Capitol Federal Financial, Inc. (CFFN) AI Stock Analysis

Capitol Federal Financial, Inc. serves as the holding company for Capitol Federal Savings Bank, offering retail banking products and services across metropolitan areas in Kansas and parts of greater Kansas City. Founded in 1893 and headquartered in Topeka, Kansas, the institution provides deposit accounts such as savings, money market, checking, and certificates of deposit. Its lending operations include residential real estate loans, commercial real estate, commercial construction, and consumer financing such as vehicle loans and home equity lines of credit. The bank also invests in securities and provides mobile, telephone, and online banking alongside bill payment options and call center operations.

Capitol Federal Financial recorded $417.4M in revenue in FY2025, representing 10.0% growth over FY2024 revenue of $379.4M, after rebounding from $185.6M in FY2023. Net income improved to $68.0M in FY2025 from $38.0M in FY2024 and a net loss of -$101.7M in FY2023. Operating margin reached 19.9% in FY2025, up from 14.3% in FY2024, though down from 35.8% in FY2022. Over the five years from FY2020 to FY2025, revenue expanded at a compound annual growth rate of 5.3%. For the latest quarter ended June 30, 2026, quarterly revenue grew 18.3% year-over-year, while quarterly earnings grew 35.6% year-over-year, supporting a trailing twelve month operating margin of 50.1%.

As of June 30, 2026, Capitol Federal Financial held $136.1M in cash and short-term investments against $1.64B in total debt, resulting in net debt of $1.50B. Total assets stood at $9.66B compared to shareholders' equity of $1.02B, yielding a debt-to-equity ratio of 1.60 and a current ratio of 66.42. During FY2025, the bank generated $55.0M in operating cash flow and $49.8M in free cash flow. Capital allocation in FY2025 included $5.2M in capital expenditures, $3.9M directed to share buybacks, and $44.3M paid out in dividends.

At a last close of $8.17, Capitol Federal Financial trades at a trailing price-to-earnings ratio of 12.6x, slightly above the 12.1x median of its US-listed Financial Services peers. Its forward price-to-earnings ratio of 20.4x sits well above the peer median of 10.8x. The company's price-to-sales multiple is 4.5x versus the peer median of 3.2x, while price-to-book stands at 1.1x. Over the past year, CFFN returned 42.7%, outperforming the S&P 500 return of 16.8%. However, its five-year return of -4.7% trailed the benchmark return of 83.0%.

Capitol Federal Financial pays a quarterly dividend with a forward annual payout of $0.34 per share, translating to a dividend yield of 4.16%. The payout ratio stands at 45.4%. The company has paid dividends for 28 consecutive years, although its five-year annualized dividend growth rate declined 6.3%. The most recent ex-dividend date occurred on August 7, 2026.

Wall Street coverage includes 1 Strong Buy and 2 Hold recommendations, with no Buy, Sell, or Strong Sell ratings. The mean price target of $9.50 represents an upside of 16.3% over the last close of $8.17. Consensus estimates project FY2026 earnings per share of $0.69 on revenue of $235.3M, followed by FY2027 earnings per share of $0.78 on revenue of $250.7M. Over the last four quarters, the bank exceeded earnings estimates 2 times. The next earnings date is November 4, 2026.

This page is an AI-written research summary of Capitol Federal Financial, Inc. (CFFN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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