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Capitol Federal Financial, Inc. CFFN | NASDAQ

$8.34 -$0.03 | -0.36%

SIGNAL:

|2026-09-29 |F&G 32 |RSI 31.0

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Company Overview:

Market Cap: $1.04B

Trailing PE: 12.8x

FWD PE *: 11x

Payout Ratio (TTM): 58.6%

52-Week Range: $5.97 - $9.26

* Forward PE is based on street estimates.

7.2 Year CFFN Performance Metrics:

Total Return (with DRIP): -4.7% (-0.66% CAGR)

Total Return (no DRIP): -9.4% (-1.36% CAGR)

Share Price: -39.1% (-6.66% CAGR)

Yield on Cost (with DRIP): 3.89%

Total Invested: $10,000

Total Value (with DRIP): $9,531

Total Return $ (with DRIP): -$469

Dividend Increase: 0.0% (0.00% CAGR)

Dividend Yield (FWD): 4.08% ($0.34)

CFFN 7.2-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

CFFN Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

CFFN Price CAGR:1Y: 31.34%2Y: 19.50%5Y: -6.21%10Y: -6.65%

CFFN Dividend Charts

CFFN - Dividends

CFFN Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

CFFN - Dividend Payout Ratio

CFFN Dividend Payout Ratio CAGR:1Y: -25.54%2Y: -37.43%5Y: -34.13%10Y: -14.59%

CFFN - Dividend to Free Cash Flow Ratio

CFFN Dividend to FCF Ratio CAGR:1Y: -49.49%2Y: -12.11%5Y: -33.72%10Y: -15.73%

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CFFN Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

CFFN - Revenue

CFFN Revenue CAGR:1Y: 0.83%2Y: 3.06%5Y: 15.79%10Y: 7.02%

CFFN - Earnings Per Share (EPS)

CFFN EPS CAGR:1Y: 35.71%2Y: 64.75%5Y: 7.89%10Y: 2.39%

CFFN - Net Income

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CFFN Net Income CAGR:1Y: 28.22%2Y: 56.30%5Y: 5.32%10Y: 1.38%

CFFN - EBITDA

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CFFN EBITDA CAGR:1Y: 31.93%2Y: 32.01%5Y: 0.00%10Y: 0.00%

CFFN - Free Cash Flow

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CFFN Free Cash Flow CAGR:1Y: 89.03%2Y: 11.27%5Y: 4.68%10Y: 2.75%

CFFN - Free Cash Flow / Share

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CFFN Free Cash Flow / Share CAGR:1Y: 98.20%2Y: 13.87%5Y: 6.55%10Y: 3.49%

CFFN - Operating Income

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CFFN Operating Income CAGR:1Y: 4.35%2Y: 20.25%5Y: -0.83%10Y: -3.47%

CFFN - Gross Profit

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CFFN Gross Profit CAGR:1Y: 5.94%2Y: 11.74%5Y: 0.00%10Y: 0.00%

CFFN - Shares Outstanding

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CFFN Shares Outstanding CAGR:1Y: -4.63%2Y: -2.28%5Y: -2.37%10Y: -0.99%

CFFN - Share Buybacks

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CFFN Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 576.85%10Y: 0.00%

CFFN - Stock-Based Comp

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CFFN Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

CFFN - Expenses

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CFFN Expenses CAGR:1Y: 77.22%2Y: 4.28%5Y: -1.48%10Y: 0.19%

CFFN - Revenue vs Net Income

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CFFN - EPS vs FCF / Share

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CFFN - EPS vs PE Ratio

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CFFN - FCF vs FCF / Share

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CFFN - FCF vs Stock Based Comp

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CFFN - Cash & Debt

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CFFN - Revenue by Segment

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CFFN Revenue CAGR:1Y: 0.83%2Y: 3.06%5Y: 15.79%10Y: 7.02%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

CFFN - REVENUE: Actual + Estimates

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CFFN Actual Revenue CAGR:1Y: 0.83%2Y: 3.06%5Y: 15.79%10Y: 7.02%

CFFN - EPS: Actual + Estimates

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CFFN Actual EPS CAGR:1Y: 35.71%2Y: 64.75%5Y: 7.89%10Y: 2.39%

CFFN - NET INCOME: Actual + Estimates

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CFFN Actual Net Income CAGR:1Y: 28.22%2Y: 56.30%5Y: 5.32%10Y: 1.38%

CFFN - EBITDA: Actual + Estimates

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CFFN Actual EBITDA CAGR:1Y: 31.93%2Y: 32.01%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

CFFN - Net Profit Margin

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CFFN Net Profit Margin CAGR:1Y: 27.17%2Y: 52.19%5Y: -9.05%10Y: -5.27%

CFFN - Gross Profit Margin

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CFFN Gross Profit Margin CAGR:1Y: 5.08%2Y: 8.83%5Y: -12.64%10Y: -6.53%

CFFN - Price to Earnings

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CFFN Price to Earnings CAGR:1Y: 2.80%2Y: -22.01%5Y: -12.59%10Y: -6.79%

CFFN - Price To Sales Ratio

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CFFN Price To Sales Ratio CAGR:1Y: 31.95%2Y: 18.70%5Y: -20.50%10Y: -11.70%

CFFN - Return on Capital Employed

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CFFN Return on Capital Employed CAGR:1Y: -64.31%2Y: -27.43%5Y: -10.66%10Y: -3.81%

CFFN - Return on Invested Capital

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CFFN Return on Invested Capital CAGR:1Y: -61.63%2Y: -11.77%5Y: -21.48%10Y: -9.98%

CFFN Dividends Info:

Annual Dividend: $0.34

Forward Yield: 4.08%

Ex-Dividend Date: 2026-08-07

Lifetime Dividends / Share: $20.22

CFFN Dividend History: Dates, Payments & Yield list

Below is a schedule of all CFFN dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/07/2026	08/21/2026	$0.085	3.83%	3.99%	$8.53
05/01/2026	05/15/2026	$0.085	4.43%	4.52%	$7.52
02/06/2026	02/20/2026	$0.085	4.47%	4.43%	$7.68
01/09/2026	01/23/2026	$0.040	2.39%	2.37%	$6.75
11/07/2025	11/21/2025	$0.085	5.48%	5.3%	$6.42
08/01/2025	08/15/2025	$0.085	5.93%	5.58%	$6.09
05/02/2025	05/16/2025	$0.085	5.87%	5.79%	$5.87
02/07/2025	02/21/2025	$0.085	5.66%	5.78%	$5.88
11/01/2024	11/15/2024	$0.085	5.33%	4.97%	$6.84
08/02/2024	08/16/2024	$0.085	5.9%	5.8%	$5.86
08/01/2024	08/16/2024	$0.085	5.67%	5.8%	$5.86
05/02/2024	05/17/2024	$0.085	6.68%	6.44%	$5.28
02/01/2024	02/16/2024	$0.085	5.36%	5.77%	$5.89
11/02/2023	11/17/2023	$0.085	6.38%	6.4%	$5.31
08/03/2023	08/18/2023	$0.085	5.31%	5.47%	$6.22
05/04/2023	05/19/2023	$0.085	6.14%	5.85%	$5.81
02/02/2023	02/17/2023	$0.085	3.92%	3.97%	$8.57
11/17/2022	12/02/2022	$0.280	14.02%	13.27%	$8.44
11/03/2022	11/18/2022	$0.085	4.36%	4.17%	$8.16
08/04/2022	08/19/2022	$0.085	3.49%	3.43%	$9.91
06/09/2022	06/24/2022	$0.200	8.51%	8.48%	$9.43
05/05/2022	05/20/2022	$0.085	3.58%	3.47%	$9.79
02/03/2022	02/18/2022	$0.085	3.13%	3.05%	$11.14
11/18/2021	12/03/2021	$0.220	7.39%	7.66%	$11.49
11/04/2021	11/19/2021	$0.085	2.78%	2.85%	$11.95
08/05/2021	08/20/2021	$0.085	3.1%	2.95%	$11.51
06/10/2021	06/25/2021	$0.400	13.02%	13.05%	$12.26
05/06/2021	05/21/2021	$0.085	2.58%	2.56%	$13.27
02/04/2021	02/19/2021	$0.085	2.68%	2.61%	$13.02
11/19/2020	12/04/2020	$0.130	4.09%	4.2%	$12.38
11/05/2020	11/20/2020	$0.085	3%	2.68%	$12.70
08/06/2020	08/21/2020	$0.085	3.43%	3.62%	$9.38
04/30/2020	05/15/2020	$0.085	2.84%	3.1%	$10.98
02/06/2020	02/21/2020	$0.085	2.58%	2.55%	$13.35
11/21/2019	12/06/2019	$0.340	9.79%	9.7%	$14.02
10/31/2019	11/15/2019	$0.085	2.38%	2.39%	$14.25
08/01/2019	08/16/2019	$0.085	2.59%	2.53%	$13.46
06/13/2019	06/28/2019	$0.250	0%	7.3%	$13.70
05/02/2019	05/17/2019	$0.085	0%	2.48%	$13.70
01/31/2019	02/15/2019	$0.085	0%	2.48%	$13.70
11/15/2018	11/30/2018	$0.390	0%	11.39%	$13.70
11/01/2018	11/16/2018	$0.085	0%	2.48%	$13.70
08/02/2018	08/17/2018	$0.085	0%	2.48%	$13.70
06/14/2018	06/29/2018	$0.250	0%	7.3%	$13.70
05/03/2018	05/18/2018	$0.085	0%	2.48%	$13.70
02/01/2018	02/16/2018	$0.085	0%	2.48%	$13.70
11/16/2017	12/01/2017	$0.290	0%	8.47%	$13.70
11/02/2017	11/17/2017	$0.085	0%	2.48%	$13.70
08/02/2017	08/18/2017	$0.085	0%	2.48%	$13.70
06/14/2017	06/30/2017	$0.250	0%	7.3%	$13.70
05/03/2017	05/19/2017	$0.085	0%	2.48%	$13.70
02/01/2017	02/17/2017	$0.085	0%	2.48%	$13.70
11/16/2016	12/02/2016	$0.290	0%	8.47%	$13.70
11/02/2016	11/18/2016	$0.085	0%	2.48%	$13.70
08/03/2016	08/19/2016	$0.085	0%	2.48%	$13.70
06/08/2016	06/24/2016	$0.250	0%	7.3%	$13.70
05/04/2016	05/20/2016	$0.085	0%	2.48%	$13.70
02/03/2016	02/19/2016	$0.085	0%	2.48%	$13.70
11/18/2015	12/04/2015	$0.250	0%	7.3%	$13.70
11/04/2015	11/20/2015	$0.085	0%	2.48%	$13.70
08/05/2015	08/21/2015	$0.085	0%	2.48%	$13.70
06/10/2015	06/26/2015	$0.250	0%	7.3%	$13.70
04/29/2015	05/15/2015	$0.085	0%	2.48%	$13.70
02/04/2015	02/20/2015	$0.085	0%	2.48%	$13.70
11/19/2014	12/05/2014	$0.260	0%	7.59%	$13.70
11/05/2014	11/21/2014	$0.075	0%	2.19%	$13.70
07/30/2014	08/15/2014	$0.075	0%	6.57%	$13.70
06/10/2014	06/27/2014	$0.250	0%	7.3%	$13.70
04/30/2014	05/16/2014	$0.075	0%	2.19%	$13.70
02/05/2014	02/21/2014	$0.075	0%	2.19%	$13.70
12/18/2013	12/27/2013	$0.250	0%	7.3%	$13.70
11/20/2013	12/06/2013	$0.180	0%	5.26%	$13.70
10/30/2013	11/15/2013	$0.075	0%	2.19%	$13.70
07/31/2013	08/16/2013	$0.075	0%	2.19%	$13.70
05/01/2013	05/17/2013	$0.075	0%	2.19%	$13.70
01/30/2013	02/15/2013	$0.075	0%	2.19%	$13.70
11/20/2012	12/28/2012	$0.180	0%	5.26%	$13.70
10/31/2012	11/16/2012	$0.075	0%	2.19%	$13.70
08/01/2012	08/17/2012	$0.075	0%	2.19%	$13.70
05/02/2012	05/18/2012	$0.075	0%	2.19%	$13.70
02/01/2012	02/17/2012	$0.075	0%	2.19%	$13.70
11/16/2011	12/02/2011	$0.100	0%	2.92%	$13.70
11/02/2011	11/18/2011	$0.075	0%	2.19%	$13.70
08/03/2011	08/19/2011	$0.075	0%	2.19%	$13.70
05/04/2011	05/20/2011	$0.075	0%	2.19%	$13.70
03/09/2011	03/25/2011	$0.600	0%	17.52%	$13.70
02/02/2011	02/18/2011	$0.075	0%	2.19%	$13.70
10/27/2010	11/05/2010	$0.353	0%	10.32%	$13.70
07/21/2010	08/06/2010	$0.221	0%	6.45%	$13.70
05/05/2010	05/21/2010	$0.221	0%	6.45%	$13.70
02/03/2010	02/19/2010	$0.221	0%	6.45%	$13.70
11/18/2009	12/04/2009	$0.128	0%	3.74%	$13.70
11/04/2009	11/20/2009	$0.221	0%	6.45%	$13.70
08/05/2009	08/21/2009	$0.221	0%	6.45%	$13.70
04/29/2009	05/15/2009	$0.221	0%	6.45%	$13.70
02/04/2009	02/20/2009	$0.221	0%	6.45%	$13.70
11/19/2008	12/05/2008	$0.049	0%	1.42%	$13.70
11/05/2008	11/21/2008	$0.221	0%	6.45%	$13.70
07/30/2008	08/15/2008	$0.221	0%	6.45%	$13.70
04/30/2008	05/16/2008	$0.221	0%	6.45%	$13.70
01/30/2008	02/15/2008	$0.221	0%	6.45%	$13.70
10/31/2007	11/16/2007	$0.221	0%	6.45%	$13.70
08/01/2007	08/17/2007	$0.221	0%	6.45%	$13.70
05/02/2007	05/18/2007	$0.221	0%	6.45%	$13.70
01/31/2007	02/16/2007	$0.221	0%	6.45%	$13.70
11/15/2006	12/01/2006	$0.040	0%	1.16%	$13.70
11/01/2006	11/17/2006	$0.221	0%	6.45%	$13.70
08/02/2006	08/18/2006	$0.221	0%	6.45%	$13.70
05/03/2006	05/19/2006	$0.221	0%	6.45%	$13.70
02/01/2006	02/17/2006	$0.221	0%	6.45%	$13.70
11/16/2005	12/02/2005	$0.133	0%	3.87%	$13.70
11/02/2005	11/18/2005	$0.221	0%	6.45%	$13.70
08/03/2005	08/19/2005	$0.221	0%	6.45%	$13.70
05/04/2005	05/20/2005	$0.221	0%	6.45%	$13.70
02/02/2005	02/18/2005	$0.221	0%	6.45%	$13.70
11/03/2004	11/19/2004	$0.221	0%	6.45%	$13.70
08/04/2004	08/20/2004	$0.221	0%	6.45%	$13.70
05/05/2004	05/21/2004	$0.221	0%	6.45%	$13.70
02/04/2004	02/20/2004	$0.221	0%	6.45%	$13.70
11/19/2003	12/05/2003	$0.358	0%	10.45%	$13.70
11/05/2003	11/21/2003	$0.221	0%	6.45%	$13.70
07/30/2003	08/15/2003	$0.106	0%	3.1%	$13.70
04/30/2003	05/16/2003	$0.102	0%	2.97%	$13.70
02/05/2003	02/21/2003	$0.097	0%	2.84%	$13.70
11/20/2002	12/06/2002	$0.539	0%	15.74%	$13.70
10/30/2002	11/15/2002	$0.093	0%	2.71%	$13.70
07/31/2002	08/16/2002	$0.088	0%	2.58%	$13.70
05/01/2002	05/17/2002	$0.084	0%	2.45%	$13.70
01/30/2002	02/15/2002	$0.080	0%	2.32%	$13.70
10/31/2001	11/16/2001	$0.075	0%	2.19%	$13.70
08/01/2001	08/17/2001	$0.071	0%	2.06%	$13.70
05/02/2001	05/18/2001	$0.066	0%	1.93%	$13.70
01/31/2001	02/16/2001	$0.062	0%	1.81%	$13.70
11/01/2000	11/17/2000	$0.053	0%	1.55%	$13.70
08/02/2000	08/18/2000	$0.053	0%	1.55%	$13.70
05/03/2000	05/19/2000	$0.049	0%	1.42%	$13.70
02/02/2000	02/18/2000	$0.049	0%	1.42%	$13.70
11/03/1999	11/19/1999	$0.044	0%	1.29%	$13.70
08/04/1999	08/20/1999	$0.044	0%	1.29%	$13.70
05/03/1999	05/21/1999	$0.044	0%	1.29%	$13.70

Projected Future Returns & Dividends for CFFN

Based on past 7.2-year performance, here are CFFN growth metrics:

Share price CAGR of -6.66%
Dividend CAGR of +0%

Using CFFN CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	CFFN (DRIP)	CFFN - No DRIP
Current Price	$8.34	$8.34
Start Shares	1,199.04	1,199.04
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	1,798.82	1,199.04
Dividends Payment	$0.04	$0.04
Annual Dividends	$307	$205
Yield on cost	3.07%	2.05%
Share Price	$4.19	$4.19
Total Dividends	$3,655	$3,048
Final Value	$7,530	$8,067

Estimated Future Value + Dividends - CFFN

NOTE: Above numbers are our estimate based on CFFN's Dividend and Price CAGR over past 7.2 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Capitol Federal Financial, Inc. (CFFN) had its IPO on 1999-04-01, and is traded on NASDAQ stock exchange.

Capitol Federal Financial, Inc. acts as the parent company for Capitol Federal Savings Bank, offering a comprehensive suite of retail banking services. The bank provides diverse deposit products, including savings, money market, interest-bearing and standard checking accounts, as well as certificates of deposit. Its lending portfolio is equally broad, featuring mortgages for one-to-four-family residences, commercial real estate, commercial and industrial, and construction loans. Additionally, consumer credit options are available, such as home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. Beyond these, the institution delivers modern banking conveniences through mobile, telephone, and online platforms, alongside bill payment services, and operates a customer call center. It also engages in strategic securities investments. The bank's physical presence includes 54 branches—45 traditional and 9 in-store locations—spanning nine counties in Kansas and two in Missouri. Key service areas encompass the metropolitan regions of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina in Kansas, plus a segment of the broader Kansas City metropolitan area. Capitol Federal Financial, Inc., founded in 1893, is headquartered in Topeka, Kansas.

CFFN website: https://capfed.com

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DCF Model — CFFN

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $8.34

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →