Capitol Federal Financial Inc. Common Stock (CFFN)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I see Capitol Federal as a simple regional thrift: 604 employees, retail deposits, and one-to-four-family residential real estate loans. Banking is a commodity business, so I look for cost discipline, credit safety, and a price that compensates for the risk. FairStock calculates return on equity of 8.01% and ROCE of 0.86%, which is a modest business, not a high-return franchise. The recovery is the main attraction. The company lost $101.7M, or $0.76 per diluted share, in fiscal 2023. It earned $38.0M, or $0.29 per diluted share, in fiscal 2024, and $68.0M, or $0.52 per diluted share, in fiscal 2025. In fiscal Q3 2026, the quarter ended 2026-06-30, net income was $23.6M and diluted EPS was $0.19, versus net income of $18.4M and diluted EPS of $0.14 in fiscal Q3 2025, the quarter ended 2025-06-30. That is genuine progress, and FairStock labels it a TURNAROUND because it returned to profit after a loss within the last three years. At the 2026-10-13 close of $8.26, FairStock calculates a P/E of 12.71, P/B of 1.00, dividend yield of 4.12%, beta of 0.68, and PEG of 0.45. Price-to-book of 1.00 is not a bargain for an 8% ROE, but it is not demanding either. FairStock's Piotroski F-Score is 6/9. Missing are bank-specific measures such as CET1, net interest margin, loan-loss reserves, charge-offs and nonperforming assets; combined ratio is also not in the data. Without those, I cannot judge credit or capital risk. This is a recovery story with a decent dividend and a fair-looking price, not a classic Graham bargain.

In plain English: Capitol Federal Financial is a bank holding company that takes deposits and makes loans, mostly home loans. It had a large loss three years ago but has been profitable again recently. At $8.26, the stock looks roughly fair against its profits and book value and it pays a solid dividend, but the bank's profitability is modest and key safety details are missing.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-06-30) · fiscal Q2 2026 10-Q (period ended 2026-03-31) · fiscal Q1 2026 10-Q (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-09-30) · FY2024 10-K (period ended 2024-09-30) · FY2023 10-K (period ended 2023-09-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer