Is Capitol Federal Financial, Inc. (CFFN) Overvalued?
We dive into why Capitol Federal Financial, Inc. (CFFN) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
What You Need to Know About Capitol Federal Financial, Inc.'s Q4 Earnings
Capitol Federal Financial, Inc.'s fiscal Q4 earnings report was released on Wednesday, July 29. Let's dive in to see if (CFFN) missed or beat analyst's expectations.Rosalio Madrigal
What You Need to Know About Capitol Federal Financial, Inc.'s Q3 Earnings
Capitol Federal Financial, Inc.'s fiscal Q3 earnings report was released on Wednesday, April 29. Let's dive in to see if (CFFN) missed or beat analyst's expectations.Michael Rose
Why Capitol Federal Financial, Inc.’s (CFFN) Stock Is Up 5.01%
As of Monday, February 02, Capitol Federal Financial, Inc.’s CFFN share price has surged by 5.01%, which has investors questioning if this is right time to sell.Jenna Brashear
What You Need to Know About Capitol Federal Financial, Inc.'s Q2 Earnings
Capitol Federal Financial, Inc.'s fiscal Q2 earnings report was released on Wednesday, January 28. Let's dive in to see if (CFFN) missed or beat analyst's expectations.Omar Beirat
Financial Summary
| Share Statistics | CFFN | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,043.4 | $751.0 | 45% |
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| Shares Out (Mil) | 124.0 | 15.4 | 66% |
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| Institutional Ownership | 96.3% | 83.2% | 70% |
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| Float (Mil) | 106.2 | 21.8 | 62% |
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| Beta | 0.66 | 0.43 | 39% |
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| Avg Daily Volume (000s) | 761 | 42 | 65% |
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| Price Change (52-week) |
38.8% | 94.6% | 74% |
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| Growth | CFFN | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 1.4% | 7.7% | 21% |
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| Net Income (5yr) | 1.1% | 11.1% | 41% |
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| EPS (5yr) | 2.1% | 10.1% | 34 |
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| Dividends (5yr) | 0.0% | 3.6% | 65% |
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| Cash Flow (5yr) | 36.3% | (17.1%) | 89% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 2 | 2 | |
| Current EPS | $0.183 | $0.685 | $0.775 | |
| Month Ago EPS | $0.180 | $0.655 | $0.745 | |
| # Rev Up | 0 | 1 | 0 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.185 | $0.660 | $0.735 | |
| Year/Year Chg | (3.7%) | 31.7% | 69.2% | |
| Financials | CFFN | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $226 | $196 | 33% |
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| Net Income (TTM) (Mil) | $83 | $55 | 59% |
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| EPS (TTM) | $0.650 | $2.600 | 56% |
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| Operating Cash Flow (TTM) (Mil) | $78 | $36 | 50% |
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| Net Cash Flow (TTM) (Mil) | ($39) | $2 | 21% |
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| Long-Term Debt (Q1) (Mil) | $1,177 | $101 | 68% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CFFN | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.02 | 1.25 | 23% |
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| P/E | 13.1 | 12.5 | 30% |
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| Dividend Yield | 4.0% | 2.2% | 90% |
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| PEG (5yr hist) | 6.2 | 1.1 | 90% |
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| Ratios | CFFN | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 36.7% | 29.1% | 93% |
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| ROA | 0.9% | 1.1% | 45% |
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| ROE | 8.0% | 11.3% | 51% |
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| Liabilities to Assets | 89.4% | 89.7% | 84% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Lakonishok Screen
Factors: Value, Momentum
Identifying stocks trading at a discount to their industry norms but showing recent price strength and upward earnings revisions.
| Performance Since Inception: | 13.2% |
| +/- S&P 500: | +5.7 |
