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Capitol Federal Financial, Inc.
CFFN
NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.1B
$8.45
▼ -1.97%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$5.71 - $8.69
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 36.2% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- 130+ year operating history with established brand recognition and customer loyalty in Kansas-Missouri markets
- Regional market dominance with 54-branch network across 11 counties providing local relationship banking advantages
- Diversified loan portfolio spanning residential, commercial real estate, C&I, construction, and consumer segments reducing concentration risk
- Integrated digital banking platform (mobile, online, telephone) enhancing customer convenience and operational efficiency
- Strong deposit base from retail and commercial customers providing stable, low-cost funding for lending operations
Bear Case
2 risks
- Low volatility (beta 0.7).
- Growth premium of 1.1x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Steady revenue growth (10% YoY)
Value
Growth premium of 1.1x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+18.9% over 3m
Quality
Strong
High-growth business (106% revenue growth, 49% gross margin). Profitable with strong growth momentum.
Dividend
Solid
4.41% yield
Smart-money signal
Who's buying CFFN right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 21, 2026
APR 29, 2026
Reported EPS of $0.16 vs $0.17 consensus (-5.9% surprise). Revenue of $57.7M vs $57.0M expected (+1.3%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-5.9%
Next: Apr 21, 2026
Revenue trend · last 8Q
—
—
—
+54%
+6%
+13%
+20%
+141%
Q2 24
Q3 24
Q4 24
Q1 24
Q2 25
Q3 25
Q4 25
Q1 25
$45.1M
$44.3M
$45.0M
$46.3M
$47.9M
$104.3M
$109.2M
$111.5M
Margins · last 8Q
Gross
50.0%
Operating
22.6%
Profit
18.2%
Wall Street consensus
2 analysts · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · May 4, 2026