📊 CFFN Key Takeaways
Is Capitol Federal Financial, Inc. (CFFN) a Good Investment?
Capitol Federal Financial exhibits severe operational deterioration with revenue collapsing 95.9% year-over-year, indicating a fundamental business disruption unrelated to normal cyclical banking patterns. Despite maintaining profitability, extremely weak ROE of 1.9% and minimal ROA of 0.2% signal severe capital inefficiency, while the 0.2x interest coverage ratio suggests acute stress in the core lending business model.
Capitol Federal Financial shows weak underlying fundamentals despite remaining profitable. Net income was essentially flat and free cash flow stayed positive, but extremely low ROA and ROE, very weak interest coverage, and a sharp collapse in reported revenue point to poor earnings power and limited growth quality. The balance sheet remains adequately capitalized, but profitability is too thin to support a stronger fundamental view.
Why Buy Capitol Federal Financial, Inc. Stock? CFFN Key Strengths
- Positive net income of $20.3M with slight growth, maintaining technical profitability
- Reasonable free cash flow generation of $15.8M despite revenue collapse
- Substantial asset base of $9.8B providing operational scale
- Positive net income and operating profitability in the latest period
- Positive operating cash flow and free cash flow with low capital expenditure needs
- Solid equity base relative to total assets for a savings institution
CFFN Stock Risks: Capitol Federal Financial, Inc. Investment Risks
- Catastrophic 95.9% revenue decline indicating structural business impairment or data anomaly requiring urgent clarification
- Interest coverage ratio of 0.2x is critically low, suggesting inability to service debt from operating earnings
- Return on equity of 1.9% and return on assets of 0.2% indicate severe capital misallocation and poor asset quality
- Debt-to-equity ratio of 2.73x combined with weak interest coverage creates elevated financial distress risk
- Reported revenue fell 95.9% year over year, raising concern about earnings durability and business momentum
- Profitability is very weak with 0.2% ROA and 1.9% ROE
- Leverage is elevated and interest coverage of 0.2x suggests limited buffer against funding pressure
Key Metrics to Watch
- Net interest margin and interest income recovery trajectory
- Loan loss provisions and asset quality metrics (NPL ratios, coverage ratios)
- Interest coverage ratio improvement and debt service sustainability
- Return on equity stabilization and capital efficiency recovery
- Net interest margin and revenue stabilization
- ROA/ROE improvement alongside interest coverage
Capitol Federal Financial, Inc. (CFFN) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CFFN Profit Margin, ROE & Profitability Analysis
CFFN vs Finance Sector: How Capitol Federal Financial, Inc. Compares
How Capitol Federal Financial, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Capitol Federal Financial, Inc. Stock Overvalued? CFFN Valuation Analysis 2026
Based on fundamental analysis, Capitol Federal Financial, Inc. shows some fundamental concerns relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Capitol Federal Financial, Inc. Balance Sheet: CFFN Debt, Cash & Liquidity
CFFN Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Capitol Federal Financial, Inc.'s revenue has shown modest growth of 6% over the 5-year period. The most recent EPS of $-0.76 indicates the company is currently unprofitable.
CFFN Revenue Growth, EPS Growth & YoY Performance
CFFN Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2020 | $10.9M | $4.3M | $0.14 |
| Q2 2020 | $7.5M | $4.3M | $0.03 |
| Q1 2020 | $4.0M | $18.2M | $0.16 |
| Q3 2019 | $12.4M | $15.8M | $0.17 |
| Q2 2019 | $8.1M | $21.0M | $0.17 |
| Q1 2019 | $4.3M | $18.2M | $0.18 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Capitol Federal Financial, Inc. Dividends, Buybacks & Capital Allocation
CFFN SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Capitol Federal Financial, Inc. (CIK: 0001490906)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CFFN
What is the AI rating for CFFN?
Capitol Federal Financial, Inc. (CFFN) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (SELL) with 78% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFFN's key strengths?
Claude: Positive net income of $20.3M with slight growth, maintaining technical profitability. Reasonable free cash flow generation of $15.8M despite revenue collapse. ChatGPT: Positive net income and operating profitability in the latest period. Positive operating cash flow and free cash flow with low capital expenditure needs.
What are the risks of investing in CFFN?
Claude: Catastrophic 95.9% revenue decline indicating structural business impairment or data anomaly requiring urgent clarification. Interest coverage ratio of 0.2x is critically low, suggesting inability to service debt from operating earnings. ChatGPT: Reported revenue fell 95.9% year over year, raising concern about earnings durability and business momentum. Profitability is very weak with 0.2% ROA and 1.9% ROE.
What is CFFN's revenue and growth?
Capitol Federal Financial, Inc. reported revenue of $106.0M.
Does CFFN pay dividends?
Capitol Federal Financial, Inc. pays dividends, with $11.0M distributed to shareholders in the trailing twelve months.
Where can I find CFFN SEC filings?
Official SEC filings for Capitol Federal Financial, Inc. (CIK: 0001490906) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CFFN's EPS?
Capitol Federal Financial, Inc. has a diluted EPS of $0.16.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CFFN a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Capitol Federal Financial, Inc. has a SELL rating with 78% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CFFN stock overvalued or undervalued?
Valuation metrics for CFFN: ROE of 1.9% (sector avg: 12%), net margin of 19.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CFFN stock in 2026?
Our dual AI analysis gives Capitol Federal Financial, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CFFN's free cash flow?
Capitol Federal Financial, Inc.'s operating cash flow is $17.4M, with capital expenditures of $1.6M. FCF margin is 14.9%.
How does CFFN compare to other Finance stocks?
Vs Finance sector averages: Net margin 19.2% (avg: 25%), ROE 1.9% (avg: 12%), current ratio N/A (avg: 1.2).
Is Capitol Federal Financial, Inc. carrying too much debt?
CFFN has a debt-to-equity ratio of 2.73x, which is above the Finance sector average of 2x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.