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Capitol Federal Financial, Inc. (CFFN)
Price$7.72
Favorite Metrics
Price vs S&P 500 (26W)18.06%
Price vs S&P 500 (4W)0.65%
Market Capitalization$999.15M
P/E Ratio (Annual)14.69x
Indicated Dividend Yield (Annual)4.41%
All Metrics
P/CF (Annual)18.15x
Book Value / Share (Quarterly)$8.02
P/TBV (Annual)0.80x
Indicated Dividend (Annual)$0.34
Cash Flow / Share (Quarterly)$0.47
Payout Ratio (TTM)60.64%
Price vs S&P 500 (YTD)9.08%
EPS (TTM)$0.56
10-Day Avg Trading Volume0.73M
EPS Excl Extra (TTM)$0.56
EPS (Annual)$0.52
Dividend / Share (Annual)$0.33
ROI (Annual)6.49%
Cash / Share (Quarterly)$0.23
P/E Basic Excl Extra (TTM)13.71x
EPS Growth (5Y)2.27%
P/E Normalized (Annual)14.69x
ROA (Last FY)0.70%
EBITD / Share (TTM)$0.74
ROE (5Y Avg)2.87%
Cash Flow / Share (Annual)$0.38
P/B Ratio0.96x
P/B Ratio (Quarterly)0.86x
Net Income / Employee (Annual)$0
ROA (TTM)0.75%
EPS Growth QoQ (YoY)32.69%
EV / EBITDA (TTM)10.38x
EPS Incl Extra (Annual)$0.52
3-Month Avg Trading Volume0.98M
52-Week Price Return47.42%
EV / Free Cash Flow (Annual)20.05x
P/E Incl Extra (TTM)13.71x
Tangible BV / Share (Quarterly)$7.92
52-Week High$7.85
EPS Excl Extra (Annual)$0.52
CapEx CAGR (5Y)-18.76%
Tangible BV CAGR (5Y)4.79%
26-Week Price Return26.81%
13-Week Price Return15.07%
Total Debt / Equity (Annual)0.00x
Enterprise Value$999.151
Book Value / Share Growth (5Y)-3.03%
Cash / Share (Annual)$0.23
3-Month Return Std Dev26.41%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)0.12%
EBITDA Interim CAGR (5Y)1.01%
ROE (Last FY)6.49%
EPS Basic Excl Extra (Annual)$0.52
P/FCF (TTM)16.32x
EV / Free Cash Flow (TTM)16.32x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$0.56
ROI (TTM)6.99%
Dividend Growth Rate (5Y)-12.99%
Tangible BV / Share (Annual)$7.92
Forward P/E12.06x
Free OCF CAGR (5Y)-8.62%
Price vs S&P 500 (52W)12.32%
P/E Ratio (TTM)13.71x
EPS Growth TTM (YoY)43.69%
Year-to-Date Return13.22%
5-Day Price Return1.05%
EPS Normalized (Annual)$0.52
ROA (5Y Avg)0.35%
Month-to-Date Return8.13%
EBITD / Share (Annual)$0.69
EPS Growth (3Y)-5.63%
LT Debt / Equity (Annual)0.20x
P/CF (TTM)14.94x
ROI (5Y Avg)2.87%
P/E Excl Extra (TTM)13.71x
LT Debt / Equity (Quarterly)0.18x
EPS Basic Excl Extra (TTM)$0.56
P/TBV (Quarterly)0.80x
Payout Ratio (Annual)65.05%
P/B Ratio (Annual)0.80x
Dividend / Share (TTM)$0.34
Book Value / Share (Annual)$7.92
Price vs S&P 500 (13W)12.21%
Dividend Yield (TTM)4.42%
Beta0.69x
P/FCF (Annual)20.05x
ROE (TTM)6.99%
52-Week Low$5.10
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.29
2.29
2.29
2.29
Industry Peers — Savings Institutions(36)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CFFNCapitol Federal Financial, Inc. | 0.86x | 6.99% | 0.75% | — | $7.72 |
HSBCHSBC Holdings PLC | 1.38x | 14.21% | 0.85% | — | $91.59 |
AXAxos Financial, Inc. Common Stock | 1.67x | 16.59% | 1.75% | — | $98.97 |
EBCEastern Bankshares, Inc. Common Stock | 1.01x | 2.29% | 0.33% | — | $20.97 |
TFSLTFS Financial Corporation | 1.97x | 4.79% | 0.52% | — | $15.05 |
BKUBankunited, Inc. | 1.10x | 8.99% | 0.76% | — | $47.34 |
PFSProvident Financial Services, Inc. | 0.91x | 10.62% | 1.18% | — | $22.84 |
CLBKColumbia Financial, Inc. Common Stock | 1.40x | 4.58% | 0.48% | — | $18.41 |
HTBHomeTrust Bancshares, Inc. | 1.25x | 11.00% | 1.41% | — | $45.47 |
NFBKNorthfield Bancorp, Inc. | 0.69x | 0.11% | 0.01% | — | $13.85 |
NRIMNorthrim BanCorp Inc | 1.80x | 21.32% | 1.99% | — | $24.81 |
About
Capitol Federal Financial is a Kansas-based bank holding company focused on community banking and residential mortgage lending through its subsidiary bank. The company derives its primary income from net interest margins on a loan portfolio concentrated in one- to four-family residential mortgages across Kansas metropolitan areas. The bank diversifies its operations through participation in commercial real estate syndication loans and investments in various securities.