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Upturn AI Summary - About
Capitol Federal Financial Inc(CFFN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CFFN
11/06/2026: CFFN (3-star) is currently NOT-A-BUY. Pass it for now.
Capitol Federal Financial Inc is a long-standing regional banking institution primarily focused on residential mortgage lending and deposit services in Kansas and Missouri. The company is known for its conservative balance sheet and consistent history of returning capital to shareholders through dividends, making it a potential fit for income-oriented and risk-averse investors. However, it faces risks from geographic concentration, intense competition from larger institutions, and margin compression in high-interest-rate environments. Its primary growth opportunity lies in enhancing digital banking capabilities to attract a broader customer base. Investors should monitor the bank's ability to manage funding costs and maintain net interest margins amid evolving macroeconomic conditions.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | CFFN is a mature, stable institution rather than a high-growth business. |
| Momentum investor | Weak fit | The stock typically exhibits low volatility and lacks the rapid upward price trend momentum seekers desire. |
| Value investor | Mixed fit | The company may offer value to those looking for stability, but valuation is tied closely to interest rate cycles. |
| Dividend investor | Strong fit | The company historically prioritizes returning capital to shareholders through dividends. |
| Low-risk investor | Strong fit | Its conservative balance sheet and long-term history appeal to risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes, which can drive share price fluctuations. |
| Valuation risk | Medium | Pricing is highly dependent on interest rate outlooks and macroeconomic conditions. |
| Competition risk (banking competition) | Medium / high | Strong competition from larger, tech-advanced banks puts pressure on market share. |
| Business quality | Medium | The business has a stable history but faces challenges in diversifying revenue sources. |
| Dividend income | Medium | Dividends are reliable but can be affected by changes in earnings and regulatory requirements. |
| Execution risk | Low | The company has a long history and simple business model, reducing operational complexity. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 14.5% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.04B USD | Price to earnings Ratio 12.58 | 1Y Target Price 9.5 |
Price to earnings Ratio 12.58 | 1Y Target Price 9.5 | ||
Volume (30-day avg) 1.1M shares | Beta 0.66 | 52 Weeks Range 5.79 - 9.08 | Updated Date 11/08/2026 |
52 Weeks Range 5.79 - 9.08 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 4.05% | Basic EPS (TTM) 0.67 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on residential mortgage loans and securities minus interest paid on deposits. | The bank makes money primarily by earning more interest on loans than it pays to depositors. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-28 | When Before Market | Estimate 0.19 | Actual 0.18 |
Profitability
Profit Margin 37.16% | Operating Margin (TTM) 48.01% |
Management Effectiveness
Return on Assets (TTM) 0.89% | Return on Equity (TTM) 8.41% |
Valuation
Trailing PE 12.58 | Forward PE 20.45 | Enterprise Value 2.48B | Price to Sales(TTM) 4.47 |
Enterprise Value 2.48B | Price to Sales(TTM) 4.47 | ||
Enterprise Value to Revenue 11.42 | Enterprise Value to EBITDA - | Shares Outstanding 123.41M | Shares Floating 103.97M |
Shares Outstanding 123.41M | Shares Floating 103.97M | ||
Percent Insiders 8.33 | Percent Institutions 85.69 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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