CFFN
Capitol Federal Financial, Inc.
| Exchange: | NASDAQ |
| Market Cap: | 952.928M |
| Shares Outstanding: | 207.156M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | John Dicus | |||||
| Full Time Employees: | 583 | |||||
| Address: |
| |||||
| Website: | https://capfed.com |
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Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
No earnings call materials on file for this symbol yet.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 185,640 | 379,368 | 417,401 |
| Gross Profit | -27,715 | 163,327 | 197,448 |
| EBITDA | -128,847 | 62,806 | 90,740 |
| Operating Income | -138,955 | 54,103 | 83,021 |
| Net Income | -101,659 | 38,010 | 68,025 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 10,167,372 | 9,527,608 | 9,778,701 |
| Total Liabilities | 9,133,407 | 8,495,338 | 8,731,024 |
| Total Stockholders Equity | 1,033,965 | 1,032,270 | 1,047,676.999 |
| Total Debt | 2,379,125 | 2,179,564 | 1,950,770 |
| Cash and Cash Equivalents | 245,605 | 217,307 | 252,443 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 47,531 | 31,184 | 13,548 |
| Capital Expenditure | -6,281 | -7,184 | 0 |
| Free Cash Flow | 41,250 | 24,000 | 13,548 |
| Net Income | -101,659 | 38,010 | 68,025 |
| Net Change in Cash | 196,411 | -28,298 | -32,479 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 242,545 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 242,545 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 242,545 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 22,621.869 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 22,621.869 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 22,621.869 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 91,018.200 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 91,018.200 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 91,018.200 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 53,416.189 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 53,416.189 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 53,416.189 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 0.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 0.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 0.700 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Stable Financial Performance: CFFN demonstrates consistent revenue and net income figures as per the latest Income Statements, with positive operating cash flow and free cash flow trends from the Cash Flow Statements, indicating operational efficiency and liquidity to support ongoing activities.
- Strong Balance Sheet Metrics: The Balance Sheet data highlights a solid level of cash and cash equivalents relative to total current liabilities, alongside a manageable debt-to-equity ratio from Key Metrics, reflecting financial stability and lower leverage risk.
- Dividend Yield Attractiveness: As per Key Metrics, CFFN offers a competitive dividend yield (dividendYieldTTM), which may appeal to income-focused investors seeking steady returns in the financial sector.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates CFFN intrinsic value between $2.72 – $7.87 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about CFFN valuation
Is Capitol Federal Financial, Inc. (CFFN) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Capitol Federal Financial, Inc. (CFFN) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CFFN a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CFFN trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CFFN’s P/E ratio?
You can see CFFN’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CFFN?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CFFN a good long-term investment?
Whether CFFN fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
Trading Metrics:
| Open: | 7.08 | Previous Close: | 7.2 | |
| Day Low: | 7.06 | Day High: | 7.27 | |
| Year Low: | 4.9 | Year High: | 7.84 | |
| Price Avg 50: | 7.23 | Price Avg 200: | 6.6 | |
| Volume: | 665031 | Average Volume: | 933380 |
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Login — it's freeCFFN full analysis
Welcome to MARKETSNAP’s SWOT analysis for Capitol Federal Financial, also known by its ticker CFFN. If you’re not familiar with this name, let me give you the quick rundown. Capitol Federal Financial is a holding company for Capitol Federal Savings Bank, operating primarily in the banking and financial services space. Based in the U.S., they’re focused on providing mortgage loans, deposit accounts, and other banking services, mainly in the Midwest. They’re a player in the financial sector, specifically within the…
