Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc.

CFFNยทNASDAQ

$7.62

-3.1%
Financial ServicesBanks - Regional

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 deposit. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity, loans and lines of credit, home improvement loans, vehicle loans, and loans secured by saving deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 54 branches, including 45 traditional branches and nine in-store branches located in nine counties throughout Kansas and two counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

At a Glance

Live Snapshot
Market Cap$965.99M
EPS0.5200
P/E Ratio14.65
Earnings Date07/22/2026
Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc. Fair Value Envelope

CFFN ยท NASDAQ

Our analysis suggests that CFFN has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $7.62, this represents a potential HIDDEN relative to our calculated worth for Capitol Federal Financial, Inc..

Intrinsic Value
Current Price: $7.62

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$491.0B
+ Cash & Equivalents$252.4M
Firm Value$491.2B
- Debt$2.0B
Equity Value$489.3B
/ Shares Outstanding129,559,913B
DCF Value$3.8K
UNDERVALUED BY 49461%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$110.1M
$220.2M
$440.3M
$880.7M
$1.8B
$3.5B
$7.0B
$14.1B
$28.2B
$56.4B
Maintenance CapEx
-$2.1M
-$4.2M
-$8.3M
-$16.6M
-$33.3M
-$66.6M
-$133.2M
-$266.3M
-$532.7M
-$1.1B
Owner Earnings
$108.0M
$216.0M
$432.0M
$864.0M
$1.7B
$3.5B
$6.9B
$13.8B
$27.6B
$55.3B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$100.0M
$185.2M
$342.9M
$635.1M
$1.2B
$2.2B
$4.0B
$7.5B
$13.8B
$25.6B
Terminal Value represents 88.7% of Enterprise Value