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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
09/16/2026: CFFN (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Capitol Federal Financial Inc is a conservative, regional bank holding company centered in Kansas and Missouri that focuses on residential mortgage lending and traditional retail deposit services. Its core business strength lies in its long-standing reputation, high capital adequacy, and stable, low-risk business model. The primary growth opportunity involves modernizing digital platforms to compete more effectively with national players. Key risks include intense deposit competition, interest rate sensitivity, and geographic concentration. The stock is best suited for income-focused or risk-averse investors who prioritize dividend reliability and steady performance over high-growth potential, with performance to be monitored through net interest margin trends.
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 | The company's focus is on stability and income rather than aggressive asset or revenue growth. |
| Momentum investor | Mixed fit | The stock tends to be stable rather than volatile, providing limited opportunities for momentum-based trading gains. |
| Value investor | Strong fit | The company is often viewed as a steady value play due to its conservative balance sheet and consistent dividend policy. |
| Dividend investor | Strong fit | Capitol Federal has a long-standing reputation for providing reliable dividend income to its shareholders. |
| Low-risk investor | Strong fit | The company's conservative lending practices and stable business model align well with lower-risk investment objectives. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock generally exhibits lower beta and price swings compared to broader financial markets. |
| Valuation risk | Medium | Valuation is often tied to interest rate environments and tangible book value metrics. |
| Competition risk (Regional Banking) | Medium / high | Intense competition from national and local players puts pressure on loan pricing and deposit growth. |
| Business quality | Strong | The company maintains a high-quality, conservative balance sheet characteristic of traditional thrift banking. |
| Dividend income | Strong | Reliable income distribution is a cornerstone of the company's value proposition to investors. |
| Execution risk | Low | The straightforward, traditional business model carries minimal execution risk compared to complex financial entities. |
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 18.47% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/16/2026 |
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 1.09B USD | Price to earnings Ratio 13.65 | 1Y Target Price 9.5 |
Price to earnings Ratio 13.65 | 1Y Target Price 9.5 | ||
Volume (30-day avg) 778.3K shares | Beta 0.66 | 52 Weeks Range 5.67 - 9.17 | Updated Date 09/15/2026 |
52 Weeks Range 5.67 - 9.17 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 3.82% | Basic EPS (TTM) 0.65 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on residential mortgage loans minus interest paid on customer deposits. | The company earns the majority of its money by the spread between loan interest income and deposit costs. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 13.65 | Forward PE 20.45 | Enterprise Value 2.59B | Price to Sales(TTM) 4.85 |
Enterprise Value 2.59B | Price to Sales(TTM) 4.85 | ||
Enterprise Value to Revenue 12.08 | Enterprise Value to EBITDA - | Shares Outstanding 123.37M | Shares Floating 106.19M |
Shares Outstanding 123.37M | Shares Floating 106.19M | ||
Percent Insiders 8.15 | Percent Institutions 83.26 |
Upturn AI Summary
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.
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.
About Capitol Federal Financial Inc
Exchange NASDAQ | Headquarters 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 604 | Website https://capfed.com |
Full time employees 604 | 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 offers 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 and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.
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