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

Company Overview

Capitol Federal Financial, Inc. is a bank holding company headquartered in Kansas City, Missouri. Through its principal subsidiary, Capitol Federal Savings Bank, the company provides a range of retail and commercial banking products and services. These offerings include checking and savings accounts, certificates of deposit, home equity lines of credit and other consumer loan products. In addition, Capitol Federal Financial operates an active mortgage origination business, making residential mortgage loans both for its own portfolio and for sale in the secondary market.

Established in 1893, Capitol Federal has grown into one of the nation’s largest mutual savings banks, emphasizing long-term customer relationships and conservative credit practices. The company maintains a network of branches primarily in Missouri and Kansas, with additional locations in Texas and Colorado. Its mortgage production offices and correspondent lending channels extend its reach into multiple Midwestern and Southern markets. Capitol Federal also offers online and mobile banking platforms to serve customers outside of its traditional branch footprint.

Capitol Federal Financial remains structured as a mutual organization, enabling it to focus on depositors’ interests without the pressures of external shareholders. The company’s leadership team is headed by President and Chief Executive Officer Michael J. Burns, who oversees strategic initiatives aimed at balancing loan growth with strong asset quality. Under this management framework, Capitol Federal seeks to deliver stable earnings and reliable service for its customers and members.

Key Stats

• Today's Range: $6.28 to $6.46
• 50-Day Range: $6.03 to $6.56
• 52-Week Range: $4.90 to $7.20
• Volume: 870,142 shs
• Average Volume: 657,566 shs
• Market Capitalization: $855.36 million
• P/E Ratio: 13.70
• Dividend Yield: 5.28%
• Price Target: $7.00
• Consensus Rating: Reduce

Capitol Federal Financial Stock Analysis - MarketRank™

Capitol Federal Financial scored higher than 65% of companies evaluated by MarketBeat, and ranked 543rd out of 944 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: 1.8 / 5
• Analyst Rating: Reduce

Consensus Rating

Capitol Federal Financial has received a consensus rating of Reduce. The company's average rating score is 1.50, and is based on no buy ratings, 1 hold rating, and 1 sell rating.

Upside/Downside

The consensus price target for Capitol Federal Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Capitol Federal Financial has only been the subject of 2 research reports 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 13.70, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.76.

Price to Earnings Ratio vs. Sector

The P/E ratio of Capitol Federal Financial is 13.70, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.21.

Price to Book Value per Share Ratio

Capitol Federal Financial has a P/B Ratio of 0.83. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.76% 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 5.2.

Change versus previous month

Short interest in Capitol Federal Financial has recently decreased by 0.88%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Capitol Federal Financial is a leading dividend payer. It pays a dividend yield of 5.43%, 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 72.34%. This payout ratio is at a healthy, sustainable level, below 75%.

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

2.76% 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 5.2.

Change versus previous month

Short interest in Capitol Federal Financial has recently decreased by 0.88%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.7 / 5
• News Sentiment: 0.15

News Sentiment

Capitol Federal Financial has a news sentiment score of 0.15. 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 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Capitol Federal Financial this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for CFFN on MarketBeat in the last 30 days. This is a decrease of -75% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Capitol Federal Financial insiders have not sold or bought any 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 start of the year. Since then, CFFN stock has increased by 9.0% and is now trading at $6.44.

How were Capitol Federal Financial's earnings last quarter?

Capitol Federal Financial (NASDAQ:CFFN) issued its earnings results on Wednesday, July, 23rd. The savings and loans company reported $0.14 EPS for the quarter, beating analysts' consensus estimates of $0.12 by $0.02. The savings and loans company had revenue of $50.75 million for the quarter, compared to the consensus estimate of $50.51 million. Capitol Federal Financial had a net margin of 14.87% and a trailing twelve-month return on equity of 5.92%.

Who are Capitol Federal Financial's major shareholders?

Capitol Federal Financial's top institutional shareholders include Voya Investment Management LLC (0.18%), CWM LLC (0.12%), Wedge Capital Management L L P NC (0.10%) and State of Alaska Department of Revenue (0.05%). Insiders that own company stock include Morris J Huey II, Rick C Jackson, Jeffrey M Johnson, James G Morris, Jeffrey R Thompson, Anthony S Barry, Natalie G Haag and Robert D Kobbeman.
View institutional ownership trends.

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: 7/23/2025
• Record date for 8/15 Dividend: 8/01/2025
• Ex-Dividend for 8/15 Dividend: 8/01/2025
• Dividend Payable: 8/15/2025
• Today: 10/25/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 9/30/2026

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 Price Target for Capitol Federal Financial: $7.00
• High Price Target: $7.00
• Low Price Target: $7.00
• Potential Upside/Downside: +8.7%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.47
• Trailing P/E Ratio: 13.70
• Forward P/E Ratio: 14.00
• P/E Growth: N/A
• Net Income: $38.01 million
• Net Margins: 14.87%
• Pretax Margin: 19.22%
• Return on Equity: 5.92%
• Return on Assets: 0.64%

Debt

• Debt-to-Equity Ratio: 1.98
• Current Ratio: 1.27
• Quick Ratio: 1.27

Sales & Book Value

• Annual Sales: $382.09 million
• Price / Sales: 2.24
• Cash Flow: $0.39 per share
• Price / Cash Flow: 16.54
• Book Value: $7.78 per share
• Price / Book: 0.83

Miscellaneous

• Outstanding Shares: 132,820,000
• Free Float: 128,573,000
• Market Cap: $855.36 million
• Optionable: Optionable
• Beta: 0.64