# Capitol Federal Financial Inc. (CFFN) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $8.87, market value $1.1 billion.

## Valuation
- **P/E (trailing): 13.6×** (5-yr avg 13.9×, 3-yr avg 15.0×). Capitol Federal Financial Inc. trades at 13.6× trailing earnings, close to its own five-year average of 13.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.14**. A PEG of 0.14 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 67.1×**. Each dollar of revenue is priced at 67.1×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.5%** (5-yr avg 6.7%). Free cash flow equals 6.5% of the market value, in line with its five-year average of 6.7%. Above 5% is generally attractive.
- **Earnings yield: 7.3%**. The inverse of the P/E: 7.3% of the price is earned each year.

## Profitability
- **Net margin: 417.3%**. 417.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.5%**. 6.5% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.7%**. Each dollar of assets produces 0.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 6.5%** (3-yr -3.4%/yr, 5-yr 1.9%/yr). Revenue grew 6.5% over the last year, against 1.9% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 79.3%** (3-yr -5.7%/yr, 5-yr 2.0%/yr). Earnings per share rose 79.3%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -18.4%/yr**. Free cash flow has compounded at -18.4% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $252 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.83%** ($0.34 per share, trailing). Capitol Federal Financial Inc. yields 3.83%, an income-level yield.
- **Payout ratio: 65%** (68% of free cash flow). 65% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): -6.3%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): 41.2%** (YTD 34.0%, 3-mo 13.0%). The shares are up 41.2% over twelve months including dividends.
- **From 52-week high: -4.2%** (48.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 61**. An RSI of 61 is neutral.
- **Beta (1 yr): 0.76** (volatility 24%). Beta of 0.76 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CFFN · Page: https://foliofundamentals.com/stocks/cffn

Not investment advice.