Symbols / CFFN Stock $7.83 +0.64% Capitol Federal Financial, Inc.

Financial Services • Banks - Regional • United States • NMS
CFFN (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. John B. Dicus
Exch · Country NMS · United States
Market Cap 973.92M
Enterprise Value 2.35B
Income 77.56M
Sales 216.30M
FCF (ttm) —
Book/sh 8.21
Cash/sh 2.67
Employees 604
Insider 10d —
IPO Apr 01, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 56.40%
P/E 13.05
Forward P/E 10.65
PEG 4.09
P/S 4.50
P/B 0.95
P/C —
EV/EBITDA —
EV/Sales 10.85
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.60
EPS next Y 0.73
EPS Growth 34.50%
Revenue Growth 13.40%
EPS Gr Q/Q 30.80%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-29
ROA 0.79%
ROE 7.53%
ROIC —
Gross Margin 0.00%
Oper. Margin 47.31%
Profit Margin 35.90%
Shs Outstand 124.38M
Shs Float 107.22M
Insider Own 8.08%
Instit Own 82.43%
Short Float 5.67%
Short Ratio 5.54
Short Interest 5.15M
52W High 7.97
vs 52W High -1.76%
52W Low 5.51
vs 52W Low 42.11%
Beta 0.68
Impl. Vol. 25.00%
Rel Volume 0.86
Avg Volume 937.38K
Volume 805.27K
Target (mean) $8.25
Tgt Median $8.25
Tgt Low $8.00
Tgt High $8.50
# Analysts 2
Recom Hold
Prev Close $7.78
Price $7.83
Change 0.64%
About

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 services, as well as bill payment services and mortgage loan; operates a call center; and invests in various securities and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$8.25
Mean price target
2. Current target
$7.83
Latest analyst target
3. DCF / Fair value
$9.00
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$7.83
Low
$8.00
High
$8.50
Mean
$8.25

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-04 main Piper Sandler Neutral → Neutral $9
2026-01-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $8
2025-01-30 main Piper Sandler Neutral → Neutral $7
2024-10-24 main Piper Sandler Neutral → Neutral $7
2024-07-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $7
2024-07-25 main Piper Sandler Neutral → Neutral $7
2024-04-25 reit Keefe, Bruyette & Woods Market Perform → Market Perform $6
2024-04-25 main Piper Sandler Neutral → Neutral $6
2023-10-26 main Piper Sandler Neutral → Neutral $5
2023-04-28 main Keefe, Bruyette & Woods — → Market Perform $8
2020-10-29 main Piper Sandler — → Neutral $12
2020-09-29 main Piper Sandler — → Neutral $10
2016-08-26 init Stephens & Co. — → Equal-Weight —
2015-01-30 main Keefe, Bruyette & Woods — → Market Perform $13
2014-01-31 main DA Davidson — → Neutral $13
2013-07-30 down Piper Sandler Buy → Hold $14
2013-07-29 main DA Davidson — → Neutral $14
2013-04-11 init DA Davidson — → Neutral $13
2013-04-10 init DA Davidson — → Neutral $13
2012-10-05 down Keefe, Bruyette & Woods Outperform → Market Perform $13
News
RSS: Latest CFFN news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-12-31 JACKSON RICHARD C Officer — 9,147 $8.65 $79,122
2025-12-31 HAAG NATALIE G Officer — 8,727 $8.65 $75,489
2025-12-31 BARRY ANTHONY S Officer — 8,080 $8.65 $69,892
2025-12-31 DICUS JOHN B Chief Executive Officer — 17,341 — —
2025-12-31 TOWNSEND KENT G Officer — 12,439 $8.65 $107,597
2025-12-31 VAN HOUWELING TARA Officer — 2,825 $8.65 $24,436
2025-10-31 JACKSON RICHARD C Officer — 10,000 $6.05 $60,499
2025-05-07 JACKSON RICHARD C Officer — 15,000 $5.69 $85,350
2025-04-25 JOHNSON JEFFREY M Director — 20,000 $5.54 $111,138
2025-03-28 JOHNSON JEFFREY M Director — 10,000 $5.63 $56,300
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Revenue
198.19
+20.42%
164.59
+888.36%
-20.88
-109.82%
212.63
Operating Revenue
198.19
+20.42%
164.59
+888.36%
-20.88
-109.82%
212.63
Selling General And Administration
69.65
+11.29%
62.59
+3.88%
60.25
-7.02%
64.80
Selling And Marketing Expense
4.95
+16.09%
4.26
-0.95%
4.30
-16.86%
5.18
General And Administrative Expense
64.70
+10.94%
58.32
+4.25%
55.95
-6.16%
59.62
Salaries And Wages
60.38
+15.52%
52.27
+1.52%
51.49
-9.03%
56.60
Other Gand A
—
—
—
18.31
Reconciled Depreciation
7.72
-11.31%
8.70
-13.90%
10.11
-5.86%
10.74
Total Unusual Items
—
—
—
—
Total Unusual Items Excluding Goodwill
—
—
—
—
Special Income Charges
—
—
—
—
Other Special Charges
—
—
—
—
Net Income
68.03
+78.97%
38.01
+137.39%
-101.66
-220.37%
84.45
Pretax Income
83.02
+53.45%
54.10
+138.94%
-138.96
-229.62%
107.20
Net Interest Income
180.31
+11.26%
162.06
+5.73%
153.27
-20.42%
192.59
Interest Expense
219.21
+2.06%
214.78
+4.00%
206.52
+137.52%
86.95
Interest Income
399.52
+6.02%
376.84
+4.74%
359.79
+28.71%
279.54
Gain On Sale Of Security
0.00
+100.00%
-13.35
+93.07%
-192.62
0.00
Tax Provision
15.00
-6.82%
16.09
+143.15%
-37.30
-263.94%
22.75
Tax Rate For Calcs
0.00
-39.27%
0.00
+10.99%
0.00
+26.29%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
68.03
+78.97%
38.01
+137.39%
-101.66
-220.37%
84.45
Net Income From Continuing Operation Net Minority Interest
68.03
+78.97%
38.01
+137.39%
-101.66
-220.37%
84.45
Net Income From Continuing And Discontinued Operation
68.03
+78.97%
38.01
+137.39%
-101.66
-220.37%
84.45
Net Income Continuous Operations
68.03
+78.97%
38.01
+137.39%
-101.66
-220.37%
84.45
Normalized Income
68.03
+78.97%
38.01
+137.39%
-101.66
-220.37%
84.45
Net Income Common Stockholders
67.94
+78.91%
37.98
+137.38%
-101.61
-220.38%
84.41
Otherunder Preferred Stock Dividend
0.08
+148.48%
0.03
+164.71%
-0.05
-213.33%
0.04
Diluted EPS
0.52
+79.47%
0.29
+134.81%
-0.84
-235.39%
0.62
Basic EPS
0.52
+79.47%
0.29
+134.81%
-0.84
-235.39%
0.62
Basic Average Shares
129.73
-0.28%
130.09
-2.28%
133.13
-2.27%
136.21
Diluted Average Shares
129.73
-0.28%
130.09
-2.28%
133.13
-2.27%
136.21
Diluted NI Availto Com Stockholders
67.94
+78.91%
37.98
+137.38%
-101.61
-220.38%
84.41
Insurance And Claims
4.32
-28.64%
6.05
+35.82%
4.46
+47.55%
3.02
Occupancy And Equipment
13.40
-1.19%
13.56
-4.76%
14.24
-0.93%
14.37
Other Non Interest Expense
31.38
-5.14%
33.08
-10.00%
36.75
+18.99%
30.89
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Assets
9,778.70
+2.64%
9,527.61
-6.39%
10,177.46
+5.74%
9,624.90
Cash And Cash Equivalents
252.44
+16.17%
217.31
-11.52%
245.60
+399.26%
49.19
Cash Financial
22.88
-9.11%
25.17
-20.79%
31.77
—
Other Short Term Investments
867.22
+1.28%
856.27
-38.15%
1,384.48
-11.44%
1,563.31
Receivables
0.22
-38.72%
0.36
-95.79%
8.53
+573.85%
1.27
Other Receivables
0.22
-38.72%
0.36
-95.79%
8.53
+573.85%
1.27
Net PPE
89.31
-2.35%
91.46
-0.07%
91.53
-3.47%
94.82
Gross PPE
202.69
+1.71%
199.28
+3.67%
192.24
+2.14%
188.21
Accumulated Depreciation
-113.38
-5.16%
-107.82
-7.06%
-100.71
-7.83%
-93.39
Land And Improvements
15.93
-0.90%
16.07
+0.16%
16.05
-1.09%
16.22
Buildings And Improvements
131.48
+2.14%
128.73
+3.96%
123.83
+1.34%
122.20
Machinery Furniture Equipment
55.29
+1.47%
54.48
+4.05%
52.36
+5.16%
49.80
Investments And Advances
867.22
+1.28%
856.27
-38.15%
1,384.48
-11.44%
1,563.31
Total Liabilities Net Minority Interest
8,731.02
+2.77%
8,495.34
-6.99%
9,133.41
+7.09%
8,528.40
Payables And Accrued Expenses
—
—
—
0.00
Payables
—
—
—
0.00
Accounts Payable
—
—
—
—
Total Tax Payable
—
—
—
0.00
Income Tax Payable
—
—
—
0.00
Long Term Debt And Capital Lease Obligation
1,950.77
-10.50%
2,179.56
-8.39%
2,379.12
+11.58%
2,132.15
Long Term Debt
1,949.71
-10.50%
2,178.48
-8.43%
2,379.12
+11.58%
2,132.15
Long Term Capital Lease Obligation
1.06
-1.67%
1.08
—
—
Non Current Deferred Liabilities
2.06
—
—
—
Non Current Deferred Taxes Liabilities
2.06
—
—
—
Stockholders Equity
1,047.68
+1.49%
1,032.27
-1.13%
1,044.05
-4.78%
1,096.50
Common Stock Equity
1,047.68
+1.49%
1,032.27
-1.13%
1,044.05
-4.78%
1,096.50
Capital Stock
1.32
-0.38%
1.33
-2.35%
1.36
-2.09%
1.39
Common Stock
1.32
-0.38%
1.33
-2.35%
1.36
-2.09%
1.39
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
132.20
-0.40%
132.74
-2.35%
135.94
-2.10%
138.86
Ordinary Shares Number
129.73
-0.28%
130.09
-2.28%
133.13
-2.03%
135.89
Treasury Shares Number
2.48
-6.25%
2.64
-5.88%
2.81
-5.56%
2.97
Additional Paid In Capital
1,142.71
-0.36%
1,146.85
-1.70%
1,166.64
-1.98%
1,190.21
Retained Earnings
-87.33
+21.40%
-111.10
-6.25%
-104.56
-230.27%
80.27
Gains Losses Not Affecting Retained Earnings
15.76
-27.15%
21.63
+148.59%
8.70
+105.97%
-145.63
Other Equity Adjustments
15.76
-27.15%
21.63
+148.59%
8.70
+105.97%
-145.63
Total Equity Gross Minority Interest
1,047.68
+1.49%
1,032.27
-1.13%
1,044.05
-4.78%
1,096.50
Total Capitalization
2,997.38
-6.65%
3,210.75
-6.21%
3,423.18
+6.02%
3,228.65
Invested Capital
2,997.38
-6.65%
3,210.75
-6.21%
3,423.18
+6.02%
3,228.65
Total Debt
1,950.77
-10.50%
2,179.56
-8.39%
2,379.12
+11.58%
2,132.15
Net Debt
1,697.26
-13.46%
1,961.18
-8.08%
2,133.52
+2.43%
2,082.96
Capital Lease Obligations
1.06
-1.67%
1.08
—
—
Net Tangible Assets
1,047.68
+1.49%
1,032.27
-1.13%
1,044.05
-4.78%
1,096.50
Tangible Book Value
1,047.68
+1.49%
1,032.27
-1.13%
1,044.05
-4.78%
1,096.50
Cash Cash Equivalents And Federal Funds Sold
252.44
+16.17%
217.31
-11.52%
245.60
+399.26%
49.19
Other Equity Interest
-24.78
+6.25%
-26.43
+5.88%
-28.08
+5.56%
-29.73
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Operating Cash Flow
55.04
+76.50%
31.18
-34.39%
47.53
-51.15%
97.30
Cash Flow From Continuing Operating Activities
55.04
+76.50%
31.18
-34.39%
47.53
-51.15%
97.30
Net Income From Continuing Operations
68.03
+78.97%
38.01
+137.39%
-101.66
-220.37%
84.45
Depreciation Amortization Depletion
7.72
-11.31%
8.70
-13.90%
10.11
-5.86%
10.74
Depreciation
7.20
-9.24%
7.93
-12.28%
9.04
-3.48%
9.37
Amortization Cash Flow
0.52
-32.43%
0.77
-27.60%
1.07
-22.08%
1.37
Depreciation And Amortization
7.72
-11.31%
8.70
-13.90%
10.11
-5.86%
10.74
Amortization Of Intangibles
0.52
-32.43%
0.77
-27.60%
1.07
-22.08%
1.37
Other Non Cash Items
1.86
+14215.38%
0.01
+160.00%
0.01
-80.00%
0.03
Stock Based Compensation
1.40
+8.64%
1.28
-14.67%
1.51
-32.71%
2.24
Deferred Tax
2.08
-41.34%
3.55
+107.79%
-45.52
-2323.74%
2.05
Deferred Income Tax
2.08
-41.34%
3.55
+107.79%
-45.52
-2323.74%
2.05
Operating Gains Losses
-9.00
-369.69%
3.34
-98.13%
178.80
+1882.48%
-10.03
Gain Loss On Investment Securities
0.00
-100.00%
13.35
-93.07%
192.62
0.00
Change In Working Capital
-15.94
+12.99%
-18.32
-154.13%
-7.21
-226.64%
5.69
Change In Receivables
0.11
-98.60%
8.14
+211.45%
-7.30
-232.41%
-2.20
Change In Payables And Accrued Expense
—
—
—
—
Change In Payable
—
—
—
—
Change In Account Payable
—
—
—
—
Change In Other Working Capital
—
—
-7.30
-232.41%
-2.20
Change In Other Current Assets
5.10
+240.79%
-3.62
-181.09%
4.47
-76.12%
18.71
Change In Other Current Liabilities
-21.15
+7.36%
-22.83
-422.21%
-4.37
+59.60%
-10.82
Investing Cash Flow
-206.59
-132.84%
629.11
+291.16%
-329.10
-96.39%
-167.58
Cash Flow From Continuing Investing Activities
-206.59
-132.84%
629.11
+291.16%
-329.10
-96.39%
-167.58
Net PPE Purchase And Sale
-5.16
+28.19%
-7.18
-14.38%
-6.28
-13.03%
-5.56
Purchase Of PPE
-5.20
+27.59%
-7.18
-14.38%
-6.28
-13.03%
-5.56
Sale Of PPE
0.04
0.00
0.00
—
Capital Expenditure
-5.20
+27.59%
-7.18
-14.38%
-6.28
-13.03%
-5.56
Net Investment Purchase And Sale
-14.22
-102.58%
550.98
+194.86%
186.86
-20.48%
235.00
Purchase Of Investment
-248.21
+78.91%
-1,176.64
0.00
+100.00%
-88.03
Sale Of Investment
233.99
-86.46%
1,727.62
+824.55%
186.86
-42.15%
323.02
Net Other Investing Changes
20.42
-5.87%
21.69
+335.19%
4.98
+132.24%
-15.46
Financing Cash Flow
186.68
+127.11%
-688.59
-244.06%
477.98
+871.96%
49.18
Cash Flow From Continuing Financing Activities
186.68
+127.11%
-688.59
-244.06%
477.98
+871.96%
49.18
Net Issuance Payments Of Debt
-229.71
+67.29%
-702.19
-194.21%
745.33
+36.13%
547.50
Issuance Of Debt
650.10
+85.69%
350.10
-91.85%
4,293.87
+195.23%
1,454.40
Repayment Of Debt
-879.81
+16.39%
-1,052.29
+70.35%
-3,548.54
-291.28%
-906.90
Long Term Debt Issuance
650.10
+85.69%
350.10
-91.85%
4,293.87
+195.23%
1,454.40
Long Term Debt Payments
-879.81
+16.39%
-1,052.29
+70.35%
-3,548.54
-291.28%
-906.90
Net Long Term Debt Issuance
-229.71
+67.29%
-702.19
-194.21%
745.33
+36.13%
547.50
Net Common Stock Issuance
-3.89
+80.01%
-19.45
+17.08%
-23.45
0.00
Common Stock Payments
-3.89
+80.01%
-19.45
+17.08%
-23.45
0.00
Common Stock Dividend Paid
-44.25
+0.61%
-44.52
+46.47%
-83.17
+19.35%
-103.13
Cash Dividends Paid
-44.25
+0.61%
-44.52
+46.47%
-83.17
+19.35%
-103.13
Repurchase Of Capital Stock
-3.89
+80.01%
-19.45
+17.08%
-23.45
0.00
Proceeds From Stock Option Exercised
—
—
0.00
0.00
Net Other Financing Charges
3.07
+357.38%
-1.19
+93.02%
-17.07
-332.68%
7.34
Changes In Cash
35.14
+224.16%
-28.30
-114.41%
196.41
+1030.95%
-21.10
Beginning Cash Position
217.31
-11.52%
245.60
+399.26%
49.19
-30.01%
70.29
End Cash Position
252.44
+16.17%
217.31
-11.52%
245.60
+399.26%
49.19
Free Cash Flow
49.84
+107.66%
24.00
-41.82%
41.25
-55.04%
91.74
Interest Paid Supplemental Data
217.65
-3.14%
224.70
+18.95%
188.91
+125.34%
83.83
Income Tax Paid Supplemental Data
1.02
-83.08%
6.02
+10.93%
5.42
-60.00%
13.56
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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