Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
CFFN 
Capitol Federal Financial Inc (CFFN)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: CFFN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $6.5
1 Year Target Price $6.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.52% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 840.31M USD | Price to earnings Ratio 13.72 | 1Y Target Price 6.5 |
Price to earnings Ratio 13.72 | 1Y Target Price 6.5 | ||
Volume (30-day avg) 2 | Beta 0.57 | 52 Weeks Range 4.76 - 6.90 | Updated Date 08/28/2025 |
52 Weeks Range 4.76 - 6.90 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 5.27% | Basic EPS (TTM) 0.47 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.83% | Operating Margin (TTM) 44.35% |
Management Effectiveness
Return on Assets (TTM) 0.64% | Return on Equity (TTM) 5.93% |
Valuation
Trailing PE 13.72 | Forward PE - | Enterprise Value 2733590528 | Price to Sales(TTM) 4.37 |
Enterprise Value 2733590528 | Price to Sales(TTM) 4.37 | ||
Enterprise Value to Revenue 15.38 | Enterprise Value to EBITDA - | Shares Outstanding 130280000 | Shares Floating 119329290 |
Shares Outstanding 130280000 | Shares Floating 119329290 | ||
Percent Insiders 8.29 | Percent Institutions 78.63 |
Upturn AI SWOT
Capitol Federal Financial Inc
Company Overview
History and Background
Capitol Federal Financial, Inc. was founded in 1893 as Capitol Federal Savings and Loan Association. It is a unitary savings and loan holding company that has primarily operated in Kansas. Over time, it has grown through organic expansion and retained its focus on community banking.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts, along with certificates of deposit. Provides traditional banking services to individuals and small businesses.
- Mortgage Lending: Primarily focuses on single-family residential mortgage loans. The company also originates commercial real estate and other types of loans.
- Wealth Management: Offers wealth management and trust services to customers.
Leadership and Structure
The company is led by a board of directors and executive management team. Information on specific members can be found on their investor relations site. It operates with a traditional hierarchical organizational structure common for financial institutions.
Top Products and Market Share
Key Offerings
- Single-Family Residential Mortgages: The company's primary product. Market share data is regional, focusing on Kansas. Competitors include national banks like Wells Fargo (WFC) and Bank of America (BAC), as well as other regional banks and credit unions. Precise market share is difficult to pinpoint without proprietary data; estimates suggest a significant presence in the Kansas market. Revenue generated varies yearly based on interest rates and origination volume.
- Deposit Accounts: Includes checking, savings, and certificates of deposit (CDs). Market share varies depending on the specific product and geographic region within Kansas. Competitors include national banks, credit unions, and online banks. Market share is difficult to obtain at a product level.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. Factors affecting it include interest rates, economic growth, and regulatory changes. There's a trend toward digitization and increasing competition from non-bank financial technology companies.
Positioning
Capitol Federal Financial Inc. is positioned as a community-focused bank with a strong presence in Kansas. Its competitive advantages include its long history, brand recognition, and customer relationships. It is at a disadvantage by not being as diverse or widespread.
Total Addressable Market (TAM)
The TAM for banking services in Kansas is estimated to be in the billions of dollars annually. Capitol Federal Financial Inc. captures a portion of this TAM through its lending and deposit operations. Their conservative approach could limit capturing the full TAM compared to larger banks.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Kansas
- Conservative lending practices
- Long-standing customer relationships
- Healthy capital ratios
Weaknesses
- Geographic concentration in Kansas
- Limited product diversification
- Dependence on interest rate spread
- Lower investment in technology compared to larger banks
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Growth in wealth management business
- Acquisition of smaller banks
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in Kansas
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
- KEY
Competitive Landscape
Capitol Federal has an advantage in local customer service and brand recognition within Kansas. Disadvantages are smaller scale, fewer technology investments, and limited diversification relative to national players.
Growth Trajectory and Initiatives
Historical Growth: Dependent on historical financial performance. Historical growth trend can be determined from the financial metrics of the past years
Future Projections: Analyst estimates would need to be sourced. Projections on growth, earnings, and key performance indicators would be included.
Recent Initiatives: Recent initiatives include the focus on mobile banking and online platforms.
Summary
Capitol Federal Financial Inc. is a stable community bank with a strong presence in Kansas. Its conservative approach provides stability, but geographic concentration and limited diversification pose challenges. Future growth depends on adapting to digital trends and potentially expanding into new markets. Increased competition and changing economic conditions also need to be monitored.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
- SEC Filings
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate. Financial data is illustrative.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Capitol Federal Financial Inc
Exchange NASDAQ | Headquaters Topeka, KS, United States | ||
IPO Launch date 1999-04-01 | Chairman, President & CEO Mr. John B. Dicus | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 583 | Website https://capfed.com |
Full time employees 583 | Website https://capfed.com | ||
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 accepts 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. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.