Capitol Federal Financial Stock Analysis
| CFFN Stock | USD 7.69 -0.06 -0.77% |
200 Day MA 6.7079 | 50 Day MA 7.3202 | Beta 0.648 |
Macro event markers
CFFN is currently reading as below model estimate relative to an analyst target price of $7.75. Intrinsic value estimation for CFFN separates what the business produces from what the market assumes. CFFN's estimated value is a function of cash flow, margins, and growth trajectory — not current sentiment. Reported financials provide the valuation anchor; price behavior shows how the market is responding to CFFN. CFFN's current profile reflects a balance between its valuation metrics and underlying operating performance — both are examined below.
CFFN holds a debt-to-equity ratio of 0.2 relative to financials peers. After subtracting cash and equivalents, Debt To Assets stood at 0.23 as of December 31, 2025. As of this Sunday, Long Term Debt To Capitalization is above prior levels at 0.75, while Interest-Bearing Debt Per Share is 15.02. Rising leverage combined with declining revenue creates a compounding risk dynamic for Capitol Federal. The gap between return on invested capital and the weighted average cost of debt determines whether leverage creates or destroys value. Asset vs Debt
Equity vs Debt
Price Book 0.9391 | Price Sales 4.6658 | Shares Float 110.4 M | Dividend Share 0.34 | Wall Street Target Price 7.75 |
This ratio for Capitol Federal measures total obligations against the equity base available to absorb losses. D/E should be read alongside the maturity profile — even modest leverage can stress the balance sheet if maturities are concentrated.
Capitol Federal Quarterly Net Debt | 1.6 Billion |
Capitol |
Stock Analysis Notes
About 80.0% of CFFN shares are held by institutions such as insurance companies. CFFN has price-to-book (P/B) ratio of 0.94. Equities trading at this Price to Book (P/B) range may carry value potential, though margin and return quality should confirm. CFFN had its last dividend issued on the 6th of February 2026. CFFN completed a 2-for-1 stock split on 22nd of December 2010. Capitol Federal Financial's financial profile includes $9.8 billion in Total Assets, a Return On Assets of 0.7%, and a Return On Tangible Assets of 0.7%.Retained Earnings | -74.67 Million |
Investor Insights and Alerts
| Capitol Federal has a poor financial position based on the latest SEC disclosures | |
| Latest headline from finance.yahoo.com: Heritage Financial Q 1 Earnings Surpass Estimates |
Largest EPS Surprises
EPS surprise history helps explain abrupt moves in Capitol Federal's price behavior. A negative gap to consensus tends to pressure valuation, while a positive gap can support re-rating. For this stock, read EPS surprises with profitability quality and forward revisions.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2024-10-23 | 2024-09-30 | 0.08 | 0.09 | 0.01 | 12 | ||
2023-04-26 | 2023-03-31 | 0.1 | 0.11 | 0.01 | 10 | ||
2010-11-17 | 2010-09-30 | 0.1 | 0.09 | -0.01 | 10 |
Environmental, Social, and Governance (ESG) Scores
For Capitol Federal Financial, ESG factors matter because governance, regulation, and reputation risks can directly affect financial outcomes. For Capitol Federal Financial, ESG considerations carry the most weight in governance discipline and workforce stability — areas where operational risk intersects with stakeholder outcomes.
Top Institutional Investors Holding Capitol Stock
Annual revenue is about 417.4 Million. How Capitol Federal Financial's institutional base reacts to earnings changes can move the stock in the short term. Shares outstanding are near 127.3 M. The insider stake is large enough to signal management alignment, which can steady the price during sell-offs.
| Shares | Hotchkis & Wiley Capital Management Llc | 2025-12-31 | 2 M | Charles Schwab Investment Management Inc | 2025-12-31 | 1.8 M | The Goldman Sachs Group Inc | 2025-12-31 | 1.8 M | Morgan Stanley - Brokerage Accounts | 2025-09-30 | 1.7 M | Cramer Rosenthal Mcglynn Llc | 2025-12-31 | 1.5 M | Northern Trust Corp | 2025-09-30 | 1.3 M | Bank Of New York Mellon Corp | 2025-09-30 | 1.3 M | Jpmorgan Chase & Co | 2025-09-30 | 1.2 M | Two Sigma Advisers, Llc | 2025-12-31 | 1 M | Blackrock Inc | 2025-09-30 | 18.2 M | Vanguard Group Inc | 2025-12-31 | 12.7 M |
Market Capitalization
At roughly 978.57 M, Capitol Federal Financial belongs to the small-cap segment of regional banks. Associated fundamentals relevant to market cap include a workforce of about 604 people, about 127.25 M shares outstanding, and enterprise value near 2.58 B.Profitability
Profitability metrics test whether Capitol Federal Financial is building real earning power or just reporting one-time accounting gains. Annual revenue is about 417.4 Million. Comparing gross, operating, and net margins isolates where margin strength or pressure originates. CFFN has Profit Margin (PM) of 35.0 %, which implies that the company is not heavily pressured on either the cost or pricing side. This is meaningfully above the sector average. Similarly, it shows Operating Margin (OM) of 47.0 %, which suggests that the company generates $47.0 in operating profit for every $100 of revenue.| Last Reported | End Of Year Estimate | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.03 | 0.03 | |
| Return On Assets | 0.80% | 0.70% | |
| Return On Equity | 7.47% | 5.20% |
Management Efficiency
CFFN has return on total asset (ROA) of 0.75 % which implies that it generated $0.75 in profit per $100 of assets. This is modestly below the industry benchmark. Similarly, it shows a return on stockholder's equity (ROE) of 7.05 %, which implies that it's equity base generated $7.05 in earnings per $100.| Last Reported | End Of Year Estimate | ||
| Book Value Per Share | 7.25 | 6.15 | |
| Tangible Book Value Per Share | 7.19 | 6.14 | |
| Enterprise Value Over EBITDA | 31.99 | 39.67 | |
| Price Book Value Ratio | 0.91 | 1.75 | |
| Enterprise Value Multiple | 31.99 | 39.67 | |
| Price Fair Value | 0.91 | 1.75 |
A leadership review of Capitol Federal Financial should test whether management is creating repeatable operating progress instead of relying on one-time gains or favorable cycle conditions. Operating efficiency, capital deployment, and guidance credibility together determine how much confidence management warrants.
Operating Margin | Three Month Return 13.08824 | Short Long Term Debt Total | Ten Year Return -42.35 | Three Year Return 19.22481 |
Technical Drivers
Market data as of the 26th of April shows Capitol Federal priced at 7.69 per share. Measured indicators report Downside Deviation of 1.77, mean deviation of 1.14, and Risk Adjusted Performance of 0.1077. The model examines historical data series to identify measurable trend characteristics. Technical levels are measured against peer distributions.Price Movement Analysis - Bollinger Bands
This analysis covers thirty-eight data points across the selected time horizon. Bollinger Bands are a widely used volatility indicator developed by John Bollinger. The indicator consists of three lines. Capitol Federal middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Capitol Federal Financial. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Insider Trading Activities
Insider activity around Capitol Federal Financial matters because officers and directors often act on business changes before the market catches up. The pattern is informative when compared with earnings releases and guidance changes rather than treated alone.
Outstanding Bonds
Outstanding bonds linked to Capitol Federal Financial can tell investors a great deal about how the company finances itself beyond common equity markets. Used together with earnings and cash-flow analysis, the bond stack can reveal whether leverage is a manageable tool or a developing constraint.
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Predictive Daily Indicators
Short-horizon indicators in Capitol Federal Financial turn fast-changing price action into clearer risk and execution cues. The best setups combine these signals with strict risk limits, since short-term data can reverse fast when liquidity thins.
Corporate Filings
13A | 9th of April 2026 The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934 | |
| 8th of April 2026 Other Reports | ||
13A | 26th of March 2026 An amended filing to the original Schedule 13G | |
10Q | 6th of February 2026 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | |
8K | 2nd of February 2026 An amendment to a previously filed Form 8-K | |
8K | 29th of January 2026 Report filed with the SEC to announce major events that shareholders should know about | |
8K | 28th of January 2026 Report filed with the SEC to announce major events that shareholders should know about | |
8K | 23rd of January 2026 Report filed with the SEC to announce major events that shareholders should know about |
Forecast Models
Quantitative tools for Capitol Federal Financial focus on observed patterns, which helps when markets move faster than research can update. These models describe patterns, not guarantees. The real test is whether market conditions have changed enough to break the old pattern.Financial Strength and Earnings Quality Indicators
Capitol Federal Financial financial ratings play a critical role in determining how much Capitol Federal have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Capitol Federal's borrowing costs.| Piotroski F Score | 4 | Poor | View |
| Beneish M Score | -3.07 | Unlikely Manipulator | View |
Debt to Cash Allocation
The debt-to-cash mix for Capitol Federal helps explain how management balances flexibility and funding cost through a business cycle.
Total debt stands at approximately $1.95 B with Debt to Equity (D/E) ratio of 0.2. Note, when we think about Capitol Federal's use of debt, we should always consider it together with its cash and equity.Total Assets Over Time
Assets Financed by Debt
Debt finances 33.0% of CFFN's total assets — a relatively low share of the asset base, though leverage can still appear elevated relative to peers when measured against equity rather than total assets.Capitol Federal Debt Ratio | 33.0 |
Corporate Bonds Issued
Capitol Short Long Term Debt Total
Short Long Term Debt Total | 2.13 Billion |
Stock Analysis Methodology
As a small-cap equity, Capitol Federal is scored on valuation, solvency, and operating efficiency. Capitol Federal operates in Regional Banks within Banks - Regional in Financial Services. Financial distress probability is estimated at 8%, indicating low near-term solvency risk. Capitol Federal trades at P/E of 14.66, P/B of 0.94.
Capitol Federal Financial figures are aggregated from periodic company reporting and market reference feeds and normalized across reporting formats. Analyst inputs may be included when coverage is available.
Editorial review and methodology oversight provided by: Rifka Kats, Member of Macroaxis Editorial Board
Current Capitol Analyst Rating Consensus
| Target Price | Consensus | # of Analysts | |
| 7.75 | Hold | 2 | Odds |
Analyst recommendations for Capitol Federal Financial are summarized from various research providers. The summary includes average consensus context. Wall Street analysts covering Capitol Federal Financial typically update price targets and ratings quarterly. A rising consensus or cluster of upgrades for Capitol often signals improving fundamental momentum.
Capitol Stock Analysis Indicators
Diagnostics snapshot includes 18 indicators such as Begin Period Cash Flow, Long Term Debt, Common Stock Shares Outstanding.
| Begin Period Cash Flow | 217.3 M | |
| Long Term Debt | 1.9 B | |
| Common Stock Shares Outstanding | 130 M | |
| Total Stockholder Equity | 1 B | |
| Total Cashflows From Investing Activities | -206.6 M | |
| Tax Provision | 15 M | |
| Quarterly Earnings Growth Y O Y | 0.326 | |
| Property Plant And Equipment Net | 89.3 M | |
| Cash And Short Term Investments | 1.1 B | |
| Cash | 252.4 M | |
| Net Debt | 1.7 B | |
| 50 Day M A | 7.3202 | |
| Total Current Liabilities | 6.6 B | |
| Other Operating Expenses | 334.4 M | |
| Non Current Assets Total | 113.1 M | |
| Forward Price Earnings | 20.4499 | |
| Non Currrent Assets Other | -8.1 B | |
| Stock Based Compensation | 1.4 M |