Capitol Federal Financial, Inc. logo

Capitol Federal Financial, Inc.

CFFN

NASDAQFinancial ServicesBanks - Regional

Previous close

$8.53

+$0.04 · +0.47%

Aug 21, 4:00 PM ET

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

Jul 10, 2026

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 website

Capitol 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends88%29%-30%-90%Gross margin, FY2021: 73.21%Gross margin, FY2022: 72.52%Gross margin, FY2023: -14.93%Gross margin, FY2024: 43.05%Gross margin, FY2025: 47.30%Operating margin, FY2021: 34.45%Operating margin, FY2022: 35.79%Operating margin, FY2023: -74.85%Operating margin, FY2024: 14.26%Operating margin, FY2025: 19.89%Net margin, FY2021: 27.29%Net margin, FY2022: 28.19%Net margin, FY2023: -54.76%Net margin, FY2024: 10.02%Net margin, FY2025: 16.30%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 73.21%. Gross margin FY2022 72.52%. Gross margin FY2023 -14.93%. Gross margin FY2024 43.05%. Gross margin FY2025 47.30%. Operating margin FY2021 34.45%. Operating margin FY2022 35.79%. Operating margin FY2023 -74.85%. Operating margin FY2024 14.26%. Operating margin FY2025 19.89%. Net margin FY2021 27.29%. Net margin FY2022 28.19%. Net margin FY2023 -54.76%. Net margin FY2024 10.02%. Net margin FY2025 16.30%.

Income trends

Revenue

417.4M USD+10.03%

Operating income

83.02M USD+53.45%

Net income

68.03M USD+78.97%
Income trends across reported periods473.04M USD250.49M USD27.95M USD−194.59M USDRevenue, FY2021: 278.75M USDRevenue, FY2022: 299.57M USDRevenue, FY2023: 185.64M USDRevenue, FY2024: 379.37M USDRevenue, FY2025: 417.4M USDOperating income, FY2021: 96.03M USDOperating income, FY2022: 107.2M USDOperating income, FY2023: −138.96M USDOperating income, FY2024: 54.1M USDOperating income, FY2025: 83.02M USDNet income, FY2021: 76.08M USDNet income, FY2022: 84.45M USDNet income, FY2023: −101.66M USDNet income, FY2024: 38.01M USDNet income, FY2025: 68.03M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 278.75M USD. Revenue FY2022 299.57M USD. Revenue FY2023 185.64M USD. Revenue FY2024 379.37M USD. Revenue FY2025 417.4M USD. Operating income FY2021 96.03M USD. Operating income FY2022 107.2M USD. Operating income FY2023 −138.96M USD. Operating income FY2024 54.1M USD. Operating income FY2025 83.02M USD. Net income FY2021 76.08M USD. Net income FY2022 84.45M USD. Net income FY2023 −101.66M USD. Net income FY2024 38.01M USD. Net income FY2025 68.03M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue417.4M USD379.37M USD185.64M USD299.57M USD278.75M USD
Cost of goods sold219.95M USD216.04M USD213.36M USD82.32M USD74.67M USD
Gross profit197.45M USD163.33M USD−27.72M USD217.26M USD204.08M USD
Selling, general, and administrative69.65M USD62.59M USD60.25M USD64.8M USD63.68M USD
Operating expenses114.43M USD109.22M USD111.24M USD110.05M USD108.06M USD
Interest income399.52M USD376.84M USD359.79M USD279.54M USD258.18M USD
Interest expense219.21M USD214.78M USD206.52M USD86.95M USD83.18M USD
Depreciation and amortization7.72M USD8.7M USD10.11M USD10.74M USD10.95M USD
Operating income83.02M USD54.1M USD−138.96M USD107.2M USD96.03M USD
Net income68.03M USD38.01M USD−101.66M USD84.45M USD76.08M 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

ActualEstimate
Quarterly EPS actual values compared with estimates0.230.180.140.09Q1 '25BeatQ2 '25BeatQ3 '25MetQ4 '25MetQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual 0.12, estimate 0.11, surprise +9.09%, Beat. Q2 2025, reported Apr 23, 2025: actual 0.12, estimate 0.11, surprise +9.09%, Beat. Q3 2025, reported Jul 23, 2025: actual 0.14, estimate 0.14, surprise 0.00%, Met estimate. Q4 2025, reported Oct 29, 2025: actual 0.14, estimate 0.14, surprise 0.00%, Met estimate. Q1 2026, reported Jan 28, 2026: actual 0.16, estimate 0.15, surprise +6.67%, Beat. Q2 2026, reported Apr 29, 2026: actual 0.16, estimate 0.17, surprise -5.88%, Miss. Q3 2026, reported Jul 29, 2026: actual 0.19, estimate 0.17, surprise +11.76%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 0.19, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates63.57M57.01M50.45M43.89MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual 46.33M USD, estimate 47.26M USD, surprise -1.96%, Miss. Q2 2025, reported Apr 23, 2025: actual 47.91M USD, estimate 49.01M USD, surprise -2.24%, Miss. Q3 2025, reported Jul 23, 2025: actual 50.75M USD, estimate 53.46M USD, surprise -5.07%, Miss. Q4 2025, reported Oct 29, 2025: actual 53.92M USD, estimate 55.36M USD, surprise -2.61%, Miss. Q1 2026, reported Jan 28, 2026: actual 56.8M USD, estimate 56.02M USD, surprise +1.39%, Beat. Q2 2026, reported Apr 29, 2026: actual 57.73M USD, estimate 56.97M USD, surprise +1.32%, Beat. Q3 2026, reported Jul 29, 2026: actual 60.15M USD, estimate 58.65M USD, surprise +2.57%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 61.12M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

5 ratings
Strong buy00%
Buy00%
Hold5100%
Sell00%
Strong sell00%

CFFN peers

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