Stocktoria
Capitol Federal Financial, Inc. CFFN
Capitol Federal Financial, Inc. (CFFN) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 4.12% (safety: stretched). FY2025 revenue was $16.3M at a 417.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CFFN | Capitol Federal Financial, Inc. | 5/9 | — | 15.8 | +6.5% |
| BKU | BankUnited, Inc. | 7/9 | — | 13.3 | +7.4% |
| FCAP | FIRST CAPITAL INC | 5/9 | — | 13.5 | — |
| NFBK | Northfield Bancorp, Inc. | 5/9 | — | 786.5 | — |
| CARV | CARVER BANCORP INC | 3/9 | — | — | — |
| GBNY | Generations Bancorp NY, Inc. | 3/9 | — | — | — |
| HFBL | Home Federal Bancorp, Inc. of Louisiana | 6/9 | — | 16.5 | — |
All Finance, Insurance & Real Estate companies →
About Capitol Federal Financial, Inc.
Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company offers a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services and mortgage loan; operates a call center; and invests in various securities and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.
FAQ
Is CFFN financially healthy?
Capitol Federal Financial, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does CFFN pay a dividend, and is it safe?
Yes. Capitol Federal Financial, Inc. pays a dividend yielding about 4.12% with a 65.1% payout ratio, rated “stretched” for safety.
How profitable is CFFN?
In FY2025, Capitol Federal Financial, Inc. had a net margin of 417.3% and a return on equity of 6.5%.
Is CFFN overvalued or undervalued?
Capitol Federal Financial, Inc. trades at about 17.1× trailing earnings — below its 10-year norm (10-year range 11.6×–24.4×, median 21.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CFFN?
The average Wall-Street price target for Capitol Federal Financial, Inc. is $8.25, about 7.1% below the recent price, from 2 analysts.
Is CFFN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Capitol Federal Financial, Inc.: a Piotroski F-score of 5/9, a P/E of about 15.8×, a dividend yield of 4.12%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.