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CFFN stock logo

CFFN

Capitol Federal Financial, Inc.

$8.17
-0.07
 (-0.79%)
Exchange:  NASDAQ
Market Cap:  1.008B
Shares Outstanding:  207.156M
Delayed data
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Banks – RegionalView industry performance
   
CEO:  John Dicus
Full Time Employees:  641
Address: 
700 South Kansas Avenue
Topeka
KS
66603
US
Website:  https://capfed.com
Capitol Federal Financial, Inc. acts as the parent company for Capitol Federal Savings Bank, offering a comprehensive suite of retail banking services. The bank provides diverse deposit products, including savings, money market, interest-bearing and standard checking accounts, as well as certificates of deposit. Its lending portfolio is equally broad, featuring mortgages for one-to-four-family residences, commercial real estate, commercial and industrial, and construction loans. Additionally, consumer credit options are available, such as home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. Beyond these, the institution delivers modern banking conveniences through mobile, telephone, and online platforms, alongside bill payment services, and operates a customer call center. It also engages in strategic securities investments. The bank’s physical presence includes 54 branches—45 traditional and 9 in-store locations—spanning nine counties in Kansas and two in Missouri. Key service areas encompass the metropolitan regions of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina in Kansas, plus a segment of the broader Kansas City metropolitan area. Capitol Federal Financial, Inc., founded in 1893, is headquartered in Topeka, Kansas.

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Revenue Segmentation

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CFFN full analysis

08/09/2025

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…

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
CFCFFN logoCFFNCapitol Federal Financial, Inc.1.0B12.911.80.9%
CCCCNE logoCCNECNB Financial Corporation1.0B10.69.61.0%
MCMCBS logoMCBSMetroCity Bankshares, Inc.1.0B11.710.817.2%
MBMBWM logoMBWMMercantile Bank Corporation1.0B10.210.5-2.4%
HBHBNC logoHBNCHorizon Bancorp, Inc.999.2M—9.1-12.3%
BFBFST logoBFSTBusiness First Bancshares, Inc.1.0B10.810.40.5%

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

No earnings call materials on file for this symbol yet.

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue185,640379,368417,401
Gross Profit-27,715163,327197,448
EBITDA-128,84762,80690,740
Operating Income-138,95554,10383,021
Net Income-101,65938,01068,025

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets10,167,3729,527,6089,778,701
Total Liabilities9,133,4078,495,3388,731,024
Total Stockholders Equity1,033,9651,032,2701,047,676.999
Total Debt2,379,1252,179,5641,950,770
Cash and Cash Equivalents245,605217,307252,443

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow47,53131,18413,548
Capital Expenditure-6,281-7,1840
Free Cash Flow41,25024,00013,548
Net Income-101,65938,01068,025
Net Change in Cash196,411-28,298-32,479

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)259,377Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)263,679.999Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)261,528.500Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)142,503.057Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)156,070.072Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)149,286.565Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)104,020.800Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)114,422.880Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)109,221.840Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)57,123.135Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)58,070.793Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)57,596.964Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)0.840Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)0.880Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)0.800Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)2Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
395.432M  ?P/S
 (TTM)
: 
2.38
?Net Income
 (TTM)
: 
37.977M  ?P/E
 (TTM)
: 
12.91
?Enterprise Value
 (TTM)
: 
2.535B  ?EV/FCF
 (TTM)
: 
35.44
?Dividend Yield
 (TTM)
: 
4.53%  ?Payout Ratio
 (TTM)
: 
58.62%
?ROE
 (TTM)
: 
8.01%  ?ROIC
 (TTM)
: 
0.92%
?Net Debt
 (TTM)
: 
2.134B  ?Debt/Equity
 (TTM)
: 
1.6
?P/B
 (TTM)
: 
1.02  ?Current Ratio
 (TTM)
: 
66.42

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
11.84Research AccessResearch AccessResearch AccessResearch Access

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SWOT 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 $3.50 – $7.33 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.


Calculate CFFN Intrinsic Value

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.

Research tools for Capitol Federal Financial, Inc.

  • Capitol Federal Financial, Inc. intrinsic value calculatorEstimate what the business is worth
  • Capitol Federal Financial, Inc. 5-year outlookWhat has to go right, and what could go wrong
CFFN

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.79
MarketSnap

Trading Metrics:

Open: 8.29   Previous Close: 8.24
Day Low: 8.14   Day High: 8.39
Year Low: 5.97   Year High: 9.26
Price Avg 50: 8.64   Price Avg 200: 7.91
Volume: 1.577M   Average Volume: 903501

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Relevant news

All You Need to Know About Capitol Federal (CFFN) Rating Upgrade to Buy
27-05-2026 13:01
All You Need to Know About Capitol Federal (CFFN) Rating Upgrade to Buy

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