Is Capitol Federal Financial (CFFN) overvalued or fairly valued?

MarketChacha shows Capitol Federal Financial's valuation in context — a trailing P/E of about 13.5, a forward P/E of about 11.3, a price-to-book of about 1.1 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Capitol Federal Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (30.57×) from reported figures — education, not a rating.

What is Capitol Federal Financial's revenue?

Capitol Federal Financial reported revenue of $16.3M for FY2025, with net profit of $68.0M, per official filings.

What is the share price of Capitol Federal Financial (CFFN)?

Capitol Federal Financial last traded at $8.77 (-1.2% on the day), as of 8/10/2026 — a delayed quote shown for education, not investment advice.

Capitol Federal Financial

CFFN · NYSE · Financials · United States

Snapshot

TickerCFFN

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees604

HeadquartersTopeka, United States

Websitecapfed.com

Filings tracked16

About Capitol Federal Financial

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 offers a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts. 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 savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services and mortgage loan; operates a call center; and invests in various securities and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

Who owns it

Insiders8.2%
Institutions82.5%
Public & other9.3%

335 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.14%
Dimensional Fund Advisors LP5.36%
Vanguard Portfolio Management LLC5.28%
Holdco Asset Management, LP5.10%
State Street Corporation5.04%
Vanguard Capital Management LLC4.09%
Renaissance Technologies, LLC3.29%
AQR Capital Management, LLC2.99%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Latest ROE of 6.5% is on the low side — the business earns a modest return on shareholder capital.

Cash conversion30.57×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend-577.6% → 417.3%

Margin has expanded by about 994.9 points — the business is getting more profitable.

Return on equity6.5%

Latest ROE of 6.5% is on the low side — the business earns a modest return on shareholder capital.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $61.9M · EPS 0.19

Est. earnings growth +18.8%

Next fiscal year

Rev $250.7M · EPS 0.78

Est. earnings growth +13.1%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$16.3M

Net margin

417.3%

ROE

6.5%

Revenue CAGR (2y)

-3.8%

EPS (FY2025)

0.52

Net profit (FY2025)

$68.0M

Ask MarketChacha about CFFN

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$16.3M	$68.0M	0.52	417.3%	6.5%
FY2024	$15.3M	$38.0M	0.29	248.4%	3.7%
FY2023	$17.6M	$-101.7M	-0.76	-577.6%	-9.7%

Quarterly

Period	Net profit	EPS
2026Q2	$23.6M	0.19
2026Q1	$20.1M	0.16
2025Q4	$20.3M	0.16
2025Q2	$18.4M	0.14
2025Q1	$15.4M	0.12
2024Q4	$15.4M	0.12
2024Q2	$9.6M	0.07
2024Q1	$13.8M	0.11
2023Q4	$2.5M	0.02
2023Q2	$8.3M	0.06
2023Q1	$14.2M	0.11

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q — JUNE 30, 2026 FORM 10-Q
SEC8/7/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/29/2026material
10-Q — MARCH 31, 2026 FORM 10-Q
SEC5/8/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/29/2026material
10-Q — DECEMBER 31, 2025 FORM 10-Q
SEC2/6/2026
8-K/A — Executive/director change
SEC2/2/2026
8-K — Shareholder vote results, Reg FD disclosure, Exhibits
SEC1/29/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC1/28/2026material
8-K — Reg FD disclosure, Exhibits
SEC1/23/2026material

2025

8-K — Reg FD disclosure, Exhibits
SEC12/17/2025material
10-K — CFFN FISCAL YEAR 2025 10-K
SEC11/26/2025
8-K/A — Exhibits
SEC11/25/2025
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/29/2025material
8-K — Other events, Exhibits
SEC10/17/2025material
8-K — Executive/director change, Exhibits
SEC9/25/2025material
10-Q — JUNE 30, 2025 FORM 10-Q
SEC8/8/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.