Stock AnalizCapitol Federal Financial, Inc. CFFN
Savings Institutions · data as of November 13, 2026
Capitol Federal Financial, Inc. (CFFN) is a financial company listed in the US with a market value of about $1.1B. In the twelve months to September 30, 2026 it had revenue of $233M and net income of $86M, a net margin of 37.1%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is track record (0/5).
Key numbers: a P/E of 12.6, a price to free cash flow of 42.1, 5-year revenue growth of -1% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 8% above the current price.
Score: 2.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- Profit margin improving
- Strong R&D investment or growth above 20%
- Positive free cash flow
- Pays a dividend
Checks not passed
- P/FCF below 20
- PEG below 1.5
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $233M | $201M | $167M | $0 | $215M | $203M | $209M | $228M | $221M | $218M | $215M |
| Net income | $86M | $68M | $38M | -$102M | $84M | $76M | $65M | $94M | $99M | $84M | $83M |
| Free cash flow | $25M | $50M | $24M | $41M | $92M | $65M | $78M | $69M | $112M | $76M | $70M |
| EPS (diluted) | $0.67 | $0.52 | $0.29 | $-0.76 | $0.62 | $0.56 | $0.47 | $0.68 | $0.73 | $0.63 | $0.63 |
| Net margin | 37.1% | 33.8% | 22.7% | — | 39.2% | 37.5% | 30.9% | 41.3% | 44.8% | 38.7% | 38.8% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $9.50, 13% above the current price; targets range from $9.00 to $10.00; the consensus rating is “Buy”; expected EPS is $0.77 for the fiscal year ending September 30, 2027.
Frequently asked questions
What is Capitol Federal Financial’s P/E ratio?
About 12.6, based on the last twelve months of diluted earnings per share (forward P/E about 10.5).
Is Capitol Federal Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 8% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Capitol Federal Financial pay a dividend?
Yes. The dividend yield is about 3.97%, and it has paid dividends for 10 years in our data.
Is Capitol Federal Financial a good stock to buy?
We do not give buy or sell advice. Capitol Federal Financial scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.