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0.78%
Capitol federal financial, inc.
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
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 accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. 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 saving deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 54 branches, including 45 traditional branches and nine in-store branches located in nine counties throughout Kansas and two counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Capitol federal financial, inc. (CFFN) covers the period of 2026Q1 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CFFN's short-term business performance and financial health. For the latest updates on CFFN's earnings releases, visit this page regularly.
According to historical valuation range analysis, Capitol federal financial, inc. (CFFN)'s current price-to-earnings (P/E) ratio is 13.54, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Capitol federal financial, inc. (CFFN) reported an Operating Profit of 25.21M with an Operating Margin of 45.28% this period, representing a growth of 32.02% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Capitol federal financial, inc. (CFFN) announced revenue of 55.69M, with a Year-Over-Year growth rate of 20.42%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
As of the end of the reporting period, Capitol federal financial, inc. (CFFN) had total debt of 1.86B, with a debt ratio of 0.19. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
At the end of the period, Capitol federal financial, inc. (CFFN) held Total Cash and Cash Equivalents of 232.63M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Capitol federal financial, inc. (CFFN) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 45.28%%, and net margin of 36.5%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CFFN's profit trajectory and future growth potential.
According to the past four quarterly reports, Capitol federal financial, inc. (CFFN)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.16. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Capitol federal financial, inc. (CFFN)'s Free Cash Flow (FCF) for the period is 15.84M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 255.36% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Capitol federal financial, inc. (CFFN) has a Price-To-Earnings (PE) ratio of 13.54 and a Price/Earnings-To-Growth (PEG) ratio of 0.76. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.