Capitol Federal Financial (CFFN)
Market Price (12/4/2025): $6.825 | Market Cap: $887.8 MilSector: Financials | Industry: Regional Banks
Capitol Federal Financial (CFFN)
Market Price (12/4/2025): $6.825Market Cap: $887.8 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights
Why It Matters
Which of these 2 stories sounds closer for this stock?
1. Generates cash flow
The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.
2. Riding a trend
Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 5.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.1% | Trading close to highsDist 52W High is 0.0% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 119% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 596% | Weak multi-year price returns2Y Excs Rtn is -10%, 3Y Excs Rtn is -74% | Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 26x |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 16%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 13% | ||
| Low stock price volatilityVol 12M is 27% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 5.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.1% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 596% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 16%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 13% |
| Low stock price volatilityVol 12M is 27% |
| Trading close to highsDist 52W High is 0.0% |
| Weak multi-year price returns2Y Excs Rtn is -10%, 3Y Excs Rtn is -74% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 119% |
| Expensive valuation multiplesP/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 26x |
Valuation, Metrics & Events
CFFN Stock
Why The Stock Moved
Qualitative Assessment
AI Generated Analysis | Feedback
Here are the key points for the movement of Capitol Federal Financial (CFFN) stock during the approximate period from August 31, 2025, to December 4, 2025:
1. Strong Fiscal Year 2025 Financial Results: Capitol Federal Financial reported a significant increase in net income for fiscal year 2025, reaching $68.0 million, a substantial rise from $38.0 million in the prior year. The company's net income for the fourth quarter of 2025 also saw a slight increase to $18.8 million, with earnings per share (EPS) of $0.14 meeting analyst estimates and revenue surpassing expectations.
2. Improved Net Interest Margin and Operational Efficiency: The company demonstrated enhanced profitability with its net interest margin improving to 2.09% in the fourth quarter of fiscal year 2025, primarily due to a strategic focus on higher-yielding commercial loans. Furthermore, Capitol Federal Financial's efficiency ratio improved to 56.84%, indicating more effective cost management.
Stock Movement Drivers
Return vs. Risk
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CFFN Return | -5% | -2% | -16% | -21% | -3% | 21% | -28% |
| Peers Return | -2% | 12% | -18% | 18% | 1% | 19% | 28% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 16% | 112% |
Monthly Win Rates [3] | |||||||
| CFFN Win Rate | 33% | 33% | 33% | 50% | 50% | 60% | |
| Peers Win Rate | 22% | 25% | 28% | 35% | 27% | 51% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 70% | |
Max Drawdowns [4] | |||||||
| CFFN Max Drawdown | -35% | -9% | -32% | -49% | -25% | -14% | |
| Peers Max Drawdown | -19% | -2% | -23% | -16% | -10% | -7% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: NEWT, ATLO, AVBC, LSBK, NU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/3/2025 (YTD)
How Low Can It Go
| Event | CFFN | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -70.4% | -25.4% |
| % Gain to Breakeven | 237.9% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -37.0% | -33.9% |
| % Gain to Breakeven | 58.8% | 51.3% |
| Time to Breakeven | 166 days | 148 days |
| 2018 Correction | ||
| % Loss | -27.1% | -19.8% |
| % Gain to Breakeven | 37.1% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -43.3% | -56.8% |
| % Gain to Breakeven | 76.3% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1480 days |
Compare to NEWT, ATLO, AVBC, LSBK, NU
In The Past
Capitol Federal Financial's stock fell -70.4% during the 2022 Inflation Shock from a high on 3/12/2021. A -70.4% loss requires a 237.9% gain to breakeven.
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Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select past ideas related to CFFN. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 3.4% | 3.4% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 9.5% | 9.5% | 0.0% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 0.1% | 0.1% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -0.1% | -0.1% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -7.7% | -7.7% | -11.0% |
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 3.4% | 3.4% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 9.5% | 9.5% | 0.0% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 0.1% | 0.1% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -0.1% | -0.1% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -7.7% | -7.7% | -11.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for Capitol Federal Financial
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 15.78 |
| Mkt Cap | 0.6 |
| Rev LTM | 140 |
| Op Inc LTM | - |
| FCF LTM | 12 |
| FCF 3Y Avg | 16 |
| CFO LTM | 12 |
| CFO 3Y Avg | 18 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 21.8% |
| Rev Chg 3Y Avg | 31.6% |
| Rev Chg Q | 19.4% |
| QoQ Delta Rev Chg LTM | 4.6% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 16.7% |
| CFO/Rev 3Y Avg | 25.5% |
| FCF/Rev LTM | 14.3% |
| FCF/Rev 3Y Avg | 22.7% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.6 |
| P/S | 3.4 |
| P/EBIT | - |
| P/E | 12.3 |
| P/CFO | 12.3 |
| Total Yield | 13.4% |
| Dividend Yield | 2.5% |
| FCF Yield 3Y Avg | 4.9% |
| D/E | 1.4 |
| Net D/E | 0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 7.6% |
| 3M Rtn | 11.1% |
| 6M Rtn | 26.4% |
| 12M Rtn | 21.0% |
| 3Y Rtn | 2.3% |
| 1M Excs Rtn | 7.7% |
| 3M Excs Rtn | 3.1% |
| 6M Excs Rtn | 11.6% |
| 12M Excs Rtn | 7.9% |
| 3Y Excs Rtn | -67.2% |
Returns Analyses
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 6302025 | 8082025 | 10-Q 6/30/2025 |
| 3312025 | 5092025 | 10-Q 3/31/2025 |
| 12312024 | 2072025 | 10-Q 12/31/2024 |
| 9302024 | 11272024 | 10-K 9/30/2024 |
| 6302024 | 8072024 | 10-Q 6/30/2024 |
| 3312024 | 5102024 | 10-Q 3/31/2024 |
| 12312023 | 2072024 | 10-Q 12/31/2023 |
| 9302023 | 11292023 | 10-K 9/30/2023 |
| 6302023 | 8092023 | 10-Q 6/30/2023 |
| 3312023 | 5102023 | 10-Q 3/31/2023 |
| 12312022 | 2082023 | 10-Q 12/31/2022 |
| 9302022 | 11232022 | 10-K 9/30/2022 |
| 6302022 | 8082022 | 10-Q 6/30/2022 |
| 3312022 | 5092022 | 10-Q 3/31/2022 |
| 12312021 | 2092022 | 10-Q 12/31/2021 |
| 9302021 | 11242021 | 10-K 9/30/2021 |
External Quote Links
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| YCharts | Perplexity Finance |
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