CFFN
Capitol Federal Financial, Inc.
CFFN's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 45%. At 13x earnings, it's trading below its usual 16x. Analysts expect earnings growth.
CFFN Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CFFN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFFN.
CFFN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $8.46 | — |
| Cheap | 13x | $8.40 | -0.7% |
| Current | 13x | $8.46 | — |
| Fair | 15x | $10.01 | +18% |
| Expensive | 21x | $13.83 | +63% |
Historical ranges are pointers, not guarantees.
CFFN's PE is in its cheap range at 13x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
CFFN Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CFFN, with profitability improving.
CFFN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.78 | +19% |
| Q2 2026 | $0.65 | +38% |
| Q1 2026 | $0.60 | +50% |
| Q4 2025 | $0.56 | +44% |
| Q3 2025 | $0.52 | +79% |
| Q2 2023 | $0.43 | -31% |
| Q1 2023 | $0.53 | -10% |
| Q4 2022 | $0.58 | 0% |
| Q3 2022 | $0.62 | +11% |
CFFN earned $0.65 per share over the past year, up 38% from the year before.
CFFN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $60.2M | +19% |
| Q1 2026 | $57.7M | +18% |
| Q4 2025 | $56.8M | +21% |
| Q3 2025 | $54.6M | +20% |
| Q2 2025 | $50.7M | +13% |
| Q1 2025 | $48.8M | +6.2% |
| Q4 2024 | $46.9M | +53% |
| Q2 2024 | $45M | +11% |
CFFN's revenue has grown year over year for eight quarters in a row: $60M last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 49% | +6 points |
| Q1 2026 | 43% | +4 points |
| Q4 2025 | 44% | +3.7 points |
| Q3 2025 | 42% | +0.1 points |
| Q2 2025 | 43% | +8 points |
| Q1 2025 | 39% | +2 points |
| Q4 2024 | 41% | +34 points |
| Q3 2024 | 42% | N/A |
CFFN's operating margin was 49% last quarter, up 6 points from the same quarter a year ago.
CFFN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $15.7M | +46% |
| Q1 2026 | $20.1M | +37% |
| Q4 2025 | $15.8M | +255% |
| Q3 2025 | $19.9M | +$24.7M |
| Q2 2025 | $10.8M | -35% |
| Q1 2025 | $14.7M | -23% |
| Q4 2024 | $4.5M | +$11.1M |
| Q2 2024 | $16.4M | +128% |
CFFN's free cash flow was $72M over the past year, up 185% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CFFN.
CFFN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.1% | -2.6M shares |
| 1 year | -4.7% | -6.1M shares |
| 3 years | -6.9% | -9.1M shares |
| 5 years | -8.5% | -11.5M shares |
| Available history | -10% | -13.9M shares |
CFFN has 124M diluted shares, down 4.7% from a year ago, with $50M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q2 2026 | $14.2M |
| Q1 2026 | $15.8M |
| Q4 2025 | $16M |
| Q3 2025 | $3.9M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $1,000 |
CFFN spent $50M buying back its own shares over the past year, more than ten times what it spent the year before.
CFFN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -3.2x | Net Cash |
| Q4 2025 | -2.4x | Net Cash |
| Q3 2025 | 18.7x | High |
| Q2 2025 | -2.0x | Net Cash |
| Q1 2025 | -4.2x | Net Cash |
| Q4 2024 | -2.1x | Net Cash |
| Q3 2024 | 31.3x | High |
CFFN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CFFN.
CFFN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.3 | Neutral |
| Stochastic | 39.0 | Neutral |
CFFN's weekly RSI is 54 (neutral) and its Stochastic is 39 (neutral).
CFFN PE vs Financial Services Sector
| Metric | CFFN | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | Same PE |
| PE % | 19 | 63 | 44 pts below |
CFFN is trading at 13x earnings, in line with the Financial Services sector's median of 13x.
CFFN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.44 | 0.2% above |
| 20 week MA | $8.60 | 1.6% below |
| 50 week MA | $7.87 | 7.5% above |
| 100 week MA | $6.92 | 22% above |
| 200 week MA | $6.51 | 30% above |
CFFN's trend is mixed: it's above four of its five weekly moving averages, and 30% above its 200-week average.
CFFN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.7 | $12.4 | -9.8% |
| 2021 | $12.4 | $11.4 | -8.2% |
| 2022 | $11.4 | $8.60 | -24% |
| 2023 | $8.60 | $6.45 | -25% |
| 2024 | $6.45 | $5.95 | -7.8% |
| 2025 | $5.95 | $7.00 | +18% |
| 2026 YTD | $7.00 | $8.46 | +21% |
CFFN has finished lower in five of the last six years. It's up 21% so far in 2026.