CFFN
Capitol Federal Financial, Inc.Financial Services·Banks - Regional
$7.77
$985M market cap
Revenue
$329.9M
Free Cash Flow
$55.9M
Rev Growth
+0.0%
FCF Margin
16.9%
P/FCF
17.6x
EV/FCF
47.9x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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 accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, c
2-Year Price History
$7.75+69.2%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q2 | 110.0 | 23.3 | 25.1 | 20.2 | 21.5 | 20.1 | -1.3 | 16.3 | 1,707 | 126.6 | 4.0% | 0.5x | -- |
| Act | 2026-Q1 | 110.8 | 27.0 | 25.2 | 20.3 | 17.4 | 15.8 | -1.6 | 1,062 | 1,830 | 129.0 | 3.8% | 0.5x | -- |
| Act | 2025-Q4 | 109.2 | 24.9 | 23.0 | 18.8 | 21.5 | 19.9 | -1.7 | 1,120 | 1,951 | 130.0 | 3.3% | 0.5x | -- |
Valuation & Metrics
Market Stats
Price$7.77
Market Cap$985M
Enterprise Value$2.7B
P/S Ratio3.0x
P/FCF17.6x
EV/FCF47.9x
FCF Margin (TTM)16.9%
FCF Yield5.7%
Dividend Yield (TTM)6.0%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$329.9M
Net Income$59.3M
Free Cash Flow$55.9M
Revenue Growth (YoY)+0.0%
EBITDA Margin22.8%
Net Margin18.0%
FCF Margin16.9%
CapEx % of Revenue1.4%
SBC % of Revenue0.1%
ROIC3.7%
WC Change % Rev0.0%
Interest Coverage0.5x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares5.9M
Days to Cover5.3
Change (vs Prior)+14.0%
Need at least 2 settlement dates for chart
Employees
Headcount583
Revenue / Employee$565,949
Gross Profit / Employee$280,830
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
38.4%(+8.2% YoY)
233 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
34.9%(+7.6% YoY)
12 filers
Vanguard, iShares, SPDR
Market makers
0.2%(-0.1% YoY)
6 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $130M | $5.32 | −$1.9M | −$5.8M | -0.2% | $5.69T |
| DIMENSIONAL FUND ADVISORS LPPassive | $48.4M | $5.97 | +$1.9M | +$5.6M | -0.4% | $480.92B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $47.7M | $7.06 | +$47.2M | +$47.7M | — | $1.91T |
| HoldCo Asset Management, LP | $46.1M | $5.78 | +$0 | +$46.1M | -1.0% | $1.34B |
| STATE STREET CORPPassive | $43.3M | $5.83 | +$2.1M | +$1.7M | -0.2% | $2.89T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $37.0M | $7.06 | +$36.6M | +$37.0M | — | $4.04T |
| RENAISSANCE TECHNOLOGIES LLC | $29.7M | $5.69 | −$198K | −$4.7M | +1.2% | $63.91B |
| AQR CAPITAL MANAGEMENT LLC | $27.0M | $5.74 | −$355K | +$14.7M | -0.2% | $218.19B |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $23.3M | $5.72 | +$2.2M | +$8.0M | +0.1% | $184.72B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $22.0M | $5.94 | +$572K | +$1.0M | +2.3% | $1.61T |
| Invesco Ltd. | $14.2M | $5.89 | +$4.1M | +$1.0M | -0.2% | $652.04B |
| MORGAN STANLEY | $13.4M | $5.60 | −$961K | −$3.6M | -0.3% | $1.65T |
| TWO SIGMA INVESTMENTS, LP | $13.4M | $6.16 | +$6.2M | +$6.4M | -0.9% | $117.03B |
| GOLDMAN SACHS GROUP INC | $13.2M | $5.13 | +$671K | −$4.2M | -0.2% | $760.93B |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $13.0M | $5.62 | −$1.4M | −$1.8M | -0.1% | $31.89B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $12.5M | $5.84 | −$293K | +$3.2M | +0.7% | $645.81B |
| AMERICAN CENTURY COMPANIES INC | $12.2M | $6.84 | −$12.2M | −$11.0M | +0.7% | $193.48B |
| CRAMER ROSENTHAL MCGLYNN LLC | $10.2M | $5.24 | −$292K | −$1.4M | +0.9% | $1.36B |
| NORTHERN TRUST CORPPassive | $9.3M | $5.76 | +$249K | −$488K | -0.2% | $755.34B |
| Bank of New York Mellon Corp | $8.3M | $6.68 | −$273K | −$793K | -0.2% | $543.21B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-0.06%
avg per quarter
Holders (ex-self)
-0.07%
excl. this stock
Buyers (this Q)
-0.18%
107 buyers · $0.15B in
Sellers (this Q)
+0.33%
87 sellers · $0.01B out
alpha coverage: 87% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+10.6%
how holders react when this stock falls
On quiet Qs
-0.4%
−10% to +10% baseline
On rallies (+10%+)
-0.4%
how they react when this stock rises
Holders' portfolio flow this Q
+3.8%
inflows — adds are organic
Sellers' portfolio flow this Q
-0.3%
Sellers' overall flow ~ flat.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-4.2%
Holder mid (any stock)
-5.6%
Holder rally (any stock)
-4.3%
Biggest decreases this quarter
AMERICAN CENTURY COMPANIES INC−$12.2Mα+0.7BlackRock, Inc.−$1.9Mα-0.2HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC−$1.4Mα-0.1JANE STREET GROUP, LLCexited−$1.3MMORGAN STANLEY−$961Kα-0.3Y-Intercept (Hong Kong) Ltdexited−$832KHRT FINANCIAL LPexited−$644KVARCOV Co.exited−$587KWealthcare Advisory Partners LLCexited−$494KAQR CAPITAL MANAGEMENT LLC−$355Kα-0.2
New buyers this quarter
Top-5 holders · 43.5%
BlackRock, Inc.--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD PORTFOLIO MANAGEMENT LLC--
HoldCo Asset Management, LP--
STATE STREET CORP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
AMERICAN CENTURY COMPANIES INC1.7MPRICE T ROWE ASSOCIATES INC /MD/223KRENAISSANCE TECHNOLOGIES LLC4.2MT. Rowe Price Investment Management, Inc.—Kingstone Capital Partners Texas, LLC—HoldCo Asset Management, LP6.5MRobeco Institutional Asset Management B.V.—AQR CAPITAL MANAGEMENT LLC3.8MARROWSTREET CAPITAL, LIMITED PARTNERSHIP3.3MDEPRINCE RACE & ZOLLO INC—
Analyst Coverage
Analyst Coverage
Analyst Ratings
5
Hold: 5Consensus: Hold
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$60K
1 txn · 1 insider · 10,000 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2025-10-31 | BUY | Jackson Rick C | officer: Executive Vice President | 10,000 | $6.05 | $60K | $948K |
Order Flow (FINRA, ~3w lag)
9.6%retail+0.1pp
16.3%dark+0.5pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Capitol Federal Financial, Inc.: Kicking the CRE Can with Payment Holidays
Overall Risk
4/10
Fraud
2/10
Dilution
2/10
Insolvency
3/10
Earnings Overstated
5/10
Hidden Liabilities
3/10
Legal
2/10
Audit Warnings
3/10
Hidden Upside
2/10
Contextually Acceptable
6/10