Capitol Federal/$CFFN
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Capitol Federal
Capitol Federal Financial Inc is a bank holding company that operates through its wholly-owned subsidiary bank. The bank is a community-oriented financial institution that offers a variety of financial services through tens of locations. It mainly serves metropolitan areas within the state of Kansas. The bank performs traditional banking functions such as deposit-taking activities and investing that money in first-lien residential mortgages. It also participates in commercial real estate loans with other lenders, investing those funds in various securities. The vast majority of the bank's loan portfolio is in originated one- to four-family real estate loans. Its primary source of income is net interest income.
- Ticker
- $CFFN
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 641
- Headquarters
- Topeka, United States
- Website
- capfed.com
Capitol Federal Metrics
BasicAdvanced
$1B
11.97
$0.70
0.68
$0.38
4.03%
Price and volume
Market cap
$1B
Beta
0.68
52-week high
$9.26
52-week low
$5.97
Average daily volume
1.1M
Dividend rate
$0.38
Financial strength
Profitability
Net profit margin (TTM)
37.16%
Operating margin (TTM)
48.21%
Effective tax rate (TTM)
19.75%
Revenue per employee (TTM)
$360,000
Management effectiveness
Return on assets (TTM)
0.89%
Return on equity (TTM)
8.41%
Valuation
Price to earnings (TTM)
11.975
Price to revenue (TTM)
4.45
Price to book
1.02
Price to tangible book (TTM)
1.02
Dividend yield (TTM)
4.51%
Forward dividend yield
4.03%
Growth
Revenue change (TTM)
16.08%
Earnings per share change (TTM)
35.38%
3-year revenue growth (CAGR)
110.23%
3-year earnings per share growth (CAGR)
-2.55%
10-year earnings per share growth (CAGR)
1.16%
What the Analysts think about Capitol Federal
Analyst ratings (Buy, Hold, Sell) for Capitol Federal stock.
Analyst projections of the future price of Capitol Federal stock.
Bulls say / Bears say
Net interest income has risen for eight consecutive quarters, and the latest quarterly margin widened to 2.31% from 2.24%; quarterly net income also increased to $23.6 million from $18.4 million a year earlier. Continued margin repair is supporting stronger earnings. (PR Newswire)
The shift towards commercial lending is gaining traction: commercial loans grew $357 million since September 2025, while deposits rose $259 million and borrowings fell $315 million. A stronger deposit base and less wholesale borrowing may help support earnings and reduce funding costs. (PR Newswire)
Capitol Federal is returning substantial capital to shareholders, repurchasing $45.9 million of shares during the first nine months of fiscal 2026 while maintaining its quarterly dividend at $0.085 per share. Buybacks can lift per-share results if earnings hold up. (PR Newswire, Capitol Federal)
The commercial pivot is increasing exposure to property and borrower-specific credit risks: commercial loans reached 30% of the portfolio, and the company recorded a $4 million specific allowance for a nonaccrual commercial lending relationship. Faster commercial growth could make credit costs more volatile if conditions weaken. (PR Newswire, SEC)
Management expected total loans to grow only about 1% for fiscal 2026, as commercial expansion was largely offset by a $302 million decline in one- to four-family loans. That modest overall growth may limit the benefit of the faster-growing commercial book. (PR Newswire)
Higher market yields have reduced the value of the securities portfolio: available-for-sale securities were worth $783.6 million at June 2026, down from $867.2 million at September 2025, and the filing attributes unrealised losses to rising yields. Further rate moves could continue to weigh on balance-sheet values. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 17 Oct 2026.
Capitol Federal Financial Performance
Revenues and expenses
Capitol Federal Earnings Performance
Company profitability
Upcoming events
Funds containing Capitol Federal
Fund name | Fund size | $CFFN weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.05% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.05% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.04% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.04% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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