Capitol Federal Financial, Inc.

Valuation Analysis

About the Company

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 offers a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts. 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 savings deposits. In addition, the company offers mobile, telephone, and online banking

Capitol Federal Financial, Inc. Stock at a Glance

Capitol Federal Financial, Inc. (CFFN) is currently trading at $8.25 with a market capitalization of $1B. The trailing P/E ratio stands at 13.75x, with a forward P/E of 11.46x. The 52-week range spans from $5.71 to $8.26; the current price is 0.1% below the yearly high. Year-over-year revenue growth stands at +13.4%. The net profit margin stands at 35.9%.

💰 Dividend

Capitol Federal Financial, Inc. pays an annual dividend of $0.34 per share, representing a yield of 4.12%. The payout ratio stands at 56.67%.

📊 Analyst Rating

2 analysts rate Capitol Federal Financial, Inc. (CFFN) on consensus: None. The average price target is $8.25. Analyst price targets range from $8.00 to $8.50.

Capitol Federal Financial, Inc.: The Investment Case in Detail

Capitol Federal Financial, Inc. (CFFN) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 13.4% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 34.3% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

At a PEG of 4.09, investors are paying more than three times the growth rate for each unit of earnings — that pricing assumes growth not only continues but accelerates from here.

What to Watch Next

• The forward P/E of 11.46x is meaningfully below the trailing 13.75x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 99.6% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 4.12% combined with a payout ratio of 56.67% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (6.57%).

Trading Data

💵 Dividend Info

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