Capitol Federal Financial (CFFN) Stock Price, News & Analysis

Company Overview

Capitol Federal Financial, Inc. is a publicly traded savings and loan holding company headquartered in Kansas City, Missouri. Through its primary subsidiary, Capitol Federal Savings Bank, the company offers a comprehensive range of consumer and commercial banking products. Its core business activities include originating and servicing residential mortgage loans, providing deposit and savings account solutions, and delivering tailored wealth management services to individual clients and small businesses across the Midwest.

The company’s mortgage operations encompass traditional fixed-rate home loans, adjustable-rate mortgages, home equity lines of credit, and construction financing. Deposit offerings include checking and savings accounts, money market accounts, and certificates of deposit. In addition, Capitol Federal Financial provides commercial real estate lending and small business banking services, supported by a network of branch offices and digital channels designed to streamline customer experience and accessibility.

Founded in 1893 as Capitol Building and Loan Association, the institution has evolved from a mutual savings association into a stock-chartered holding company. Over more than a century of operations, it has expanded its geographic footprint beyond Missouri and Kansas into surrounding states, including Colorado and Texas, while maintaining a strong community banking ethos. The company has navigated periods of regulatory change and economic cycles by emphasizing conservative lending practices and robust capital management.

Under the leadership of President and Chief Executive Officer Bradley J. Fick and a senior management team with extensive banking experience, Capitol Federal Financial continues to focus on mortgage growth, digital innovation, and customer service excellence. The board and executive officers prioritize risk management and community engagement, supporting local development initiatives and fostering long-term relationships with clients through personalized financial solutions.

Key Stats

• Today's Range: $6.31 to $6.38
• 50-Day Range: $5.60 to $6.43
• 52-Week Range: $4.90 to $7.20
• Volume: 104,920 shs
• Average Volume: 823,685 shs
• Market Capitalization: $849.13 million
• P/E Ratio: 15.94
• Dividend Yield: 5.32%
• Price Target: $6.50
• Consensus Rating: Hold

Capitol Federal Financial Stock Analysis - MarketRank™

Capitol Federal Financial scored higher than 58% of companies evaluated by MarketBeat, and ranked 523rd out of 901 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

Capitol Federal Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Capitol Federal Financial has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 8.70%

Earnings Growth

Earnings for Capitol Federal Financial are expected to grow by 8.70% in the coming year, from $0.46 to $0.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Capitol Federal Financial is 15.89, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.89.

Price to Earnings Ratio vs. Sector

The P/E ratio of Capitol Federal Financial is 15.89, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.99.

Price to Book Value per Share Ratio

Capitol Federal Financial has a P/B Ratio of 0.82. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.54% of the float of Capitol Federal Financial has been sold short.

Short Interest Ratio / Days to Cover

Capitol Federal Financial has a short interest ratio ("days to cover") of 4.4.

Change versus previous month

Short interest in Capitol Federal Financial has recently increased by 15.55%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Capitol Federal Financial is a leading dividend payer. It pays a dividend yield of 5.29%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Capitol Federal Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Capitol Federal Financial is 85.00%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, Capitol Federal Financial will have a dividend payout ratio of 68.00% next year. This indicates that Capitol Federal Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

3.54% of the float of Capitol Federal Financial has been sold short.

Short Interest Ratio / Days to Cover

Capitol Federal Financial has a short interest ratio ("days to cover") of 4.4.

Change versus previous month

Short interest in Capitol Federal Financial has recently increased by 15.55%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: N/A

News Sentiment

Capitol Federal Financial has a news sentiment score of 0.59. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.74 average news sentiment score of Finance companies.

Search Interest

6 people have searched for CFFN on MarketBeat in the last 30 days. This is an increase of 500% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Capitol Federal Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $196,550.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 3.20% of the stock of Capitol Federal Financial is held by insiders.

Percentage Held by Institutions

88.51% of the stock of Capitol Federal Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CFFN Stock Analysis - Frequently Asked Questions

How have CFFN shares performed this year?

Capitol Federal Financial's stock was trading at $5.91 at the beginning of the year. Since then, CFFN shares have increased by 7.4% and is now trading at $6.3450.

How were Capitol Federal Financial's earnings last quarter?

Capitol Federal Financial (NASDAQ:CFFN) posted its earnings results on Wednesday, April, 23rd. The savings and loans company reported $0.12 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.11 by $0.01. The savings and loans company had revenue of $48.79 million for the quarter, compared to the consensus estimate of $47.81 million. Capitol Federal Financial had a net margin of 12.91% and a trailing twelve-month return on equity of 5.10%.

How do I buy shares of Capitol Federal Financial?

Shares of CFFN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Capitol Federal Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Capitol Federal Financial investors own include JPMorgan Chase & Co. (JPM), Tesla (TSLA), Netflix (NFLX), NVIDIA (NVDA), Advanced Micro Devices (AMD), Home Depot (HD) and Meta Platforms (META).

Company Calendar

• Last Earnings: 4/23/2025
• Record date for 5/16 Dividend: 5/02/2025
• Ex-Dividend for 5/16 Dividend: 5/02/2025
• Dividend Payable: 5/16/2025
• Today: 7/08/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 9/30/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:CFFN
• CIK: 1490906
• Web: www.capfed.com
• Phone: (785) 235-1341
• Fax: 785-270-6046
• Employees: 730
• Year Founded: 1893

Price Target and Rating

• Average Stock Price Target: $6.50
• High Stock Price Target: $6.50
• Low Stock Price Target: $6.50
• Potential Upside/Downside: +2.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.40
• Trailing P/E Ratio: 15.83
• Forward P/E Ratio: 13.76
• P/E Growth: N/A
• Net Income: $38.01 million
• Net Margins: 12.91%
• Pretax Margin: 17.99%
• Return on Equity: 5.10%
• Return on Assets: 0.55%

Debt

• Debt-to-Equity Ratio: 2.07
• Current Ratio: 1.28
• Quick Ratio: 1.28

Sales & Book Value

• Annual Sales: $183.58 million
• Price / Sales: 4.58
• Cash Flow: $0.37 per share
• Price / Cash Flow: 16.99
• Book Value: $7.78 per share
• Price / Book: 0.81

Miscellaneous

• Outstanding Shares: 132,801,000
• Free Float: 128,551,000
• Market Cap: $840.63 million
• Optionable: Optionable
• Beta: 0.56