NMS · Banks - Regional

Capitol Federal Financial, Inc. (CFFN) Stock

$8.40 +0.84% NMS: CFFN Financial Services

Valuation

MetricValue
Price$8.40
Market Cap$1.04B
P/E Ratio13.20
P/B Ratio1.04
P/S Ratio2.43
EPS (TTM)$0.00
52-Week High$9.26
52-Week Low$5.97
Dividend Yield4.43%

Financials & Margins

MetricValue
ROE8.01%
ROA0.86%
ROCE1.01%
Gross Margin19.90%
Operating Margin19.90%
Net Margin19.04%
Debt/Equity1.66
Current Ratio0.17

Annual Financials (USD)

Metric20212022202320242025
Revenue$279.0M$300.0M$186.0M$379.0M$417.0M
Operating Profit$96.0M$107.0M$-139.0M$54.0M$83.0M
Net Profit$76.0M$84.0M$-102.0M$38.0M$68.0M
EPS$0.56$0.62$-0.76$0.29$0.52
Op Margin34.5%35.8%-74.8%14.3%19.9%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$9.6B$9.6B$10.2B$9.5B$9.8B
Total Liabilities$8.4B$8.5B$9.1B$8.5B$8.7B
Cash$42.0M$49.0M$246.0M$217.0M$252.0M
Borrowings$1.6B$2.1B$2.4B$2.2B$2.0B

Latest News

Timberland Rises 37% in a Year: Should You Buy the Stock? Zacks · Jul 7, 2026 Investors Can Buy 5 High-Yield Dividend Stocks Trading Under $10 Hand-Over-Fist 24/7 Wall St. · Jun 29, 2026 All You Need to Know About Capitol Federal (CFFN) Rating Upgrade to Buy Zacks · May 27, 2026 Discovering US Market's Undiscovered Gems in May 2026 Simply Wall St. · May 7, 2026 Capitol Federal Financial (CFFN) Misses Q2 Earnings and Revenue Estimates Zacks · Apr 29, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$74.0M$97.0M$48.0M$31.0M$55.0M
Investing Cash Flow$-336.0M$-173.0M$-335.0M$622.0M$-212.0M
Financing Cash Flow$404.0M$-395.0M$-184.0M$58.0M$461.0M
Net Cash Flow$-169.0M$-21.0M$196.0M$-28.0M$35.0M
Free Cash Flow$65.0M$92.0M$41.0M$24.0M$50.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.34
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y45.64%
Return 3Y53.51%
Return 5Y1.72%

Ownership

Insiders Held8.08%
Institutions Held81.80%
Institutions Float Held88.99%
Institutional HolderSharesReport Date
Blackrock Inc.18,167,6032026-03-31
Dimensional Fund Advisors LP6,790,1302026-03-31
Vanguard Portfolio Management LLC6,687,5142026-03-31
Holdco Asset Management, LP6,466,0592026-03-31
State Street Corporation6,070,3152026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CBNKCapital Bancorp, Inc. $41.29 +0.24% 11.79 $672.63M 1.38%
CCBGCapital City Bank Group $50.53 +0.08% 13.79 $864.73M 2.17%
CFFIC&F Financial Corporation $107.33 -0.83% 10.96 $349.00M 1.95%
CHCOCity Holding Company $142.01 -0.97% 15.63 $2.00B 2.80%
FVCBFVCBankcorp, Inc. $17.10 -5.73% 12.27 $308.38M 1.58%

About Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc. is led by CEO John Dicus, publicly traded since 1999.

Capitol Federal Financial, Inc. (CFFN) stock trades at $8.40 with a market capitalization of $1.04B. The stock is valued at a price-to-earnings (P/E) ratio of 13.20, price-to-book of 1.04, price-to-sales of 2.43. Over the past 52 weeks the stock has ranged between $5.97 and $9.26, and currently trades 9.3% below its 52-week high. It pays a dividend yielding 4.43%.

On profitability, Capitol Federal Financial, Inc. generates a return on equity (ROE) of 8.01%, return on capital employed of 1.01%, an operating margin of 19.90%, a net profit margin of 19.04%.

Capitol Federal Financial, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Capitol Federal Financial, Inc. reported revenue of $315.0M rising to $417.0M, a change of +32.4% across 10 years. Compounded, revenue has grown 5.3% a year over five years, 11.6% over three, 10.0% over the last twelve months. Net profit fell to $68.0M.

Operating margin went from 38.7% in 2016 to 19.9% in 2025, a fall of 18.8 percentage points. The most recent net margin is 19.04%. On a trailing twelve-month basis to Jun '26, revenue is $435.0M and net profit $83.0M.

Borrowings fell from $2.6B to $2.0B, cash from operations was $55.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 2.8% over five years, and was 6.5% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Capitol Federal Financial, Inc. (CFFN) — frequently asked questions

What is Capitol Federal Financial, Inc. (CFFN) stock price today?

Capitol Federal Financial, Inc. (CFFN) is currently trading at $8.40, up 0.84% today.

What is CFFN P/E ratio?

Capitol Federal Financial, Inc.'s P/E ratio is 13.20. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is CFFN return on equity (ROE)?

Capitol Federal Financial, Inc.'s return on equity (ROE) is 8.01%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is Capitol Federal Financial, Inc.'s market cap?

Capitol Federal Financial, Inc. has a market capitalization of $1.04B.

Does CFFN pay a dividend?

Yes. Capitol Federal Financial, Inc. currently yields 4.43%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does CFFN carry?

Capitol Federal Financial, Inc. has a debt-to-equity ratio of 1.66. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is CFFN's profit margin?

Capitol Federal Financial, Inc. reports a net profit margin of 19.04% — the share of revenue left after every cost, including tax and interest.

What sector is CFFN in?

Capitol Federal Financial, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is CFFN listed on?

Capitol Federal Financial, Inc. trades on NMS under the ticker CFFN.

What is CFFN's 52-week range?

Over the last year Capitol Federal Financial, Inc. has traded between $5.97 and $9.26.

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Screens CFFN currently matches

On the figures above, Capitol Federal Financial, Inc. passes the filters for 18 of our ready-made screens, among them High Dividend Stocks, Dividend Stocks, Dividend Stocks Under $10. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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