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Upturn AI SWOT - About
CFFN 
Capitol Federal Financial Inc (CFFN)
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Upturn Advisory Summary
07/11/2025: 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 9.06% | Avg. Invested days 37 | 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 07/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 826.04M USD | Price to earnings Ratio 15.2 | 1Y Target Price 6.5 |
Price to earnings Ratio 15.2 | 1Y Target Price 6.5 | ||
Volume (30-day avg) 2 | Beta 0.51 | 52 Weeks Range 4.83 - 7.00 | Updated Date 07/11/2025 |
52 Weeks Range 4.83 - 7.00 | Updated Date 07/11/2025 | ||
Dividends yield (FY) 5.57% | Basic EPS (TTM) 0.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.42% | Operating Margin (TTM) 41.7% |
Management Effectiveness
Return on Assets (TTM) 0.54% | Return on Equity (TTM) 5.1% |
Valuation
Trailing PE 15.2 | Forward PE - | Enterprise Value 2593054976 | Price to Sales(TTM) 4.47 |
Enterprise Value 2593054976 | Price to Sales(TTM) 4.47 | ||
Enterprise Value to Revenue 16.17 | Enterprise Value to EBITDA - | Shares Outstanding 130084000 | Shares Floating 118699915 |
Shares Outstanding 130084000 | Shares Floating 118699915 | ||
Percent Insiders 8.29 | Percent Institutions 78.28 |
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 primarily operated as a savings and loan association, focusing on residential mortgages and retail banking services in Kansas and surrounding areas. Over time, it has grown through organic expansion and strategic acquisitions to become a significant regional player.
Core Business Areas
- Retail Banking: Provides traditional banking services, including checking accounts, savings accounts, and certificates of deposit, to individuals and small businesses.
- Residential Mortgages: Offers a range of mortgage products, including fixed-rate and adjustable-rate mortgages, primarily for single-family homes.
- Commercial Real Estate Lending: Provides loans for commercial properties, targeting small to medium-sized businesses and real estate investors.
Leadership and Structure
The company is led by a board of directors and an executive management team. Its organizational structure is typical of a financial holding company, with various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Market Share (%): Unavailable without specialized data access.
- Residential Mortgages: Core product, providing funding for home purchases and refinancing. Market share is concentrated within its geographic footprint. Competitors include large national banks like JPMorgan Chase (JPM) and Wells Fargo (WFC), as well as regional banks.
- Market Share (%): Unavailable without specialized data access.
- Savings Accounts and CDs: Traditional savings products for retail customers. Market share is regional. Competitors include online banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies.
Positioning
Capitol Federal Financial Inc. positions itself as a community-focused bank, offering personalized service and local expertise. Its competitive advantage lies in its established presence and customer relationships within its market area.
Total Addressable Market (TAM)
The TAM for mortgage lending and retail banking services is substantial in the US. Capitol Federal's market share is concentrated in its regional footprint. Precise TAM figures are subject to macroeconomic conditions and local real estate dynamics.
Upturn SWOT Analysis
Strengths
- Strong local brand reputation
- Experienced management team
- Solid capital base
- High-quality loan portfolio
Weaknesses
- Limited geographic diversification
- Dependence on traditional banking products
- Exposure to interest rate risk
- Lack of technological innovation compared to larger peers
Opportunities
- Expansion into new markets within the region
- Development of new digital banking products
- Strategic acquisitions of smaller banks or credit unions
- Increased focus on wealth management services
Threats
- Rising interest rates
- Increased regulatory burden
- Competition from fintech companies
- Economic downturn impacting loan demand
Competitors and Market Share
Key Competitors
- USB
- BOKF
- STOR
- BANF
Competitive Landscape
Capitol Federal Financial benefits from a strong local presence and customer relationships. However, it faces competition from larger national banks with greater resources and more diverse product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates are needed for future growth projections.
Recent Initiatives: Requires monitoring of the Company's announcements.
Summary
Capitol Federal Financial is a stable regional bank with a solid foundation in residential mortgages and retail banking. Its strengths lie in its local presence and experienced management. However, it faces challenges from larger competitors and the need to adapt to the evolving technological landscape of the banking industry. Future growth will depend on its ability to expand its product offerings and geographic reach.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market data providers
- SEC Filings
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data is subject to change and may not be entirely accurate.
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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