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Capitol Federal Financial, Inc. CFFN
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 5.25
0 %
$ 697 M
Market Cap
13.46
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CFFN stock under the worst case scenario is HIDDEN Compared to the current market price of 5.25 USD, Capitol Federal Financial, Inc. is HIDDEN

CFFN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CFFN stock under the base case scenario is HIDDEN Compared to the current market price of 5.25 USD, Capitol Federal Financial, Inc. is HIDDEN

CFFN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CFFN stock under the best case scenario is HIDDEN Compared to the current market price of 5.25 USD, Capitol Federal Financial, Inc. is HIDDEN

CFFN Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart CFFN

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1M -9%
6M -8%
1Y 9%
3Y -59%
5Y -62%
All
$7.2$7.2$7.0$7.0$6.8$6.8$6.6$6.6$6.4$6.4$6.2$6.2$6.0$6.0$5.8$5.8$5.6$5.6$5.4$5.4$5.2$5.215 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
165 M REVENUE
757.79%
Growth Rates
1Year 757.79%
3Years -7.90%
5Years -6.28%
7Years -3.91%
10Years -2.20%
54.1 M OPERATING INCOME
140.23%
Growth Rates
1Year 140.23%
3Years -18.12%
5Years -14.98%
7Years -11.91%
10Years -7.82%
38 M NET INCOME
137.39%
Growth Rates
1Year 137.39%
3Years -20.65%
5Years -16.61%
7Years -10.73%
10Years -6.90%
28.7 M OPERATING CASH FLOW
-39.58%
Growth Rates
1Year -39.58%
3Years -27.21%
5Years -18.72%
7Years -14.42%
10Years -10.97%
1.54 M INVESTING CASH FLOW
100.47%
Growth Rates
1Year 100.47%
3Years 26.09%
5Years -63.35%
7Years -47.81%
10Years -25.16%
-689 M FINANCING CASH FLOW
-144.06%
Growth Rates
1Year -144.06%
3Years -110.43%
5Years -28.11%
7Years -22.98%
10Years -8.17%
97.6 M REVENUE
116.81%
Growth Rates
1Year 757.79%
3Years -7.90%
5Years -6.28%
7Years -3.91%
10Years -2.20%
96.8 M OPERATING INCOME
403.98%
Growth Rates
1Year 140.23%
3Years -18.12%
5Years -14.98%
7Years -11.91%
10Years -7.82%
15.4 M NET INCOME
27.98%
Growth Rates
1Year 137.39%
3Years -20.65%
5Years -16.61%
7Years -10.73%
10Years -6.90%
5.61 M OPERATING CASH FLOW
281.43%
Growth Rates
1Year -39.58%
3Years -27.21%
5Years -18.72%
7Years -14.42%
10Years -10.97%
-65.8 M INVESTING CASH FLOW
-5265.01%
Growth Rates
1Year 100.47%
3Years 26.09%
5Years -63.35%
7Years -47.81%
10Years -25.16%
13.2 M FINANCING CASH FLOW
113.71%
Growth Rates
1Year -144.06%
3Years -110.43%
5Years -28.11%
7Years -22.98%
10Years -8.17%
Balance Sheet Capitol Federal Financial, Inc.
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Current Assets 218 M
Cash & Short-Term Investments 217 M
Receivables 359 K
Other Current Assets 0
Non-Current Assets 9.31 B
Long-Term Investments 293 M
PP&E 91.5 M
Other Non-Current Assets 8.93 B
3.08 %93.68 %Total Assets$9.5b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 6.07 B
Long-Term Debt 1.53 B
Other Non-Current Liabilities 4.54 B
25.22 %74.78 %Total Liabilities$6.1b
EFFICIENCY
Earnings Waterfall Capitol Federal Financial, Inc.
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Revenue 165 M
Cost Of Revenue 0
Gross Profit 165 M
Operating Expenses 165 M
Operating Income 54.1 M
Other Expenses 16.1 M
Net Income 38 M
180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00165m0165m(165m)54m(16m)38mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
32.87% OPERATING MARGIN
32.87%
Averages
1Year 32.87%
3Years 206.84%
5Years 142.20%
7Years 117.45%
10Years 100.29%
23.09% NET MARGIN
23.09%
Averages
1Year 23.09%
3Years 155.85%
5Years 107.65%
7Years 89.21%
10Years 73.89%
3.68% ROE
3.68%
Averages
1Year 3.68%
3Years 0.52%
5Years 2.54%
7Years 3.84%
10Years 4.45%
0.40% ROA
0.40%
Averages
1Year 0.40%
3Years 0.09%
5Years 0.35%
7Years 0.54%
10Years 0.64%
0.40% ROIC
0.40%
Averages
1Year 0.40%
3Years 0.75%
5Years -0.28%
7Years -0.95%
10Years -0.24%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Capitol Federal Financial, Inc.
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120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 38 M
Depreciation & Amortization 8.7 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital -18.3 M
Others -26.1 M
Free Cash Flow 28.7 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Capitol Federal Financial, Inc.
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Wall Street analysts predict an average 1-year price target for CFFN of $6.25 , with forecasts ranging from a low of $5.5 to a high of $7 .
CFFN Lowest Price Target Wall Street Target
5.5 USD 4.76%
CFFN Average Price Target Wall Street Target
6.25 USD 19.05%
CFFN Highest Price Target Wall Street Target
7 USD 33.33%
Price
Max Price Target
Min Price Target
Average Price Target
88777766665555May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.44% DIVIDEND YIELD
0.085 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.9000.9000.8000.8000.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.0850.0850.0850.0850.0850.0850.0850.0850.0850.0850.0850.0850.250.0850.250.0850.250.0850.250.0850.250.0850.0850.40.0850.20.0850.0850.0850.0850.0850.0850.0850.0850.0850.0850.0850.0850.0850.340.250.670.0850.340.290.710.0850.340.290.710.0850.340.390.810.0850.340.340.760.0850.260.130.220.0850.490.220.310.0850.290.280.370.0850.170.0850.092015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 18
6. Ownership
Insider Ownership Capitol Federal Financial, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
270 K USD 4
0-3 MONTHS
103 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
51.2 K USD 1
9-12 MONTHS
7. News
Capitol Federal Financial: 5.5% Dividend Yield And Positive Earnings Outlook Thanks To The Margin The margin will likely continue to grow because more liabilities than assets are scheduled to re-price downward over the next twelve months. I'm not as optimistic anymore about residential mortgage demand as I was previously. The Mortgage Bankers Association has also reduced its estimates for 2025. Nevertheless, the housing market is good enough to keep loan growth near the historical norm. seekingalpha.com - 2 months ago
Capitol Federal (CFFN) Upgraded to Buy: Here's Why Capitol Federal (CFFN) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 2 months ago
Capitol Federal Financial (CFFN) Q1 Earnings and Revenues Surpass Estimates Capitol Federal Financial (CFFN) came out with quarterly earnings of $0.12 per share, beating the Zacks Consensus Estimate of $0.11 per share. This compares to earnings of $0.10 per share a year ago. zacks.com - 2 months ago
Capitol Federal Financial, Inc.® Announces Annual Meeting Presentation Available on Website TOPEKA, Kan.--(BUSINESS WIRE)--Capitol Federal Financial, Inc.® Announces Annual Meeting Presentation Available on Website. businesswire.com - 2 months ago
KBW Announces Index Rebalancing for Fourth-Quarter 2024 NEW YORK, Dec. 13, 2024 (GLOBE NEWSWIRE) -- Keefe, Bruyette & Woods, Inc., a leading specialist investment bank to the financial services and fintech sectors, and a wholly owned subsidiary of Stifel Financial Corp. (NYSE: SF), announces the upcoming index rebalancing for the fourth quarter of 2024. globenewswire.com - 4 months ago
New Strong Buy Stocks for November 4th CFFN, VLRS, NBBK, WGS and ISBA have been added to the Zacks Rank #1 (Strong Buy) List on November 4, 2024. zacks.com - 5 months ago
Best Income Stocks to Buy for November 4th CFFN, BABA and ISBA made it to the Zacks Rank #1 (Strong Buy) income stocks list on November 4, 2024. zacks.com - 5 months ago
Capitol Federal Financial (CFFN) Q4 Earnings and Revenues Top Estimates Capitol Federal Financial (CFFN) came out with quarterly earnings of $0.09 per share, beating the Zacks Consensus Estimate of $0.07 per share. This compares to earnings of $0.04 per share a year ago. zacks.com - 5 months ago
Capitol Federal Financial, Inc.® Announces Quarterly Dividend TOPEKA, Kan.--(BUSINESS WIRE)--Capitol Federal Financial, Inc.® Announces Quarterly Dividend. businesswire.com - 5 months ago
Capitol Federal Financial, Inc.® Announces Annual Stockholders Meeting Date TOPEKA, Kan.--(BUSINESS WIRE)--Capitol Federal Financial, Inc.® Announces Annual Stockholders Meeting Date. businesswire.com - 5 months ago
Capitol Federal Financial (CFFN) Misses Q3 Earnings and Revenue Estimates Capitol Federal Financial (CFFN) came out with quarterly earnings of $0.07 per share, missing the Zacks Consensus Estimate of $0.11 per share. This compares to earnings of $0.06 per share a year ago. zacks.com - 8 months ago
Wall Street's Most Accurate Analysts Spotlight On 3 Financial Stocks With Over 5% Dividend Yields During times of turbulence and uncertainty in the markets, many investors turn to dividend-yielding stocks. These are often companies that have high free cash flows and reward shareholders with a high dividend payout. benzinga.com - 9 months ago
8. Profile Summary

Capitol Federal Financial, Inc. CFFN

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 697 M
Dividend Yield 1.44%
Description 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.
Contact 700 South Kansas Avenue, Topeka, KS, 66603 https://capfed.com
IPO Date April 1, 1999
Employees 583
Officers Mr. John B. Dicus Chairman, President & Chief Executive Officer Ms. Natalie G. Haag J.D. Executive Vice President, General Counsel & Corporate Secretary - submit Ms. Tara D. Van Houweling First Vice President, Principal Accounting Officer & Reporting Director Mr. William Joseph Skrobacz Jr. Executive Vice President & Chief Retail Operations Officer Mr. Anthony S. Barry J.D. Executive Vice President & Chief Corporate Services Officer Mr. Kent G. Townsend Executive Vice President, Chief Financial Officer & Treasurer Mr. Rick Cordell Jackson Chief Lending Officer and Executive Vice President