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Upturn AI SWOT - About
CFFN 
Capitol Federal Financial Inc (CFFN)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/29/2025: CFFN (1-star) is currently NOT-A-BUY. Pass it for now.
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 $6.75
1 Year Target Price $6.75
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.35% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 831.18M USD | Price to earnings Ratio 13.67 | 1Y Target Price 6.75 |
Price to earnings Ratio 13.67 | 1Y Target Price 6.75 | ||
Volume (30-day avg) 2 | Beta 0.61 | 52 Weeks Range 4.76 - 6.90 | Updated Date 10/28/2025 |
52 Weeks Range 4.76 - 6.90 | Updated Date 10/28/2025 | ||
Dividends yield (FY) 5.33% | Basic EPS (TTM) 0.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-29 | When Before Market | Estimate 0.14 | 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 13.67 | Forward PE - | Enterprise Value 2712791040 | Price to Sales(TTM) 4.32 |
Enterprise Value 2712791040 | Price to Sales(TTM) 4.32 | ||
Enterprise Value to Revenue 15.23 | Enterprise Value to EBITDA - | Shares Outstanding 130279630 | Shares Floating 119369589 |
Shares Outstanding 130279630 | Shares Floating 119369589 | ||
Percent Insiders 8.26 | Percent Institutions 78.72 |
Upturn AI SWOT
Capitol Federal Financial Inc
Company Overview
History and Background
Capitol Federal Financial, Inc. was founded in 1893 as Capitol Building and Loan Association. It operates as the holding company for Capitol Federal Savings Bank, a community-based savings bank primarily serving Kansas and Missouri. It has grown through organic expansion and selective acquisitions.
Core Business Areas
- Retail Banking: Offers a variety of deposit accounts, including checking, savings, and money market accounts. Provides personal loans, credit cards, and other consumer financial services.
- Mortgage Lending: Originates and purchases residential mortgage loans, primarily for single-family homes. Also offers commercial real estate lending.
- Wealth Management: Provides trust services, investment management, and financial planning.
Leadership and Structure
John B. Dicus serves as the Chairman, President, and CEO. The organizational structure is typical of a publicly traded financial institution, with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Primary product, focusing on single-family homes. Market share data is not readily available; competition includes national lenders like Wells Fargo (WFC), Bank of America (BAC), and local/regional banks.
- Deposit Accounts: Wide range of checking, savings, and money market accounts. Competition includes national banks, credit unions, and online banks. Market share varies by region.
- Commercial Real Estate Lending: Offers loans for commercial properties. Market share is competitive and varies by location. Competitors include larger commercial banks and private lenders.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Technological advancements and increasing customer expectations are key drivers.
Positioning
Capitol Federal Financial Inc. focuses on community banking, emphasizing customer service and local market knowledge. It competes with larger national banks and smaller regional institutions.
Total Addressable Market (TAM)
TAM for mortgage lending and retail banking in Kansas and Missouri is estimated to be in the billions of dollars annually. Capitol Federal's positioning focuses on capturing a significant share of this market through its community-focused approach. Specific market data is not publicly available.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer loyalty
- Conservative lending practices
- Well-capitalized
Weaknesses
- Limited geographic diversification
- Dependence on interest rate spread
- Smaller scale compared to national banks
- Slower adoption of new technologies compared to competitors
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking services
- Strategic acquisitions
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from online banks
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
- RF
- KEY
Competitive Landscape
Capitol Federal Financial Inc faces intense competition from larger national banks with more resources and broader product offerings. Its competitive advantage lies in its strong local relationships and customer service.
Growth Trajectory and Initiatives
Historical Growth: Requires up-to-date financial data from a source like Yahoo Finance, Seeking Alpha or the companies own Investor Relations page.
Future Projections: Requires up-to-date financial data from a source like Yahoo Finance, Seeking Alpha or the companies own Investor Relations page.
Recent Initiatives: Requires up-to-date financial data from a source like Yahoo Finance, Seeking Alpha or the companies own Investor Relations page.
Summary
Capitol Federal Financial Inc. is a community-focused bank with a strong presence in Kansas and Missouri. It benefits from customer loyalty and conservative lending practices. However, its limited geographic diversification and smaller scale compared to national banks pose challenges. To enhance its competitive position, Capitol Federal needs to explore digital banking and expand market reach.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Yahoo Finance
- FDIC
Disclaimers:
This analysis is based on available public information and general market knowledge. Financial data may be outdated. This is not financial advice; consult with a qualified professional before making investment decisions.
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.
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