CFFN

Company Overview — What Does Capitol Federal Financial, Inc. Do?

Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposits. It also provides various loan products, such as one- to four-family residential real estate loans; construction-to-permanent loans; consumer loans comprising home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits; and commercial real estate loans that include various property types, which comprise hotels, office and retail buildings, senior housing facilities, and multi-family dwellings. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; invests in various securities; and engages in the real estate businesses. It operates a network of 54 branches, including 45 traditional branches and 9 in-store branches located in nine counties throughout Kansas and three counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, as well as the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas. Capitol Federal Financial, Inc. (CFFN) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO John B. Dicus and employs approximately 730 people. With a market capitalization of $916M, CFFN is one of the notable companies in the Financials sector.

Capitol Federal Financial, Inc. (CFFN) Stock Rating — Hold (April 2026)

As of April 2026, Capitol Federal Financial, Inc. receives a Hold rating with a composite score of 45.4/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.CFFN ranks #824 out of 4,446 stocks in our coverage universe. Within the Financials sector, Capitol Federal Financial, Inc. ranks #247 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

CFFN Stock Price and 52-Week Range

Capitol Federal Financial, Inc. (CFFN) currently trades at $7.57. The stock lost $0.09 (1.2%) in the most recent trading session. The 52-week high for CFFN is $7.84, which means the stock is currently trading -3.4% from its annual peak. The 52-week low is $4.90, putting the stock 54.5% above its annual trough. Recent trading volume was 695K shares, suggesting relatively thin trading activity.

Is CFFN Overvalued or Undervalued? — Valuation Analysis

Capitol Federal Financial, Inc. (CFFN) carries a value factor score of 51/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 13.58x, compared to the Financials sector average of 14.88x — a discount of 9%. The price-to-book ratio stands at 0.91x, versus the sector average of 1.22x. The price-to-sales ratio is 2.35x, compared to 0.90x for the average Financials stock. On an enterprise value basis, CFFN trades at 11.08x EV/EBITDA, versus 3.26x for the sector.

Overall, CFFN's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Capitol Federal Financial, Inc. Profitability — ROE, Margins, and Quality Score

Capitol Federal Financial, Inc. (CFFN) earns a quality factor score of 38/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 6.7%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.7% versus the sector average of 1.2%.

The operating margin is 21.2% (sector: 21.8%). Net profit margin stands at 17.3%, versus 17.7% for the average Financials stock. Revenue growth is running at 11.6% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

CFFN Debt, Balance Sheet, and Financial Health

Capitol Federal Financial, Inc. has a debt-to-equity ratio of 839.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.12x, suggesting adequate working capital coverage.

CFFN has a beta of 0.79, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for Capitol Federal Financial, Inc. is 83/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

Capitol Federal Financial, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Capitol Federal Financial, Inc. reported revenue of $401M and earnings per share (EPS) of $0.16. Net income for the quarter was $70M. Operating income came in at $85M.

In Q1 2026, Capitol Federal Financial, Inc. reported revenue of $106M and earnings per share (EPS) of $0.16. Net income for the quarter was $20M. Revenue grew 8.6% year-over-year compared to Q1 2025. Operating income came in at $25M.

In FY 2025, Capitol Federal Financial, Inc. reported revenue of $16M and earnings per share (EPS) of $0.52. Net income for the quarter was $68M. Revenue grew -90.3% year-over-year compared to FY 2024. Operating income came in at $83M.

In Q3 2025, Capitol Federal Financial, Inc. reported revenue of $100M and earnings per share (EPS) of $0.14. Net income for the quarter was $18M. Revenue grew 4.9% year-over-year compared to Q3 2024. Operating income came in at $22M.

Over the past 8 quarters, Capitol Federal Financial, Inc. has demonstrated a growth trajectory, with revenue expanding from $95M to $401M. Investors analyzing CFFN stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

CFFN Dividend Yield and Income Analysis

Capitol Federal Financial, Inc. (CFFN) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

CFFN Momentum and Technical Analysis Profile

Capitol Federal Financial, Inc. (CFFN) has a momentum factor score of 56/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 12/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

CFFN vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Capitol Federal Financial, Inc. (CFFN) ranks #247 out of 891 stocks based on the Blank Capital composite score. This places CFFN in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing CFFN against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CFFN vs S&P 500 (SPY) comparison to assess how Capitol Federal Financial, Inc. stacks up against the broader market across all factor dimensions.

CFFN Next Earnings Date

No upcoming earnings date has been announced for Capitol Federal Financial, Inc. (CFFN) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy CFFN? — Investment Thesis Summary

Capitol Federal Financial, Inc. presents a balanced picture with arguments on both sides. The quality score of 38/100 flags below-average profitability. Low volatility (stability score 83/100) reduces downside risk.

In summary, Capitol Federal Financial, Inc. (CFFN) earns a Hold rating with a composite score of 45.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CFFN stock.

Related Resources for CFFN Investors

Explore more research and tools: CFFN vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CFFN head-to-head with peers: CFFN vs WTM, CFFN vs OPY, CFFN vs ACT.