Capitol Federal/$CFFN
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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
$1.1B
13.64
$0.65
0.66
$0.38
3.84%
Price and volume
Market cap
$1.1B
Beta
0.66
52-week high
$9.26
52-week low
$5.97
Average daily volume
778K
Dividend rate
$0.38
Financial strength
Dividend payout ratio (TTM)
58.62%
Profitability
Net profit margin (TTM)
36.70%
Operating margin (TTM)
47.42%
Effective tax rate (TTM)
19.24%
Revenue per employee (TTM)
$350,000
Management effectiveness
Return on assets (TTM)
0.86%
Return on equity (TTM)
8.01%
Valuation
Price to earnings (TTM)
13.643
Price to revenue (TTM)
5.001
Price to book
1.07
Price to tangible book (TTM)
1.07
Price to free cash flow (TTM)
15.777
Free cash flow yield (TTM)
6.34%
Free cash flow per share (TTM)
0.562
Dividend yield (TTM)
4.29%
Forward dividend yield
3.84%
Growth
Revenue change (TTM)
17.25%
Earnings per share change (TTM)
38.13%
3-year revenue growth (CAGR)
6.37%
3-year earnings per share growth (CAGR)
15.12%
10-year earnings per share growth (CAGR)
0.59%
Bulls say / Bears say
Capitol Federal's net interest margin expanded by seven basis points to 2.31% in Q3 2026, driven by a decrease in borrowings and growth in higher-yield commercial loans. (SEC Form 10-Q Q3)
Net income rose to $23.6 million in Q3 2026 from $20.1 million in Q2 2026, demonstrating solid earnings momentum and operational leverage. (SEC Form 10-Q Q3)
Between April 1 and July 23, 2026, Capitol Federal repurchased 1,985,308 shares at an average cost of $7.78 while maintaining its quarterly dividend of $0.085 per share, underscoring a strong capital return strategy. (PR Newswire)
Capitol Federal's net interest margin of 2.31% in Q3 2026 lags the industry average of 3.31% reported in the FDIC's Q1 2026 Quarterly Banking Profile, constraining its net interest income potential. (FDIC)
Approximately 70.6% of Capitol Federal's loan portfolio is concentrated in one- to four-family mortgages as of December 31, 2025, heightening its vulnerability to a housing market downturn. (SEC Form 10-Q Q1)
The bank's operations are concentrated across 46 branch locations in Kansas and Missouri, limiting geographic diversification and exposing earnings to regional economic fluctuations. (PR Newswire)
Data summarised monthly by Lightyear AI. Last updated on 24 Aug 2026.
Upcoming events
No upcoming events
Funds containing Capitol Federal
AllUSDGBPEUR
Fund name | Fund size | $CFFN weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.06% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.06% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.04% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.02% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 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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