Capitol Federal/$CFFN
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About Capitol Federal
Capitol Federal Financial Inc is a bank holding company that operates through its wholly-owned subsidiary bank, Capitol Federal Savings Bank. The bank is a community-oriented financial institution that offers a variety of financial services through tens of locations. It primarily 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
Primary listing
Employees
621
Headquarters
Website
Capitol Federal Metrics
BasicAdvanced
$837M
55.03
$0.12
0.61
$0.34
5.28%
Price and volume
Market cap
$837M
Beta
0.61
52-week high
$6.62
52-week low
$4.90
Average daily volume
708K
Dividend rate
$0.34
Financial strength
Dividend payout ratio (TTM)
72.19%
Profitability
Net profit margin (TTM)
31.83%
Operating margin (TTM)
43.39%
Effective tax rate (TTM)
22.63%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
0.64%
Return on equity (TTM)
5.93%
Valuation
Price to earnings (TTM)
55.026
Price to revenue (TTM)
17.482
Price to book
0.8
Price to tangible book (TTM)
0.8
Price to free cash flow (TTM)
33.354
Free cash flow yield (TTM)
3.00%
Free cash flow per share (TTM)
0.193
Dividend yield (TTM)
5.28%
Forward dividend yield
5.28%
Growth
Revenue change (TTM)
-604.77%
Earnings per share change (TTM)
-113.45%
3-year revenue growth (CAGR)
-3.87%
3-year earnings per share growth (CAGR)
-42.49%
10-year earnings per share growth (CAGR)
-2.08%
10-year dividend per share growth (CAGR)
-12.42%
Bulls say / Bears say
Quarterly net income rose to $18.38 million (EPS $0.14) in Q3 FY25, up from $9.65 million a year earlier, showing a 90% year-over-year surge in earnings (SEC 10-Q).
Core earning assets expanded, as loans receivable climbed to $8.02 billion and deposits grew to $6.43 billion as of June 30, 2025, supporting a stable funding base and strong revenue generation (SEC 10-Q).
The company retained a firmly well-capitalized position, with a holding company CBLR of 10.2%, a bank CBLR of 9.7%, and a risk-based Tier 1 capital ratio of 16.2% as of June 30, 2025 (SEC 10-Q).
Non‐interest expenses rose 8.8% quarter-over-quarter to $29.54 million in Q2 FY25, mainly due to higher salaries, IT costs, and regulatory service fees, pressuring the bank’s efficiency ratio and offsetting gains in net interest margin (GuruFocus).
Allowance for credit losses stood at $22.8 million against $8.02 billion in loans receivable as of June 30, 2025, representing just a 0.28% coverage ratio, with limited buffer for potential credit deterioration in its concentrated mortgage book (SEC 10-Q).
Available-for-sale securities recorded $0.66 million in gross unrealized losses during Q3 FY25 due to significant purchases, which reduced liquidity and exposed the bank to volatility in market yields (SEC 10-Q).
Data summarised monthly by Lightyear AI. Last updated on 8 Oct 2025.
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FAQs
What’s the current market cap for Capitol Federal stock?
Capitol Federal (CFFN) has a market cap of $837M as of October 27, 2025.
What is the P/E ratio for Capitol Federal stock?
The price to earnings (P/E) ratio for Capitol Federal (CFFN) stock is 55.03 as of October 27, 2025.
Does Capitol Federal stock pay dividends?
Yes, the Capitol Federal (CFFN) stock pays dividends to shareholders. As of October 27, 2025, the dividend rate is $0.34 and the yield is 5.28%. Capitol Federal has a payout ratio of 72.19% on a trailing twelve-month basis.
When is the next Capitol Federal dividend payment date?
The next Capitol Federal (CFFN) dividend payment date is unconfirmed.
What is the beta indicator for Capitol Federal?
Capitol Federal (CFFN) has a beta rating of 0.61. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.