Capitol Federal Financial Inc (CFFN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Capitol Federal Financial Inc stock $7.36, price $8.43, that is 12.7% below the price, quality 61 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Capitol Federal Financial Inc
CFFN · USOur calculation puts a fair price 13% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $3.58 – $9.28 · fair‑value band $6.92 – $8.41 · the $8.43 price screens above the $7.36 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Company profile
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.
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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.
Stock analysis
Capitol Federal Financial Inc (CFFN) currently trades at $8.43, while our model-based Fair Value estimate is $7.36, 13% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $9.35 per share, and 2 of the 6 models we run sit above the $8.43 price.
Bear case: the Dividend Discount group reads lowest at $3.96, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $6.92 (bear) to $8.41 (bull), the price of $8.43 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Capitol Federal Financial Inc reported revenue of $446M in FY2026 versus $300M in FY2022, a compound +10.4%/yr. Reported net income was $86.4M in FY2026, compounding +0.6%/yr from FY2022.
Key figures
Market cap $1.0B Small · P/E ratio 13.2 · P/S ratio 4.63 · EPS (TTM) $0.6400 · Dividend yield 4.0% · Net margin 36.7% · Return on equity 8.0% · Return on assets (EBIT) 0.3% (4-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −13%, CFFN screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
CFFN screens overvalued: fair value 13% below the price. Compare with China Merchants Bank Co →
Recent news
- Capitol Federal Financial (CFFN) Has A Fresh Update, But What Is Drawing Attention?
- Did Earnings And Dividend Stability Just Shift Capitol Federal Financial's (CFFN) Investment Narrative?
- Capitol Federal Financial (CFFN) Stock Looks Expensive On Its 78% Run
- CAPITOL FEDERAL FINANCIAL, INC.® ANNOUNCES QUARTERLY DIVIDEND AND STOCK BUYBACK UPDATE
Compare Capitol Federal Financial Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CFFN |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CFFN |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CFFN |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CFFN |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CFFN |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CFFN |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs CFFN |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CFFN |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CFFN |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CFFN |
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Frequently asked questions
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Key figures of Capitol Federal Financial Inc
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