
Capitol Federal Financial, Inc.
CFFNNASDAQFinancial ServicesBanks - Regional
Previous close
$8.53
+$0.04 · +0.47%
Pre-market
$8.4692
−$0.0608 · -0.71%
Aug 24, 5:49 AM ET
CFFN company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
76
Undervalued
Momentum
59
Neutral
Sentiment
61
Bullish
Risk resilience
78
Moderate Risk
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Company profile
Company websiteCapitol Federal Financial, Inc. acts as the parent company for Capitol Federal Savings Bank, offering a comprehensive suite of retail banking services. The bank provides diverse deposit products, including savings, money market, interest-bearing and standard checking accounts, as well as certificates of deposit. Its lending portfolio is equally broad, featuring mortgages for one-to-four-family residences, commercial real estate, commercial and industrial, and construction loans. Additionally, consumer credit options are available, such as home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. Beyond these, the institution delivers modern banking conveniences through mobile, telephone, and online platforms, alongside bill payment services, and operates a customer call center. It also engages in strategic securities investments. The bank's physical presence includes 54 branches—45 traditional and 9 in-store locations—spanning nine counties in Kansas and two in Missouri. Key service areas encompass the metropolitan regions of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina in Kansas, plus a segment of the broader Kansas City metropolitan area. Capitol Federal Financial, Inc., founded in 1893, is headquartered in Topeka, Kansas.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- John Dicus
- Listed since
- Apr 1, 1999
- Employees
- 641
Market position
Day range
Current $8.53
52-week range
Current $8.53
- Open
- $8.59
- Previous close
- $8.49
- Volume
- 907.35K
- 1.08× average
- Average volume
- 843.01K
- Average daily volume
- Market cap
- 1.05B USD
- Beta
- 0.67
- Market reference 1
- 50-day average
- $8.5732
- -0.50% below average
- 200-day average
- $7.5328
- +13.24% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 2.52B USD
- P/E (TTM)
- 13.12×
- P/B (TTM)
- 1.04×
- P/S (TTM)
- 2.42×
- EV / EBITDA
- 27.82×
- Earnings yield
- 8.24%
- Free cash flow yield
- 6.04%
- Dividend yield
- 4.45%
Profitability & efficiency
- Gross margin
- 49.92%
- Operating margin
- 22.04%
- Net margin
- 19.04%
- Return on equity
- 6.49%
- Return on assets
- 0.70%
- Return on invested capital
- 2.13%
Financial health
- Debt / equity
- 1.6×
- Current ratio
- 0.17×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 417.4M USD | 379.37M USD | 185.64M USD | 299.57M USD | 278.75M USD |
| Cost of goods sold | 219.95M USD | 216.04M USD | 213.36M USD | 82.32M USD | 74.67M USD |
| Gross profit | 197.45M USD | 163.33M USD | −27.72M USD | 217.26M USD | 204.08M USD |
| Selling, general, and administrative | 69.65M USD | 62.59M USD | 60.25M USD | 64.8M USD | 63.68M USD |
| Operating expenses | 114.43M USD | 109.22M USD | 111.24M USD | 110.05M USD | 108.06M USD |
| Interest income | 399.52M USD | 376.84M USD | 359.79M USD | 279.54M USD | 258.18M USD |
| Interest expense | 219.21M USD | 214.78M USD | 206.52M USD | 86.95M USD | 83.18M USD |
| Depreciation and amortization | 7.72M USD | 8.7M USD | 10.11M USD | 10.74M USD | 10.95M USD |
| Operating income | 83.02M USD | 54.1M USD | −138.96M USD | 107.2M USD | 96.03M USD |
| Net income | 68.03M USD | 38.01M USD | −101.66M USD | 84.45M USD | 76.08M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 55%
- 6 beats, 2 misses, 3 met estimates
- Average EPS surprise
- +6.68%
- 11 comparable reports
- Latest EPS result
- 0.19
- Estimate 0.17 · Beat by 11.76%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Rating distribution
5 ratingsCFFN peers
ETFs holding CFFN
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Small-Cap ETFIJR61.92M0.05%111.19B USD0.06%$147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI31.97M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM26.07M0.03%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB23.16M0.01%183.4B USD0.03%$304.76+0.64%
Avantis U.S. Small Cap Value ETFAVUV21.93M0.07%31.27B USD0.25%$126.45+0.66%
Vanguard Morningstar Small-Cap Value ETFVBR14.72M0.02%68.3B USD0.05%$249.18+0.68%
Vanguard Extended Market ETFVXF11.89M0.01%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Value ETFIWN9.96M0.07%14.66B USD0.24%$224.81+0.45%
iShares Core S&P Small-Cap ETFIJR- Market value
- 61.92M
- Weight
- 0.05%
- AUM
- 111.19B USD
- Expense ratio
- 0.06%
- Price / 1D
- $147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 31.97M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 26.07M
- Weight
- 0.03%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 23.16M
- Weight
- 0.01%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 21.93M
- Weight
- 0.07%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
Vanguard Morningstar Small-Cap Value ETFVBR- Market value
- 14.72M
- Weight
- 0.02%
- AUM
- 68.3B USD
- Expense ratio
- 0.05%
- Price / 1D
- $249.18+0.68%
Vanguard Extended Market ETFVXF- Market value
- 11.89M
- Weight
- 0.01%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Value ETFIWN- Market value
- 9.96M
- Weight
- 0.07%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
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