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Company Analysis

Capitol Federal Financial, Inc. CFFN

A comprehensive view of key metrics, scores, and financial health for Capitol Federal Financial, Inc.

Overview of Capitol Federal Financial, Inc.

CFFN NMS
Financial Services Banks - Regional Small Cap
Capitol Federal Financial, Inc. (CFFN), is a Small Cap company, in the Banks - Regional industry, last closed at $6.92, about 20.8% undervalued vs fair value, +21.0% 1Y return, placing in the top 25% of its sector.
$6.92
-0.14%
As of March 13, 2026
Previous close • Vol 90d: 26.6%
52-Week Range
Market Cap
$909.55M
Enterprise Value
$2.51B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://capfed.com
HQ Topeka, KS
Employees 604
Fiscal year Sep 30

Next Events

Earnings Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$5
$8
$16
Current: $6.92 +21% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$399.5M
6%%
Interest Expense
$219.2M
Net Interest Income
$180.3M
11.3%%
Total Revenue
$198.2M
20.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.5%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$48.1M
70.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Capitol Federal Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
41
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
42
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CFFN's balance between Growth (20.2%), Profitability (52.6%), and Safety (27.2%). Growth 20% Safety 27% Profitability 53%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

23th percentile vs peers
24
Key Signals
Asset Growth YoY 2.6% 40p Rev Growth YoY 20.4% 24p Revenue CAGR 3Y -2.3% 6p
Strengths
  • Operating Margin in top 20% of peers (6.66, 99th percentile)
  • Net Profit Margin in top 20% of peers (34.3%, 96th percentile)
Risks
  • Growth below peer median (percentile: 23)

Profitability

61th percentile vs peers
62
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
32
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Capitol Federal Financial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$8.36
- - -
+20.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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