| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
CFFN Stock Overview
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.
Capitol Federal Financial Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$9.93 |
| 52 Week High | US$12.79 |
| 52 Week Low | US$8.77 |
| Beta | 0.40 |
| 1 Month Change | 7.58% |
| 3 Month Change | 1.43% |
| 1 Year Change | -11.81% |
| 3 Year Change | -26.55% |
| 5 Year Change | -26.50% |
| Change since IPO | 131.29% |
Recent News & Updates
Capitol Federal Financial GAAP EPS of $0.16 beats by $0.01, revenue of $56.09M beats by $1.59M
Capitol Federal Financial press release (NASDAQ:CFFN): Q2 GAAP EPS of $0.16 beats by $0.01. Revenue of $56.09M (+1.0% Y/Y) beats by $1.59M. net interest margin of 1.79% (2.11% excluding the effects of the leverage strategy). Annualized loan growth of 7.2%. paid dividends of $38.7 million, or $0.285 per share, including a $0.20 per share True Blue® Capitol dividend.
Capitol Federal Financial (NASDAQ:CFFN) Is Due To Pay A Dividend Of $0.085
The board of Capitol Federal Financial, Inc. ( NASDAQ:CFFN ) has announced that it will pay a dividend of $0.085 per...
Shareholder Returns
| CFFN | US Mortgage | US Market | |
|---|---|---|---|
| 7D | 0.7% | 1.0% | 1.4% |
| 1Y | -11.8% | -18.7% | -8.4% |
Return vs Industry: CFFN exceeded the US Mortgage industry which returned -19.6% over the past year.
Return vs Market: CFFN underperformed the US Market which returned -9% over the past year.
Price Volatility
| CFFN volatility | |
|---|---|
| CFFN Average Weekly Movement | 2.7% |
| Mortgage Industry Average Movement | 3.5% |
| Market Average Movement | 7.6% |
| 10% most volatile stocks in US Market | 17.1% |
| 10% least volatile stocks in US Market | 3.1% |
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.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1893 | 700 | John Dicus | https://capfed.com |
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.
Capitol Federal Financial Fundamentals Summary
| CFFN fundamental statistics | |
|---|---|
| Market Cap | US$1.35b |
| Earnings (TTM) | US$83.47m |
| Revenue (TTM) | US$216.65m |
16.1x
P/E Ratio1.2x
P/B RatioIs CFFN overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CFFN income statement (TTM) | |
|---|---|
| Revenue | US$216.65m |
| Cost of Revenue | US$0 |
| Gross Profit | US$216.65m |
| Other Expenses | US$133.19m |
| Earnings | US$83.47m |
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.62 |
| Gross Margin | 100.00% |
| Net Profit Margin | 38.53% |
| Debt/Equity Ratio | 165.2% |
How did CFFN perform over the long term?
See historical performance and comparisonDividends
5.4%
Current Dividend Yield55%
Payout RatioValuation
Is CFFN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Analyst Forecast
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CFFN?
Other financial metrics that can be useful for relative valuation.
| What is CFFN's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | US$1.35b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | -5.1x |
Price to Earnings Ratio vs Peers
How does CFFN's PE Ratio compare to its peers?
| CFFN PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 7.6x | ||
AGM Federal Agricultural Mortgage | 9.4x | -2.6% | US$1.2b |
PFS Provident Financial Services | 12.1x | 6.8% | US$1.9b |
NMIH NMI Holdings | 7.3x | 12.5% | US$1.9b |
GHLD Guild Holdings | 1.6x | -44.2% | US$620.4m |
CFFN Capitol Federal Financial | 16.1x | -3.1% | US$1.3b |
Price-To-Earnings vs Peers: CFFN is expensive based on its Price-To-Earnings Ratio (16.1x) compared to the peer average (7.6x).
Price to Earnings Ratio vs Industry
How does CFFN's PE Ratio compare vs other companies in the US Mortgage Industry?
Price-To-Earnings vs Industry: CFFN is expensive based on its Price-To-Earnings Ratio (16.1x) compared to the US Mortgage industry average (12x)
Price to Earnings Ratio vs Fair Ratio
What is CFFN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 16.1x |
| Fair PE Ratio | 10.7x |
Price-To-Earnings vs Fair Ratio: CFFN is expensive based on its Price-To-Earnings Ratio (16.1x) compared to the estimated Fair Price-To-Earnings Ratio (10.7x).
Share Price vs Fair Value
What is the Fair Price of CFFN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CFFN ($9.93) is trading above our estimate of fair value ($6.45)
Significantly Below Fair Value: CFFN is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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Future Growth
How is Capitol Federal Financial forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
-3.1%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CFFN's earnings are forecast to decline over the next 3 years (-3.1% per year).
Earnings vs Market: CFFN's earnings are forecast to decline over the next 3 years (-3.1% per year).
High Growth Earnings: CFFN's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CFFN's revenue (3.8% per year) is forecast to grow slower than the US market (7.8% per year).
High Growth Revenue: CFFN's revenue (3.8% 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
Discover growth companies
Past Performance
How has Capitol Federal Financial performed over the past 5 years?
Past Performance Score
4/6Past Performance Score 4/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-5.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CFFN has high quality earnings.
Growing Profit Margin: CFFN's current net profit margins (38.5%) are higher than last year (36.1%).
Past Earnings Growth Analysis
Earnings Trend: CFFN's earnings have declined by 5.2% per year over the past 5 years.
Accelerating Growth: CFFN's earnings growth over the past year (10.2%) exceeds its 5-year average (-5.2% per year).
Earnings vs Industry: CFFN earnings growth over the past year (10.2%) exceeded the Mortgage industry 3.1%.
Return on Equity
High ROE: CFFN's Return on Equity (7.4%) is considered low.
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Financial Health
How is Capitol Federal Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial Health Score 6/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CFFN's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: CFFN has a sufficient allowance for bad loans (188%).
Low Risk Liabilities: 76% 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 (76%).
Low Risk Deposits: CFFN's Loans to Deposits ratio (114%) is appropriate.
Level of Bad Loans: CFFN has an appropriate level of bad loans (0.1%).
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Dividend
What is Capitol Federal Financial current dividend yield, its reliability and sustainability?
Dividend Score
4/6Dividend Score 4/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
5.44%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CFFN's dividend (5.44%) is higher than the bottom 25% of dividend payers in the US market (1.48%).
High Dividend: CFFN's dividend (5.44%) is in the top 25% of dividend payers in the US market (3.99%)
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 increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (55.3%), 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 or that it will be covered by earnings.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
14.7yrs
Average management tenure
CEO
John Dicus (61 yo)
23.42yrs
Tenure
US$1,187,578
Compensation
Mr. John B. Dicus has been the Chief Executive Officer of Capitol Federal Financial, Inc. and its subsidiary Capitol Federal Savings Bank since January 1, 2003. Mr. Dicus has been the President of Capitol...
CEO Compensation Analysis
Compensation vs Market: John's total compensation ($USD1.19M) is below average for companies of similar size in the US market ($USD5.41M).
Compensation vs Earnings: John's compensation has increased by more than 20% in the past year.
Leadership Team
Experienced Management: CFFN's management team is seasoned and experienced (14.7 years average tenure).
Board Members
Experienced Board: CFFN's board of directors are seasoned and experienced ( 13.6 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if 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 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
- Implied Market Cap: US$1.345b
- Shares outstanding: 135.48m
- Website: https://capfed.com
Number of Employees
Location
- Capitol Federal Financial, Inc.
- 700 South Kansas Avenue
- Topeka
- Kansas
- 66603
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/08/18 00:00 |
| End of Day Share Price | 2022/08/18 00:00 |
| Earnings | 2022/06/30 |
| Annual Earnings | 2021/09/30 |
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.