Capitol Federal Financial, Inc. (CFFN) is a Financials stock trading at $8.70 (as of 2026-09-02), with a market capitalization of $1.09B and a trailing P/E of 13.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
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 deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. 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 saving deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 54 branches, including 45 traditional branches and nine in-store branches located in nine counties throughout Kansas and two counties in Missouri. 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.
Capitol Federal is a small community bank that takes retail deposits and lends them out as home mortgages, commercial real estate, and small business loans, earning the interest spread. Most of its loan book is commercial, and it is funded by a base of local relationship deposits, both insured and uninsured.
The entire profit model is the net interest spread: CFFN keeps the gap between what local depositors earn and what commercial and residential borrowers pay, with commercial lending doing the heavy lifting on the yield side.
Business quality (Solid): Solid. A 28% operating margin and 8% ROE on a $100M quarterly revenue base indicate a stable, profitable community lender, though the ROE trails what many growth investors expect from a bank with 9% annualized loan growth.
Valuation: At 13× earnings, CFFN trades in line with the Banking average (13×).
| Price | $8.70 |
| Market Cap | $1.09B |
| P/E Ratio | 13.3 |
| EV / EBITDA | 9.5 |
| Price / Book | 1.07 |
| Price / Sales | 2.63 |
| FCF Yield | 4.6% |
| DCF Value (model) | $7.40 |
| DCF Upside vs Price | -14.9% |
| Revenue (TTM) | $16.30M |
| Net Margin | 417.3% |
| Revenue Growth (YoY) | 5.5% |
| EPS Growth (YoY) | 35.7% |
| FCF Growth (YoY) | 72.4% |
| Stock P/E | 13.3 |
| Sector P/E (Financials) | 14.9 |
| Industry P/E (Banking) | 12.7 |
| vs Sector | -11.0% |
| vs Industry | 4.5% |
| Top Institutional Holder | BlackRock, Inc. ($129.54M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | John Dicus |
| Employees | 583 |
| Country | US |
| IPO Date | 1999-04-01 |
Data as of 2026-09-02.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.