Stocks · Financial Services · Banks - Regional
Capitol Federal Financial, Inc. CFFN
$8.58 +1.30% Close, Oct 2, 2026 · NASDAQ · Market cap $1.06B
Strong trend
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 13.7× EBITDA, a high level of leverage.
- Diluted EPS over the last four quarters was $0.65, up 37.5% year over year.
- The stock is in an uptrend: above its 200-day average for 288 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 49%
- EPS growth (TTM, YoY)Top 28%
- FCF growth (TTM, YoY)Top 10%
- Revenue growth, 3-year CAGRBottom 36%
- Revenue growth accelerationBottom 41%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 41%
- Gross marginBottom 22%
- Operating marginTop 50%
- Cash conversion (OCF / net income)Bottom 35%
- Accruals (lower is better)Bottom 32%
- Net debt / EBITDA (lower is better)Bottom 8%
- Interest coverBottom 24%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 41%
- Free-cash-flow yieldBottom 43%
- EBITDA / enterprise valueBottom 37%
- Sales / enterprise valueBottom 20%
- P/E vs own 5-year history (lower is better)Top 20%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 14%
- 6-month returnTop 22%
- 1-year return vs S&P 500Top 14%
- Distance from 52-week highTop 37%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 41%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetBottom 44%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 31%
- Maximum drawdown, 3 yearsBottom 47%
- Beta vs S&P 500 (lower is better)Bottom 45%
- Net debt / EBITDA (lower is better)Bottom 8%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.5% | 6.3% | ↓ |
| EPS growth (YoY) | 47.4% | 37.5% | ↓ |
| Gross margin | 46.4% | 49.9% | ↑ |
| Operating margin | 19.3% | 22.0% | ↑ |
| FCF margin | 6.1% | 16.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 6.3% | 7.5% | ↓ | Bottom 49% |
| EPS growth (TTM, YoY) | 37.5% | 47.4% | ↓ | Top 28% |
| Gross margin | 49.9% | 46.4% | ↑ | Bottom 22% |
| Operating margin | 22.0% | 19.3% | ↑ | Top 50% |
| Net margin | 19.0% | 15.0% | ↑ | — |
| Free-cash-flow margin | 16.4% | 6.1% | ↑ | — |
| Return on invested capital | 0.9% | — | Bottom 41% | |
| Revenue growth, 3-year CAGR | 11.7% | — | Bottom 36% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.94×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.2%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 13.65×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.59%
- Net buyback yield (TTM)
- 4.71%
- Shareholder yield
- 9.29%
- Share count change, 1 year
- -4.6%
- Share count change, 3-year CAGR
- -2.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +3.1%
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $9.75
- Target vs current price
- +13.6%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +11.8% | -0.3% | +4.7% | -2.7% | — |
| Apr 29, 2026 | -5.9% | -4.2% | -1.3% | -1.4% | +9.8% |
| Jan 28, 2026 | +6.7% | +2.3% | +8.6% | +7.9% | +11.7% |
| Oct 29, 2025 | +0.0% | -4.3% | -1.4% | +5.7% | +8.1% |
| Jul 23, 2025 | +0.0% | +1.0% | +0.7% | -0.7% | +3.6% |
| Apr 23, 2025 | +9.1% | +0.6% | +6.3% | +9.1% | +15.2% |
| Jan 29, 2025 | +9.1% | +2.6% | +6.5% | +3.2% | -0.4% |
| Oct 23, 2024 | +12.5% | +7.0% | +7.2% | +9.8% | -6.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $0.19 | $0.17 | +11.8% | $60.2M |
| Apr 29, 2026 | $0.16 | $0.17 | -5.9% | $57.7M |
| Jan 28, 2026 | $0.16 | $0.15 | +6.7% | $56.8M |
| Oct 29, 2025 | $0.14 | $0.14 | +0.0% | $53.9M |
| Jul 23, 2025 | $0.14 | $0.14 | +0.0% | $50.7M |
| Apr 23, 2025 | $0.12 | $0.11 | +9.1% | $47.9M |
| Jan 29, 2025 | $0.12 | $0.11 | +9.1% | $46.3M |
| Oct 23, 2024 | $0.09 | $0.08 | +12.5% | $45.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.2× | 14.7× | 24th | Top 41% |
| P/E (forward) | 12.5× | — | — | — |
| EV / EBITDA | 23.3× | — | — | Bottom 37% |
| EV / Sales | 5.88× | — | — | Bottom 20% |
| Free-cash-flow yield | 6.76% | — | — | Bottom 43% |
| Earnings yield | 7.58% | — | — | Top 41% |
P/E over the past five years
Range 10.3× – 23.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +37.1%
- Earnings per share growth (TTM)
- +37.5%
- Change in P/E multiple
- +9.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 288
- 50-day average slope (20 days)
- +0.9%
- 200-day average slope (20 days)
- +2.7%
- Distance from 50-day average
- -1.7%
- Distance from 200-day average
- +9.3%
- RSI (14)
- 46.7
- Relative volume
- 0.95×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.3%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.75
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -6.6%
- Maximum drawdown, 3 years
- -29.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | Oct 24, 2023 | -70.4% | 659 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.06B
- P/E (TTM)
- 13.2
- EPS, diluted (TTM)
- $0.65
- Revenue (TTM)
- $435.1M
- Dividend yield
- 4.43%
- 52-week range
- $5.97 – $9.26
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $278.8M | $299.6M | $185.6M | $379.4M | $417.4M |
| Gross profit | $204.1M | $217.3M | -$27.7M | $163.3M | $197.4M |
| Operating income | $96.0M | $107.2M | -$139.0M | $54.1M | $83.0M |
| Net income | $76.1M | $84.5M | -$101.7M | $38.0M | $68.0M |
| EPS (diluted) | $0.56 | $0.62 | -$0.76 | $0.29 | $0.52 |
| Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $101.1M | $101.7M | $102.2M | $104.3M | $109.2M | $110.8M | $110.0M | $105.1M |
| Net income | $12.1M | $15.4M | $15.4M | $18.4M | $18.8M | $20.3M | $20.1M | $23.6M |
| EPS (diluted) | $0.09 | $0.12 | $0.12 | $0.14 | $0.14 | $0.16 | $0.16 | $0.19 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $74.5M | $97.3M | $47.5M | $31.2M | $55.0M |
| Capital expenditure | -$9.4M | -$5.6M | -$6.3M | -$7.2M | -$5.2M |
| Free cash flow | $65.1M | $91.7M | $41.3M | $24.0M | $49.8M |
| Dividends paid | -$117.9M | -$103.1M | -$83.2M | -$44.5M | -$44.3M |
| Net share buybacks | -$4.6M | $0 | -$23.5M | -$19.4M | -$3.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $136.1M
- Total assets
- $9.66B
- Total liabilities
- $8.64B
- Total debt
- $1.64B
- Net debt
- $1.50B
- Shareholders’ equity
- $1.02B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.09 | Aug 21, 2026 |
| May 1, 2026 | $0.09 | May 15, 2026 |
| Feb 6, 2026 | $0.09 | Feb 20, 2026 |
| Jan 9, 2026 | $0.04 | Jan 23, 2026 |
| Nov 7, 2025 | $0.09 | Nov 21, 2025 |
| Aug 1, 2025 | $0.09 | Aug 15, 2025 |
| May 2, 2025 | $0.09 | May 16, 2025 |
| Feb 7, 2025 | $0.09 | Feb 21, 2025 |
Short interest
- Shares sold short
- 7,137,993
- Days to cover
- 9.06
- Change vs previous report
- +9.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 22, 2010
- 22,637-for-10,000