Capitol Federal Financial
Market Cap
US$2.0b
Last Updated
2019/10/19 23:32 UTC
Data Sources
Company Financials
Executive Summary
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.
Snowflake
Fundamentals
Adequate balance sheet second-rate dividend payer.
Similar Companies
Share Price & News
How has Capitol Federal Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
1.8%
CFFN
1.6%
US Mortgage
0.4%
US Market
1 Year Return
15.1%
CFFN
15.2%
US Mortgage
6.9%
US Market
Return vs Industry: CFFN matched the US Mortgage industry which returned 15.2% over the past year.
Return vs Market: CFFN exceeded the US Market which returned 6.9% over the past year.
Shareholder returns
| CFFN | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.8% | 1.6% | 0.4% |
| 30 Day | 1.6% | 0.7% | -1.1% |
| 90 Day | 3.1% | 4.2% | -0.5% |
| 1 Year | 24.0%15.1% | 17.7%15.2% | 9.3%6.9% |
| 3 Year | 22.8%0.5% | 41.2%31.8% | 45.8%36.4% |
| 5 Year | 60.3%15.0% | 71.5%53.4% | 62.9%45.1% |
Price Volatility Vs. Market
How volatile is Capitol Federal Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
Do Institutions Own Capitol Federal Financial, Inc. (NASDAQ:CFFN) Shares?4 weeks ago | Simply Wall St
Have Insiders Been Buying Capitol Federal Financial, Inc. (NASDAQ:CFFN) Shares?1 month ago | Simply Wall St
Don't Sell Capitol Federal Financial, Inc. (NASDAQ:CFFN) Before You Read ThisValuation
Is Capitol Federal Financial undervalued compared to its fair value and its price relative to the market?
20.88x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Undervalued: CFFN ($14.19) is trading above our estimate of fair value ($6.44)
Significantly Undervalued: CFFN is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CFFN is poor value based on its PE Ratio (20.9x) compared to the Mortgage industry average (14.4x).
PE vs Market: CFFN is poor value based on its PE Ratio (20.9x) compared to the US market (17.6x).
Price to Earnings Growth Ratio
Low PEG Ratio: Insufficient data to calculate CFFN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CFFN is overvalued based on its PB Ratio (1.5x) compared to the US Mortgage industry average (1.1x).
Next Steps
Future Growth
How is Capitol Federal Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
10.2%
Forecasted Banks industry annual growth in earnings
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if CFFN's forecast earnings growth is above the savings rate (2.7%).
Earnings vs Market: Insufficient data to determine if CFFN's earnings are forecast to grow faster than the US market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: Insufficient data to determine if CFFN's revenue is forecast to grow faster than the US market.
High Growth Revenue: Insufficient data to determine if CFFN's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: Insufficient data to determine if CFFN's Return on Equity is forecast to be high in 3 years time
Next Steps
Past Performance
How has Capitol Federal Financial performed over the past 5 years?
5.2%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: CFFN's earnings have grown by 5.2% per year over the past 5 years.
Accelerating Growth: CFFN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CFFN had negative earnings growth (-5%) over the past year, making it difficult to compare to the Mortgage industry average (31.5%).
Return on Equity
High ROE: CFFN's Return on Equity (7%) is considered low.
Return on Assets
ROA vs Industry: CFFN has a higher Return on Assets than the Mortgage industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate CFFN's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is Capitol Federal Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: CFFN has a low level of unsold assets or inventory.
Debt Coverage by Assets: CFFN's debt is not covered by short term assets (assets are 0x debt).
Financial Institutions Analysis
Asset Level: CFFN's level of assets compared to its equity is low.
Allowance for Bad Loans: CFFN has a low allowance for bad loans.
Low Risk Liabilities: CFFN's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFFN has an acceptable proportion of non-loan assets held.
Low Risk Deposits: CFFN has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: CFFN has an appropriate level of bad loans (0.13%)
Next Steps
Dividend
What is Capitol Federal Financial's current dividend yield, its reliability and sustainability?
4.16%
Current Dividend Yield
Upcoming Dividend Payment
Purchase Capitol Federal Financial before the 'Buy Limit' to receive their next dividend payment.
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: CFFN's dividend (4.16%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: CFFN's dividend (4.16%) is in the top 25% of dividend payers in the US market (3.73%)
Stable Dividend: CFFN's dividend payments have been volatile in the past 10 years.
Growing Dividend: CFFN's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (50%), CFFN's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
What is the CEO of Capitol Federal Financial's salary, the management and board of directors tenure and is there insider trading?
14.1yrs
Average management tenure
CEO
John Dicus (58yo)
16.8yrs
Tenure
US$1,124,825
Compensation
Mr. John B. Dicus has been the Chief Executive Officer of Capitol Federal Financial, Inc. and its subsidiary Capitol Federal Savings Bank since January 1, 2003. Mr. Dicus has been the President of Capitol ...
CEO Compensation Analysis
Compensation vs. Market: John's total compensation ($USD1.12M) is about average for companies of similar size in the US market ($USD4.00M).
Compensation vs Earnings: John's compensation has been consistent with company performance over the past year.
Management Age and Tenure
14.1yrs
Average Tenure
58yo
Average Age
Experienced Management: CFFN's management team is seasoned and experienced (14.1 years average tenure).
Board Age and Tenure
10.8yrs
Average Tenure
62yo
Average Age
Experienced Board: CFFN's board of directors are seasoned and experienced ( 10.8 years average tenure).
Insider Trading
Insider Buying: CFFN insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Chief Legal Officer Executive VP |
| Shares | 2,015 |
| Max Price | US$13.00 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 2,902 |
| Max Price | US$13.49 |
| Entity | Individual |
| Role | Chief Legal Officer Executive VP |
| Shares | 379 |
| Max Price | US$12.80 |
| Entity | Individual |
| Role | Chief Legal Officer Executive VP |
| Shares | 4,860 |
| Max Price | US$12.29 |
Ownership Breakdown
Management Team
John Dicus (58yo)
Chairman
- Tenure: 16.8yrs
- Compensation: US$1.12m
Kent Townsend (58yo)
Executive VP
- Tenure: 14.1yrs
- Compensation: US$516.20k
Tara Van Houweling (45yo)
First VP
- Tenure: 0yrs
Rick Jackson (54yo)
Chief Lending Officer & Executive VP
- Tenure: 0yrs
- Compensation: US$373.60k
Natalie Haag (60yo)
Executive VP
- Tenure: 0yrs
- Compensation: US$351.26k
Daniel Lehman (54yo)
Executive VP & Chief Retail Operations Officer
- Tenure: 3yrs
Tony Barry
Executive Vice President of Corporate Services
- Tenure: 0yrs
Robert Kobbeman (64yo)
Executive VP & Chief Commercial Banking Officer
- Tenure: 0yrs
Board Members
John Dicus (86yo)
Chairman Emeritus
- Tenure: 10.8yrs
- Compensation: US$846.95k
John Dicus (58yo)
Chairman
- Tenure: 16.8yrs
- Compensation: US$1.12m
Morris Huey (70yo)
Independent Director
- Tenure: 10.8yrs
- Compensation: US$60.00k
Jeff Thompson (58yo)
Independent Director
- Tenure: 15.8yrs
- Compensation: US$65.00k
Michael McCoy (70yo)
Independent Director
- Tenure: 14.8yrs
- Compensation: US$60.00k
Jeffrey Johnson (53yo)
Independent Director
- Tenure: 14.8yrs
- Compensation: US$60.00k
Reggie Robinson (62yo)
Director
- Tenure: 7.8yrs
- Compensation: US$60.00k
Michel' Cole (57yo)
Director
- Tenure: 2.8yrs
- Compensation: US$131.04k
Jim Morris (65yo)
Director
- Tenure: 6.8yrs
- Compensation: US$60.00k
Company Information
Capitol Federal Financial, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Capitol Federal Financial, Inc.
- Ticker: CFFN
- Exchange: NasdaqGS
- Founded: 1893
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$1.955b
- Shares outstanding: 137.80m
- Website: https://capfed.com
Number of Employees
Location
- Capitol Federal Financial, Inc.
- 700 South Kansas Avenue
- Topeka
- Kansas
- 66603
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CFFN | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Apr 1999 |
| CFW | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Apr 1999 |
Biography
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 ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/19 23:32 |
| End of Day Share Price | 2019/10/18 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/09/30 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.