Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CFFN
STRONG BUYFLAGCapitol Federal Financial, Inc. · Financial Services · United States · $1.1B · Avg Vol: $7M/d
Capitol Federal Financial has strong momentum at M78 with a buyback on file and a 3.5% upward revision, but value at V48 is below the calibrated floor and quality Q51 is thin, so stage one fails.
COMPANY DESCRIPTION
Capitol Federal Financial, Inc. is a bank holding company for Capitol Federal Savings Bank, operating as a community bank primarily in Kansas and Missouri and focusing on residential mortgage lending. The bank benefits from its long-standing presence, strong customer relationships, and a reputation for conservative lending practices, providing a stable asset base and competitive advantage against larger national banks.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 212.6M | -20.9M | 164.6M | 198.2M | -2.3% | 216.3M | 229.2M | 240.6M | 10.2% |
| EPS | 0.62 | -0.84 | 0.29 | 0.52 | -5.4% | 0.60 | 0.66 | 0.75 | 19.7% |
| Shares | 135.9M | 133.1M | 130.1M | 129.7M | -4.5% | 124.4M | — | — | — |
| Debt | 2.1B | 2.4B | 2.2B | 2.0B | -2.9% | 1.7B | — | — | — |
| Equity | 1.1B | 1.0B | 1.0B | 1.0B | -1.5% | — | — | — | — |
| Op CF | 97.3M | 47.5M | 31.2M | 55.0M | -17.3% | 72.8M | — | — | — |
| Inv CF | -167.6M | -329.1M | 629.1M | -206.6M | — | — | — | — | — |
| Fin CF | 49.2M | 478.0M | -688.6M | 186.7M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CFFN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CFFN | Capitol Federal Financial, Inc.(you) | $1.1B | 83 | STRONG BUY |
| BFST | Business First Bancshares, Inc. | $1.0B | 84 | STRONG BUY |
| UVSP | Univest Financial Corporation | $1.2B | 82 | STRONG BUY |
| THFF | First Financial Corporation | $922M | 82 | STRONG BUY |
| CCNE | CNB Financial Corporation | $1.0B | 80 | BUY |
| FMBH | First Mid Bancshares, Inc. | $1.4B | 83 | STRONG BUY |
| FMNB | Farmers National Banc Corp. | $899M | 84 | STRONG BUY |
| CPF | Central Pacific Financial Corp. | $997M | 79 | BUY |
| ORRF | Orrstown Financial Services, Inc. | $836M | 84 | STRONG BUY |
| BHRB | Burke & Herbert Financial Services Corp. | $1.4B | 82 | STRONG BUY |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%