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Capitol Federal Financial, Inc (CFFN) Fair Value & Analysis

Financial Services · US · Market cap $973M

Price$8.39
Fair Value$7.11
Upside-15.3%
Quality95/100
Evidence: High Range $5.33 – $8.89

Fair value as of: Jun 25, 2026

Analysis

Capitol Federal Financial, Inc (CFFN) currently trades at $8.39, while our model-based Fair Value estimate is $7.11 — implying the stock looks roughly 15.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 …

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Frequently asked questions

Is Capitol Federal Financial, Inc (CFFN) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $7.11 versus a price of $8.39 — about −15% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CFFN?
Our 21-model fair value for Capitol Federal Financial, Inc is $7.11 (as of Jun 25, 2026), built from audited fundamentals. The current price is $8.39.
What is the quality score of CFFN?
Capitol Federal Financial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.