above 0%: growing) +246.97% (above 0%: growing) 70.02% 0.00% Compare
CCNE CNB Financial Corporation $1.0B 11.0× 8.8× +33.95% (above 0%: growing) +49.18% (above 0%: growing) +101.89% (above 0%: growing) 69.04% 0.00% Compare
MCBS MetroCity Bankshares, Inc. $1.0B 12.0× 10.4× +27.40% (above 0%: growing) +16.67% (above 0%: growing) +45.94% (above 0%: growing) 65.38% 0.00% Compare
HBNC Horizon Bancorp (IN) $992.5M — (loss-making) 8.9× −1.83% (below 0%: shrinking) +4.26% (above 0%: growing) +72.88% (above 0%: growing) 75.11% 0.00% Compare
Median of peers $1.0B 11.0× 9.3× +9.34% +12.29% +59.41% 65.57% 0.00%

All 323 Banks Regional stocks →

Capitol Federal Financial (CFFN) key facts

  • Capitol Federal Financial (CFFN) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CFFN traded at $8.17, a market capitalization of $1.0 billion.
  • Capitol Federal Financial pays an annual dividend of $0.34 per share, a yield of 4.16%, with a payout ratio of 52.3%.
  • Return on equity was 6.53% and debt-to-equity 1.60.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Capitol Federal Financial (CFFN) Latest News

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