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Upturn AI SWOT - About
CFFN 
Capitol Federal Financial Inc (CFFN)
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Upturn Advisory Summary
09/17/2025: 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 5.52% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 819.46M USD | Price to earnings Ratio 13.38 | 1Y Target Price 6.5 |
Price to earnings Ratio 13.38 | 1Y Target Price 6.5 | ||
Volume (30-day avg) 2 | Beta 0.61 | 52 Weeks Range 4.76 - 6.90 | Updated Date 09/16/2025 |
52 Weeks Range 4.76 - 6.90 | Updated Date 09/16/2025 | ||
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 13.38 | Forward PE - | Enterprise Value 2712791040 | Price to Sales(TTM) 4.26 |
Enterprise Value 2712791040 | Price to Sales(TTM) 4.26 | ||
Enterprise Value to Revenue 15.27 | Enterprise Value to EBITDA - | Shares Outstanding 130280000 | Shares Floating 119329290 |
Shares Outstanding 130280000 | Shares Floating 119329290 | ||
Percent Insiders 8.29 | Percent Institutions 78.6 |
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 has evolved from a local savings and loan to a publicly traded company while maintaining its focus on community banking in Kansas and Missouri.
Core Business Areas
- Retail Banking: Provides a range of deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit (CDs).
- Mortgage Lending: Originates residential mortgage loans, primarily for single-family homes, and manages a significant mortgage loan portfolio.
- Commercial Lending: Offers commercial real estate loans and other commercial loans to businesses.
Leadership and Structure
The company is led by a board of directors and a management team headed by the CEO. The organizational structure is typical of a financial institution, with departments responsible for lending, deposit services, finance, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Capitol Federal's primary product is residential mortgages. Market share data is difficult to ascertain exactly but they are a regional player in Kansas and Missouri. Competitors include national banks like Wells Fargo (WFC), Chase (JPM), and Bank of America (BAC), as well as regional banks and credit unions.
- Deposit Accounts: Offerings include checking, savings, and CDs. Revenue generated from these is via interest income. Competitors include all banks and credit unions, particularly those offering higher interest rates.
Market Dynamics
Industry Overview
The banking industry is currently navigating interest rate volatility, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Capitol Federal is a community-focused bank with a strong presence in Kansas and Missouri. Its competitive advantage lies in its local expertise and customer relationships.
Total Addressable Market (TAM)
The TAM includes all banking and mortgage activity in the US. Capitol Federal is a regional player, concentrating its efforts in its primary markets. TAM is estimated to be in the trillions. Due to CapFed's regional focus they are a relatively small piece of the overall TAM.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Kansas and Missouri
- Conservative lending practices
- Stable deposit base
- High customer loyalty
Weaknesses
- Geographic concentration
- Limited product diversification
- Reliance on traditional banking channels
- Smaller size compared to national competitors
Opportunities
- Expansion into adjacent markets
- Increased digital banking adoption
- Growth in commercial lending
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- JPM
- BAC
- KEY
- USB
Competitive Landscape
Capitol Federal is a smaller regional player compared to the national banks. It benefits from local knowledge and customer relationships but lacks the scale and resources of larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Capitol Federal's growth has been steady but not rapid, consistent with its conservative approach.
Future Projections: Analyst projections vary; consensus estimates can be found on financial websites.
Recent Initiatives: Recent initiatives may include technology upgrades or expansion of commercial lending activities.
Summary
Capitol Federal Financial, Inc. is a stable, community-focused bank with a strong presence in Kansas and Missouri. Its conservative lending practices and loyal customer base are strengths, while its geographic concentration and smaller size are limitations. The company should focus on leveraging technology and expanding its product offerings to maintain competitiveness. Overall, the company is in good shape and should consider ways to grow its reach.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Financial news sources
- Market research reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is estimated based on available information and industry averages.
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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