Capitol Federal Financial, Inc.: stock overview

CFFNNASDAQFinancial services · Savings Institution, Federally CharteredBank

Price

$8.41

November 13, 2026Market cap $1.1B

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  • The full history: 17 fiscal years, from FY2009
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

Sign in with a free account to see the last 5 fiscal years.

Notes on these figures

  • The latest annual figures the company filed are for 2025, more than a year ago. Newer ones may be late.

In short

Capitol Federal Financial had revenue of $229M over the last 12 months and net income of $83M, a net margin of 36.1%. Revenue fell by 0.8% a year on average over the last 5 years. At $8.41 the shares trade at a P/E of 13.4, against a median of 16.8 over the last 4 fiscal years. It pays a dividend yielding 4.04%.

From its SEC filings (latest fiscal year to September 30, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$1.1B
132M shares
P/E
13.4
Today13.4
Median16.8
Revenue, 12 months
$229M
-0.8% a year over 5 years
Net margin
36.1%
FY2025: 33.8%, above 83% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

FY2023–FY2025 fiscal years
  • FY2025Sep 30, 202510-K
    Revenue$201M
  • FY2024Sep 30, 202410-K
    Revenue$167M
  • FY2023Sep 30, 202310-K
    Revenue-$18M

Fiscal years in figures

CFFN's revenue, profit, cash flow and dividend with each year-end price, from FY2009 to FY2022, 14 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $775M
$1.1B
P/E 
13.4
P/B 3-year median: 0.8
1.1
Earnings yield 3-year median: 5.0%
7.5%

Profitability

Net margin 3-year median: 33.8%
36.1%
ROE 
8.0%

Growth

Revenue, yearly change 
+20.2%
EPS, yearly change 
+79.3%
Revenue, average a year 
-0.8%
EPS, average a year 
+2.0%

The yearly change compares FY2025 with FY2024.

Returns to shareholders

Dividend yield 3-year median: 5.8%
4.04%
Buybacks 
0.35%
Total returned 
4.39%
Shares, yearly change 
-0.7%
Valuation against its own pastEach fiscal year's P/E and P/B beside today's, and the calculator for the bank.Valuation

Bank health

Core capital (CET1) is 0.0% of risk-weighted assets, loan reserves cover the loans past due 0.5 times, and the group earned 8.0% on its common equity over the last 12 months.

  • CET1 capital is below 8%, close to the regulatory minimum.
0.0%
11%
0.62%
0.32%
0.51x
0.00%
2.31%
53%
118%
9.6%

The CAPITOL FEDERAL FINANCIAL, INC. group (Federal Reserve)

8.0%
59%
1.9x
0.2 years of dividends

Historically, in the Fed's data for US banks from 2001 to 2025, when a group paid out more than 75% of its earnings about 4 in 10 cut the dividend the next year, against about 1 in 20 of the rest. Capital (CET1) did not tell the cutters apart. It is a historical measure, not a forecast for this bank.

A year earlier (Jun 30, 2025): CET1 from 0.0% to 0.0% · Uninsured from 14% to 11% · Past due from 0.60% to 0.62% · Reserves to loans from 0.28% to 0.32%

From quarterly FDIC Call Reports for Capitol Federal Savings Bank, as of Jun 30, 2026. Group figures from FR Y-9C filings with the Federal Reserve, as of Jun 30, 2026.

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 60).

Net margin

33.8%

Above 83% of the 317 companies in its industry, and 94% of all.

ROE

6.5%

Above 25% of the 316 companies in its industry, and 48% of all.

ROA

0.7%

Above 24% of the 316 companies in its industry, and 40% of all.

Revenue growth

20.2%

Above 77% of the 313 companies in its industry, and 81% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Capitol Federal Financial, Inc.
CIK
1490906
Exchange
NASDAQ
Industry (SIC)
6035 · Savings Institution, Federally Chartered
Fiscal year ends
September 30
Latest annual report
September 30, 2025
Reporting currency
USD
Shares
132M

Other companies: Financial services

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The full analysis

What do Capitol Federal Financial's filings show?

These are Capitol Federal Financial's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about CFFN

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What is CFFN's market cap?

Capitol Federal Financial, Inc.'s market cap is $1.1B, at a price of $8.41 on November 13, 2026 and 132M shares.

What is CFFN's P/E?

CFFN's P/E is 13.4, on earnings per share of $0.65 over the last 12 months. The median over the last 4 fiscal years was 16.8.

How much revenue does CFFN have?

Capitol Federal Financial had revenue of $229M over the last 12 months. Over the last 5 years it changed by -0.8% a year on average.

Does CFFN pay a dividend?

Yes. Capitol Federal Financial paid $0.34 per share over the last 12 months, a yield of 4.04% at today's price. All the figures are in the Dividend section.

Where do the figures come from?

From Capitol Federal Financial, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.