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Capitol Federal Financial, Inc. (CFFN)

NASDAQ: CFFN · USD

$8.41

-0.13 (-1.6%)· Recorded snapshot

Market cap	1B
Revenue (ttm)	232.5M
Net income (ttm)	86.4M
EPS (ttm)	$0.70
Shares out	123M
P/E (trailing)	12.1x
P/E (forward)	10.8x
Dividend	$0.34 (4.06%)
Volume	844,552
Beta	0.68

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Metric	Value
Amount currency	USD
CIK code	0001490906
Company name	Capitol Federal Financial, Inc.
Country	United States
Country code	US
CUSIP number	14057J101
Earnings date	2026-10-28
Earnings time	bmo
Employees	678
Employees change	19
Employees growth	2.88%
Enterprise value	$2.5B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	September
Founded	1893
In index	RUSSELL2000
Industry	Banks - Regional
IPO date	1999-04-01
Is primary listing	Yes
Is SPAC	No
ISIN number	US14057J1016
Last 10-K release date	2025-11-26
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split date	2010-12-22
Last stock split type	Forward
Market cap	$1B
Market cap category	Small-Cap
Next earnings date	2027-01-27
Options	Yes
Price	$8.41
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-10-28
Symbol	CFFN
U.S. state	Kansas
Website	https://capfed.com

Metric

Value

Amount currency

USD

CIK code

0001490906

Company name

Capitol Federal Financial, Inc.

Country

United States

Country code

CUSIP number

14057J101

Earnings date

2026-10-28

Earnings time

bmo

Employees

678

Employees change

Employees growth

2.88%

Enterprise value

$2.5B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-05-09

Fiscal year end

September

Founded

1893

In index

RUSSELL2000

Industry

Banks - Regional

IPO date

1999-04-01

Is primary listing

Yes

Is SPAC

ISIN number

US14057J1016

Last 10-K release date

2025-11-26

Last earnings date

2026-10-28

Last refreshed

2026-10-28

Last stock split date

2010-12-22

Last stock split type

Forward

Market cap

$1B

Market cap category

Small-Cap

Next earnings date

2027-01-27

Options

Yes

Price

$8.41

Price currency

USD

Sector

Financials

SIC code

6035

Stock price date

2026-10-28

Symbol

CFFN

U.S. state

Kansas

Website

https://capfed.com

Metric	Value
Adjusted P/E ratio	12.18x
Average P/E ratio (10Y)	18.14x
Average P/E ratio (3Y)	13.58x
Average P/E ratio (5Y)	14.35x
Earnings yield	8.27%
EV/Earnings	28.82x
EV/FCF	34.81x
EV/Sales	10.71x
FCF / EV yield	2.87%
FCF yield	6.98%
Forward EV/Sales	10.02x
Forward P/E	10.81x
Forward P/S	4.13x
Graham number	11.25651
Graham upside	35.13%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$3.48
Lynch upside	-58.26%
P/B ratio	1.03x
P/E ratio	12.09x
P/FCF ratio	14.33x
P/OCF ratio	13.17x
P/S ratio	4.41x
Price / tangible book value	1.02x
Sector forward P/E	13.61x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

12.18x

Average P/E ratio (10Y)

18.14x

Average P/E ratio (3Y)

13.58x

Average P/E ratio (5Y)

14.35x

Earnings yield

8.27%

EV/Earnings

28.82x

EV/FCF

34.81x

EV/Sales

10.71x

FCF / EV yield

2.87%

FCF yield

6.98%

Forward EV/Sales

10.02x

Forward P/E

10.81x

Forward P/S

4.13x

Graham number

11.25651

Graham upside

35.13%

Industry forward P/E

9.97x

Industry P/E

11.81x

Lynch fair value

$3.48

Lynch upside

-58.26%

P/B ratio

1.03x

P/E ratio

12.09x

P/FCF ratio

14.33x

P/OCF ratio

13.17x

P/S ratio

4.41x

Price / tangible book value

1.02x

Sector forward P/E

13.61x

Sector P/E

15.65x

Metric	Value
Effective tax rate	19.75%
FCF margin	31.7%
Operating margin	48.21%
Pretax margin	46.31%
Profit margin	37.16%
Profit per employee	$127,431
Profitable quarters	11
Profitable years	2
Revenue per employee	$342,906
ROA	0.89%
ROA (5Y)	0.37%
ROE	8.41%
ROE (5Y)	3.27%
Tax / revenue	9.15%

Metric

Value

Effective tax rate

19.75%

FCF margin

31.7%

Operating margin

48.21%

Pretax margin

46.31%

Profit margin

37.16%

Profit per employee

$127,431

Profitable quarters

Profitable years

Revenue per employee

$342,906

ROA

0.89%

ROA (5Y)

0.37%

ROE

8.41%

ROE (5Y)

3.27%

Tax / revenue

9.15%

Metric	Value
EPS growth	33.73%
EPS growth (Q)	28.63%
EPS growth (QoQ)	-5.13%
EPS growth 10Y	1.04%
EPS growth 5Y	4.43%
EPS growth quarters	9
EPS growth years	2
FCF growth	184.98%
FCF growth 3Y	4.6%
FCF growth 5Y	2.99%
Net income growth	27.01%
Net income growth (Q)	18.94%
Net income growth (QoQ)	-4.96%
Net income growth 5Y	2.59%
Net income growth quarters	9
Net income growth years	2
OCF growth	155.85%
OCF growth 10Y	-1.04%
OCF growth 3Y	4.63%
OCF growth 5Y	0.7%
Revenue growth	16.08%
Revenue growth (Q)	12.6%
Revenue growth (QoQ)	0.46%
Revenue growth 10Y	0.73%
Revenue growth 5Y	1.99%
Revenue growth quarters	9
Revenue growth years	2

Metric

Value

EPS growth

33.73%

EPS growth (Q)

28.63%

EPS growth (QoQ)

-5.13%

EPS growth 10Y

1.04%

EPS growth 5Y

4.43%

EPS growth quarters

EPS growth years

FCF growth

184.98%

FCF growth 3Y

4.6%

FCF growth 5Y

2.99%

Net income growth

27.01%

Net income growth (Q)

18.94%

Net income growth (QoQ)

-4.96%

Net income growth 5Y

2.59%

Net income growth quarters

Net income growth years

OCF growth

155.85%

OCF growth 10Y

-1.04%

OCF growth 3Y

4.63%

OCF growth 5Y

0.7%

Revenue growth

16.08%

Revenue growth (Q)

12.6%

Revenue growth (QoQ)

0.46%

Revenue growth 10Y

0.73%

Revenue growth 5Y

1.99%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-6.3M
EPS	$0.70
FCF per share	$0.58
Financing cash flow	$-114M
Free cash flow	$71.5M
Gross profit	$232.5M
Income taxes	$21.3M
Investing cash flow	$-2.8M
Net borrowing	$-434.7M
Net cash flow	$-38.9M
Net income	$86.4M
Operating income	$112.1M
Revenue	$232.5M

Metric

Value

Capital expenditures

$-6.3M

EPS

$0.70

FCF per share

$0.58

Financing cash flow

$-114M

Free cash flow

$71.5M

Gross profit

$232.5M

Income taxes

$21.3M

Investing cash flow

$-2.8M

Net borrowing

$-434.7M

Net cash flow

$-38.9M

Net income

$86.4M

Operating income

$112.1M

Revenue

$232.5M

Metric	Value
Book value per share	$8.10
Debt / equity	1.61
Debt / FCF	22.58
Net cash (debt)	$-1.5B
Net cash / market cap	-142.96%
Net debt / equity	1.46
Net debt / FCF	20.48
Piotroski F-Score	3
Property, plant and equipment	$88.6M
Shareholders' equity	$1B
Tangible book value	$1B
Tangible book value per share	$8.10
Total assets	$9.7B
Total cash	$150.3M
Total debt	$1.6B
Total liabilities	$8.7B
WACC	3.1%

Metric

Value

Book value per share

$8.10

Debt / equity

1.61

Debt / FCF

22.58

Net cash (debt)

$-1.5B

Net cash / market cap

-142.96%

Net debt / equity

1.46

Net debt / FCF

20.48

Piotroski F-Score

Property, plant and equipment

$88.6M

Shareholders' equity

$1B

Tangible book value

$1B

Tangible book value per share

$8.10

Total assets

$9.7B

Total cash

$150.3M

Total debt

$1.6B

Total liabilities

$8.7B

WACC

3.1%

Metric	Value
Working capital	$-6.7B

Metric

Value

Working capital

$-6.7B

Metric	Value
Buyback yield / dilution	4.42%
Dividend growth	0%
Dividend growth (10Y)	-8.65%
Dividend growth (3Y)	-18.15%
Dividend growth (5Y)	-17.13%
Dividend growth years	0
Dividend payment date	2026-08-21
Dividend payment years	28
Dividend payout frequency	Quarterly
Dividend per share	$0.34
Dividend yield	4.06%
Ex-dividend date	2026-08-07
FCF payout ratio	58.48%
Last dividend	$0.09
Payout ratio	48.89%
Shareholder yield	8.51%

Metric

Value

Buyback yield / dilution

4.42%

Dividend growth

Dividend growth (10Y)

-8.65%

Dividend growth (3Y)

-18.15%

Dividend growth (5Y)

-17.13%

Dividend growth years

Dividend payment date

2026-08-21

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$0.34

Dividend yield

4.06%

Ex-dividend date

2026-08-07

FCF payout ratio

58.48%

Last dividend

$0.09

Payout ratio

48.89%

Shareholder yield

8.51%

Metric	Value
10Y price change	-43.01%
10Y return CAGR	0.85%
10Y total return	8.8%
150-day SMA	$8.24
15Y price change	-25.49%
15Y return CAGR	4.67%
15Y total return	98.17%
1D price change	-1.58%
1M price change	-3.69%
1M total return	-3.69%
1W price change	2.45%
1W total return	2.45%
1Y price change	31.03%
1Y return CAGR	37.99%
1Y total return	37.96%
20-day SMA	$8.35
200-day SMA	$7.98
20Y price change	-49.6%
20Y return CAGR	3.19%
20Y total return	87.42%
3M price change	-3.24%
3M total return	-2.32%
3Y price change	69.92%
3Y return CAGR	26.24%
3Y total return	101.23%
50-day SMA	$8.55
50-day SMA vs 200-day SMA	50over200
52-week high	$9.26
52-week high date	2026-08-03
52-week low	$5.97
52-week low date	2025-10-31
5Y price change	-27.62%
5Y return CAGR	0.01%
5Y total return	0.06%
6M price change	6.09%
6M total return	8.3%
All-time high	$22.78
All-time high date	2008-09-19
All-time low	$3.81
All-time low date	1999-04-07
Average true range (ATR)	$0.19
Average volume	1.1M
Beta (1Y)	0.32
Beta (2Y)	0.75
Beta (5Y)	0.68
Change from 52-week high	-9.23%
Change from 52-week low	40.81%
Change from all-time high	-63.3%
Change from all-time low	119.42%
Change from open	-1.35%
Day's gap	-0.23%
Dollar volume	$7.1M
High price	$8.56
Low price	$8.26
Monthly RSI	62.84
Open price	$8.52
Position in 52-week range	48.33%
Premarket change	1.76%
Premarket close	$8.54
Premarket price	$8.69
Premarket volume	401
Previous close	$8.54
Price vs 150-day SMA	1.49%
Price vs 20-day SMA	0.11%
Price vs 200-day SMA	4.83%
Price vs 50-day SMA	-2.21%
Relative volume	0.74
RSI	47.84
Sharpe ratio	1.36
Sharpe ratio (3Y)	0.92
Sharpe ratio (5Y)	-0
Sortino ratio	2.27
Sortino ratio (3Y)	1.69
Sortino ratio (5Y)	0.2
Volume	844.6K
Weekly RSI	52.78
YTD price change	22.76%
YTD total return	27.48%

Metric

Value

10Y price change

-43.01%

10Y return CAGR

0.85%

10Y total return

8.8%

150-day SMA

$8.24

15Y price change

-25.49%

15Y return CAGR

4.67%

15Y total return

98.17%

1D price change

-1.58%

1M price change

-3.69%

1M total return

-3.69%

1W price change

2.45%

1W total return

2.45%

1Y price change

31.03%

1Y return CAGR

37.99%

1Y total return

37.96%

20-day SMA

$8.35

200-day SMA

$7.98

20Y price change

-49.6%

20Y return CAGR

3.19%

20Y total return

87.42%

3M price change

-3.24%

3M total return

-2.32%

3Y price change

69.92%

3Y return CAGR

26.24%

3Y total return

101.23%

50-day SMA

$8.55

50-day SMA vs 200-day SMA

50over200

52-week high

$9.26

52-week high date

2026-08-03

52-week low

$5.97

52-week low date

2025-10-31

5Y price change

-27.62%

5Y return CAGR

0.01%

5Y total return

0.06%

6M price change

6.09%

6M total return

8.3%

All-time high

$22.78

All-time high date

2008-09-19

All-time low

$3.81

All-time low date

1999-04-07

Average true range (ATR)

$0.19

Average volume

1.1M

Beta (1Y)

0.32

Beta (2Y)

0.75

Beta (5Y)

0.68

Change from 52-week high

-9.23%

Change from 52-week low

40.81%

Change from all-time high

-63.3%

Change from all-time low

119.42%

Change from open

-1.35%

Day's gap

-0.23%

Dollar volume

$7.1M

High price

$8.56

Low price

$8.26

Monthly RSI

62.84

Open price

$8.52

Position in 52-week range

48.33%

Premarket change

1.76%

Premarket close

$8.54

Premarket price

$8.69

Premarket volume

401

Previous close

$8.54

Price vs 150-day SMA

1.49%

Price vs 20-day SMA

0.11%

Price vs 200-day SMA

4.83%

Price vs 50-day SMA

-2.21%

Relative volume

0.74

RSI

47.84

Sharpe ratio

1.36

Sharpe ratio (3Y)

0.92

Sharpe ratio (5Y)

-0

Sortino ratio

2.27

Sortino ratio (3Y)

1.69

Sortino ratio (5Y)

0.2

Volume

844.6K

Weekly RSI

52.78

YTD price change

22.76%

YTD total return

27.48%

Metric	Value
Float	106.1M
Float percentage	86.24%
Shares change (QoQ)	0.19%
Shares change (YoY)	-4.42%
Shares held by insiders	3.03%
Shares held by institutions	79%
Shares outstanding	123M
Short % of float	6.88%
Short % of shares	5.93%
Short ratio	7.3 days

Metric

Value

Float

106.1M

Float percentage

86.24%

Shares change (QoQ)

0.19%

Shares change (YoY)

-4.42%

Shares held by insiders

3.03%

Shares held by institutions

79%

Shares outstanding

123M

Short % of float

6.88%

Short % of shares

5.93%

Short ratio

7.3 days

Capitol Federal Financial, Inc. (CFFN)

Price

Financial snapshot

Fair-value bridge

Latest news · CFFN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All CFFN indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on CFFN

Frequently asked questions