Capitol Federal Financial
Market Cap
US$1.8b
Last Updated
2021/04/13 22:05 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. More Details
Snowflake Analysis
Flawless 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
Stable Share Price: CFFN is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: CFFN's weekly volatility (3%) has been stable over the past year.
Market Performance
7 Day Return
-2.3%
CFFN
-2.0%
US Mortgage
1.3%
US Market
1 Year Return
9.5%
CFFN
55.9%
US Mortgage
53.9%
US Market
Return vs Industry: CFFN underperformed the US Mortgage industry which returned 55.9% over the past year.
Return vs Market: CFFN underperformed the US Market which returned 53.9% over the past year.
Shareholder returns
| CFFN | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.3% | -2.0% | 1.3% |
| 30 Day | -9.4% | -7.4% | 2.8% |
| 90 Day | -1.6% | 6.3% | 6.6% |
| 1 Year | 14.0%9.5% | 60.6%55.9% | 56.6%53.9% |
| 3 Year | 24.4%3.5% | 32.3%21.5% | 62.7%52.3% |
| 5 Year | 32.0%-3.0% | 76.0%50.9% | 120.5%95.9% |
Long-Term 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
Is Capitol Federal Financial, Inc. (NASDAQ:CFFN) A Good Dividend Stock?1 month ago | Simply Wall St
What Kind Of Shareholders Hold The Majority In Capitol Federal Financial, Inc.'s (NASDAQ:CFFN) Shares?Valuation
Is Capitol Federal Financial undervalued compared to its fair value and its price relative to the market?
29.27x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CFFN ($12.98) is trading above our estimate of fair value ($7.19)
Significantly Below Fair Value: 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 (29.3x) compared to the US Mortgage industry average (13.8x).
PE vs Market: CFFN is poor value based on its PE Ratio (29.3x) compared to the US market (22.3x).
Price to Earnings Growth Ratio
PEG Ratio: CFFN is poor value based on its PEG Ratio (3.9x)
Price to Book Ratio
PB vs Industry: CFFN is overvalued based on its PB Ratio (1.4x) compared to the US Mortgage industry average (1x).
Future Growth
How is Capitol Federal Financial forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
7.5%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CFFN's forecast earnings growth (7.5% per year) is above the savings rate (2%).
Earnings vs Market: CFFN's earnings (7.5% per year) are forecast to grow slower than the US market (18.5% per year).
High Growth Earnings: CFFN's earnings are forecast to grow, but not significantly.
Revenue vs Market: CFFN's revenue (5.7% per year) is forecast to grow slower than the US market (9.9% per year).
High Growth Revenue: CFFN's revenue (5.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if CFFN's Return on Equity is forecast to be high in 3 years time
Past Performance
How has Capitol Federal Financial performed over the past 5 years?
-2.1%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CFFN has high quality earnings.
Growing Profit Margin: CFFN's current net profit margins (33.3%) are lower than last year (41.2%).
Past Earnings Growth Analysis
Earnings Trend: CFFN's earnings have declined by 2.1% 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 (-33.9%) over the past year, making it difficult to compare to the Mortgage industry average (4.7%).
Return on Equity
High ROE: CFFN's Return on Equity (4.8%) is considered low.
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
Financial Institutions Analysis
Asset Level: CFFN's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: CFFN has a sufficient allowance for bad loans (185%).
Low Risk Liabilities: 77% of CFFN's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFFN has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: CFFN's Loans to Deposits ratio (109%) is appropriate.
Level of Bad Loans: CFFN has an appropriate level of bad loans (0.2%).
Dividend
What is Capitol Federal Financial current dividend yield, its reliability and sustainability?
3.62%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CFFN's dividend (3.62%) is higher than the bottom 25% of dividend payers in the US market (1.26%).
High Dividend: CFFN's dividend (3.62%) is in the top 25% of dividend payers in the US market (3.5%)
Stability and Growth of Payments
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: At its current payout ratio (76.7%), CFFN's 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
How experienced are the management team and are they aligned to shareholders interests?
15.6yrs
Average management tenure
CEO
John Dicus (59 yo)
18.25yrs
Tenure
US$950,448
Compensation
Mr. John B. Dicus has been the Chief Executive Officer of Capitol Federal Financial, Inc. and its subsidiary Capitol Federal Savings Bank since January 1, 2003. Mr. Dicus has been the President of Capitol ...
CEO Compensation Analysis
Compensation vs Market: John's total compensation ($USD950.45K) is below average for companies of similar size in the US market ($USD3.72M).
Compensation vs Earnings: John's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: CFFN's management team is seasoned and experienced (15.6 years average tenure).
Board Members
Experienced Board: CFFN's board of directors are seasoned and experienced ( 12.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: CFFN insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
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$1.774b
- Shares outstanding: 135.22m
- Website: https://capfed.com
Number of Employees
Location
- Capitol Federal Financial, Inc.
- 700 South Kansas Avenue
- Topeka
- Kansas
- 66603
- United States
Listings
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 | 2021/04/13 22:05 |
| End of Day Share Price | 2021/04/13 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/09/30 |
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.