Capitol Federal Financial, Inc.

NasdaqGS:CFFN Stock Report

Market Cap: US$882.4m

Capitol Federal Financial Valuation

Is CFFN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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 ($6.78) is trading above our estimate of fair value ($5.52)

Significantly Below Fair Value: CFFN is trading above our estimate of fair value.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for CFFN?

Key metric: As CFFN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CFFN. This is calculated by dividing CFFN's market cap by their current earnings.
What is CFFN's PE Ratio?
PE Ratio23.1x
EarningsUS$38.01m
Market CapUS$882.38m

Price to Earnings Ratio vs Peers

How does CFFN's PE Ratio compare to its peers?

The above table shows the PE ratio for CFFN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average26.1x
HIFS Hingham Institution for Savings
26.6xn/aUS$620.0m
HFWA Heritage Financial
24.4x29.4%US$915.0m
HBNC Horizon Bancorp
38.1x54.3%US$812.7m
CPF Central Pacific Financial
15.4x14.8%US$872.3m
CFFN Capitol Federal Financial
23.1x26.2%US$882.4m

Price-To-Earnings vs Peers: CFFN is good value based on its Price-To-Earnings Ratio (23.1x) compared to the peer average (26.1x).


Price to Earnings Ratio vs Industry

How does CFFN's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
CFFN 23.1xIndustry Avg. 13.3xNo. of Companies94PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CFFN is expensive based on its Price-To-Earnings Ratio (23.1x) compared to the US Banks industry average (13.3x).


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.

CFFN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio23.1x
Fair PE Ratio17.2x

Price-To-Earnings vs Fair Ratio: CFFN is expensive based on its Price-To-Earnings Ratio (23.1x) compared to the estimated Fair Price-To-Earnings Ratio (17.2x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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