Capitol Federal Financial (CFFN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Capitol Federal Financial

NasdaqGS•Financial Services•Banks - Regional

$8.87+0.07(0.01%)Market closed

Market Cap

$1.10B

P/E

13.3x

P/S

2.5x

P/B

1.1x

Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company offers a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services and mortgage loan; operates a call center; and invests in various securities and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

How this company scores

WeakMetricSide Score: 75/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (22/25); weakest: Balance Sheet & Red Flags (11/25).

Profitability21/25

Growth21/25

Balance Sheet & Red Flags11/25

Cash & Earnings Quality22/25

Strengths

Rising free cash flowStrong marginsRising earningsProfit converts from growth

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.3x5y range 11.4x – 20.7x

Currently near its 16-quarter median.

P/S · 2.5x5y range 1.8x – 5.5x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.6x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $1.10B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $443.11M
Q. Revenue: $111.79M
TTM EBITDA: $109.90M
TTM Op. Income: $102.57M
Q. Op. Income: $29.24M
TTM Net Income: $82.83M
Q. Net Income: $23.57M
EPS: $0.19
Shares Out.: $124.01M

$443.11M in TTM revenue grew 7.5% YoY, reaching $111.79M last quarter. TTM EBITDA of $109.90M and TTM operating income of $102.57M show growth is flowing through to the bottom line. TTM net income of $82.83M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 53.8%
EBITDA Margin: 27.8%
Op. Margin: 26.2%
Net Margin: 21.1%

Op. margin of 26.2% is up 5.5% YoY — cost efficiency is improving. Net margin at 21.1% and gross margin of 53.8% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 6 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.3x
P/S Ratio: 2.5x
P/B Ratio: 1.1x

At 13.3x P/E, the stock trades below typical market levels. P/S of 2.5x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 3% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $9.66B
Cash: $136.10M
Long-Term Debt: $1.64B
Book Value: $1.02B
D/E Ratio: 1.6
Debt/EBITDA: 52.7

With $9.66B in assets and $1.64B in long-term debt, D/E is 1.6and book value is $1.02B — moderate leverage. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $17.43M
TTM Free Cash Flow: $71.53M
FCF Margin: 16.1%
FCF / Net Income: 0.9

TTM FCF of $71.53M on $17.43M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.