A Business at a Glance
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Capitol Federal Financial, Inc.
CFFN
$1.1B
Mkt Cap
$8.65
+1.17%
Capitol Federal Financial, Inc. (CFFN) has a current P/E ratio of 15.4, compared to its historical median P/E of 13.3. The stock is currently considered Fair based on its historical valuation range.
Capitol Federal Financial, Inc. (CFFN) has a 5-year average return on invested capital (ROIC) of 2.8%. This is below average and may indicate limited pricing power.
Capitol Federal Financial, Inc. (CFFN) has a market capitalization of $1.1B. It is classified as a small-cap stock.
Yes, Capitol Federal Financial, Inc. (CFFN) pays a dividend with a trailing twelve-month yield of 3.94%. The company also returns capital through share buybacks, with a buyback yield of 1.77%.
Based on historical P/E analysis, Capitol Federal Financial, Inc. (CFFN) appears fair. The current P/E of 15.4 is 16% above its historical median of 13.3. The estimated fair value CAGR (P/E method) is -6.6%.
Capitol Federal Financial, Inc. (CFFN) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
The Company is a Maryland corporation with its common stock traded on the Global Select tier of the NASDAQ Stock Market. The Bank is a wholly-owned subsidiary of the Company and is a federally chartered and insured savings bank headquartered in Topeka, Kansas. The Bank continues to transition from a retail oriented financial institution to one with an expanded focus on commercial customers by strategically growing all aspects of commercial banking through investment in technology, people, products, and services. We attract deposits primarily from the general public and from businesses, and invest those funds primarily in commercial loans, either secured by real estate or for commercial and industrial purposes, and in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences. The Bank is active in commercial lending markets even when the lending opportunity is outside of the Bank's local footprint.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 211M | 420M | 382M | 188M | 302M | 286M |
| Net Income | 73M | 68M | 38M | -102M | 84M | 76M |
| EPS | $0.55 | $0.52 | $0.29 | $-0.76 | $0.62 | $0.56 |
| Free Cash Flow | 61M | 50M | 24M | 41M | 92M | 65M |
| ROIC | 0.0% | 6.5% | 3.7% | -9.5% | 7.2% | 6.0% |
| Gross Margin | - | 47.7% | 43.5% | -13.3% | 69.7% | 68.0% |
| Debt/Equity | 0.00 | 0.00 | 0.00 | 0.00 | 0.07 | 0.00 |
| Dividends/Share | $0.34 | $0.34 | $0.34 | $0.62 | $0.76 | $0.87 |
| Operating Income | 0 | 83M | 54M | -139M | 107M | 96M |
| Operating Margin | 0.0% | 19.8% | 14.2% | -73.8% | 35.5% | 33.5% |
| ROE | 7.0% | 6.5% | 3.7% | -9.5% | 7.2% | 6.0% |
| Shares Outstanding | 130M | 131M | 131M | 134M | 136M | 136M |
| Metric | 2016 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 313M | 319M | 324M | 335M | 344M | 352M | 325M | 286M | 302M | 188M | 382M | 420M | 211M |
| Gross Margin | 65.7% | 66.0% | 66.2% | 64.9% | 64.2% | 64.7% | 57.5% | 68.0% | 69.7% | -13.3% | 43.5% | 47.7% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 44M | 43M | 42M | 43M | 47M | 53M | 53M | 56M | 57M | 51M | 52M | 60M | 62M |
| EBIT | 115M | 116M | 122M | 128M | 124M | 121M | 81M | 96M | 107M | -139M | 54M | 83M | 0 |
| Op. Margin | 36.8% | 36.3% | 37.6% | 38.1% | 36.0% | 34.3% | 24.8% | 33.5% | 35.5% | -73.8% | 14.2% | 19.8% | 0.0% |
| Net Income | 78M | 78M | 83M | 84M | 99M | 94M | 64M | 76M | 84M | -102M | 38M | 68M | 73M |
| Net Margin | 24.8% | 24.5% | 25.7% | 25.1% | 28.8% | 26.8% | 19.9% | 26.6% | 27.9% | -54.0% | 9.9% | 16.2% | 34.5% |
| Non-Recurring | 0 | 3.4M | 0 | 0 | 0 | 0 | 4.2M | 4.1M | 0 | 0 | 0 | 547K | 547K |
| Returns on Capital | |||||||||||||
| ROIC | 2.6% | 5.4% | 5.9% | 6.1% | 7.2% | 6.9% | 4.9% | 6.0% | 7.2% | -9.5% | 3.7% | 6.5% | 0.0% |
| ROE | 5.0% | 5.4% | 5.9% | 6.1% | 7.2% | 6.9% | 4.9% | 6.0% | 7.2% | -9.5% | 3.7% | 6.5% | 7.0% |
| ROA | 0.8% | 0.8% | 0.9% | 0.9% | 1.1% | 1.0% | 0.7% | 0.8% | 0.9% | -1.0% | 0.4% | 0.7% | 0.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 92M | 87M | 85M | 85M | 124M | 81M | 93M | 74M | 97M | 48M | 31M | 55M | 67M |
| Free Cash Flow | 85M | 75M | 70M | 76M | 112M | 69M | 78M | 65M | 92M | 41M | 24M | 50M | 61M |
| Owner Earnings | 83M | 78M | 22M | 77M | 115M | 71M | 83M | 65M | 87M | 38M | 23M | 47M | -47M |
| CapEx | 7.2M | 12M | 15M | 9.1M | 12M | 12M | 15M | 9.4M | 5.6M | 6.3M | 7.2M | 5.2M | 5.7M |
| Maint. CapEx | 6.3M | 6.8M | 62M | 7.8M | 8.5M | 9.1M | 9.1M | 9.4M | 9.4M | 9.0M | 7.9M | 7.2M | 113M |
| Growth CapEx | 911K | 5.2M | 0 | 1.3M | 3.3M | 2.6M | 5.6M | 38K | 0 | 0 | 0 | 0 | 0 |
| D&A | 6.3M | 6.8M | 62M | 7.8M | 8.5M | 9.1M | 9.1M | 9.4M | 9.4M | 9.0M | 7.9M | 7.2M | 113M |
| CapEx/OCF | 7.9% | 13.9% | 17.5% | 10.7% | 9.5% | 14.5% | 15.9% | 12.6% | 5.7% | 13.2% | 23.0% | 9.5% | 8.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 138M | 114M | 112M | 118M | 118M | 135M | 94M | 118M | 103M | 83M | 45M | 44M | 44M |
| Dividend Yield | 18.0% | 14.2% | 12.3% | 10.9% | 11.2% | 11.5% | 8.4% | 9.9% | 9.4% | 10.4% | 6.8% | 5.9% | 3.9% |
| Share Buybacks | 80M | 50M | 0 | 0 | 0 | 0 | 21M | 4.6M | 0 | 23M | 19M | 3.9M | 20M |
| Buyback Yield | 10.3% | 6.1% | N/A | N/A | N/A | N/A | 2.4% | 0.4% | N/A | 4.4% | 2.8% | 0.5% | 1.8% |
| Stock-Based Comp | 2.1M | 2.1M | 1.1M | 506K | 372K | 552K | 570K | 496K | 498K | 327K | 358K | 400K | 398K |
| Debt Repayment | 0 | 3.4M | 0 | 0 | 0 | 0 | 4.2M | 5.1M | 0 | 0 | 0 | 547K | 547K |
| Balance Sheet | |||||||||||||
| Net Debt | -11M | -73M | -282M | -352M | -754M | -1.3B | -1.7B | -42M | 26M | -246M | -217M | -252M | -233M |
| Cash & Equiv. | 811M | 773M | 282M | 352M | 139M | 220M | 185M | 42M | 49M | 246M | 217M | 252M | 233M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.54 | 0.49 | 0.00 | 0.00 | 0.07 | 0.07 | 0.00 | 0.00 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 1.5B | 1.4B | 1.4B | 1.4B | 1.4B | 1.3B | 1.3B | 1.2B | 1.1B | 1.0B | 1.0B | 1.0B | 1.0B |
| Total Assets | 9.9B | 9.8B | 9.3B | 9.2B | 9.4B | 9.3B | 9.5B | 9.6B | 9.6B | 10.2B | 9.5B | 9.8B | 9.8B |
| Total Liabilities | 8.4B | 8.4B | 7.9B | 7.8B | 8.1B | 8.0B | 8.2B | 8.4B | 8.5B | 9.1B | 8.5B | 8.7B | 8.7B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4.0M | 2.6M | 1.5M | 746K | 223K | 223K |
| Retained Earnings | 347M | 297M | 268M | 235M | 215M | 174M | 143M | 99M | 80M | -105M | -111M | -87M | -78M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.56 | 0.58 | 0.63 | 0.63 | 0.73 | 0.68 | 0.47 | 0.56 | 0.62 | -0.76 | 0.29 | 0.52 | 0.55 |
| Owner EPS | 0.60 | 0.58 | 0.16 | 0.58 | 0.85 | 0.51 | 0.61 | 0.48 | 0.64 | 0.29 | 0.17 | 0.36 | -0.36 |
| Book Value | 10.78 | 10.53 | 10.52 | 10.25 | 10.27 | 9.65 | 9.36 | 9.15 | 8.05 | 7.81 | 7.88 | 8.02 | 8.02 |
| Cash Flow/Share | 0.66 | 0.64 | 0.64 | 0.64 | 0.92 | 0.58 | 0.68 | 0.55 | 0.71 | 0.36 | 0.24 | 0.42 | 1.43 |
| Dividends/Share | 0.98 | 0.84 | 0.84 | 0.88 | 0.88 | 0.98 | 0.68 | 0.87 | 0.76 | 0.62 | 0.34 | 0.34 | 0.34 |
| Shares Out. | 138.4M | 134.4M | 132.4M | 133.5M | 135.5M | 138.5M | 137.2M | 135.8M | 136.1M | 133.7M | 131.0M | 130.7M | 129.8M |
| Valuation | |||||||||||||
| P/E Ratio | 10.0 | 10.5 | 12.0 | 13.3 | 10.6 | 13.3 | 13.6 | 15.3 | 10.9 | N/A | 18.2 | 11.9 | 15.7 |
| P/FCF | 9.2 | 11.0 | 14.3 | 14.6 | 9.3 | 18.2 | 11.2 | 17.8 | 10.0 | 13.0 | 28.9 | 16.2 | 18.3 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.5 | 0.6 | 0.7 | 0.8 | 0.8 | 0.9 | 0.7 | 0.9 | 0.8 | 0.5 | 0.7 | 0.8 | 1.1 |
| Price/Sales | 3.7 | 3.8 | 4.2 | 5.0 | 4.8 | 5.1 | 5.3 | 5.9 | 5.1 | N/A | 3.9 | 3.7 | 5.3 |
| FCF Yield | 10.9% | 9.1% | 7.0% | 6.8% | 10.7% | 5.5% | 8.9% | 5.6% | 10.0% | 7.7% | 3.5% | 6.1% | 5.5% |
| Market Cap | 777M | 819M | 1.0B | 1.1B | 1.0B | 1.3B | 878M | 1.2B | 920M | 536M | 693M | 811M | 1.1B |
| Avg. Price | 5.53 | 6.00 | 6.86 | 8.14 | 7.82 | 8.46 | 8.12 | 8.76 | 8.07 | 5.95 | 5.00 | 5.70 | 8.65 |
| Year-End Price | 5.60 | 6.08 | 7.57 | 8.37 | 7.72 | 9.07 | 6.39 | 8.55 | 6.75 | 4.01 | 5.29 | 6.20 | 8.65 |
Capitol Federal Financial, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
Capitol Federal Financial, Inc. trades at 15.4x trailing earnings, compared to its 15-year median P/E of 13.3x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 18.3x vs a median of 14.5x. The company's 5-year average ROIC is 2.8% with a gross margin of 43.1%. Total shareholder yield (dividends + buybacks) is 5.7%. At current prices, the estimated annualized return to fair value is -13.1%.
Capitol Federal Financial, Inc. (CFFN) reported annual revenue of $420 million in its most recent fiscal year, based on SEC EDGAR filings.
Capitol Federal Financial, Inc. (CFFN) has a net profit margin of 16.2%. This is a healthy margin.
Capitol Federal Financial, Inc. (CFFN) generated $50 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Capitol Federal Financial, Inc. (CFFN) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
Capitol Federal Financial, Inc. (CFFN) reported earnings per share (EPS) of $0.52 in its most recent fiscal year.
Capitol Federal Financial, Inc. (CFFN) has a return on equity (ROE) of 6.5%. This indicates moderate shareholder returns.
Capitol Federal Financial, Inc. (CFFN) has a 5-year average gross margin of 43.1%. This indicates decent pricing power.
The Ledger Terminal provides 16 years of financial data for Capitol Federal Financial, Inc. (CFFN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Capitol Federal Financial, Inc. (CFFN) has a book value per share of $8.02, based on its most recent annual SEC filing.