Capitol Federal Financial Inc (CFFN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Capitol Federal Financial Inc stock (CFFN) is currently trading at $7.13. Capitol Federal Financial Inc PE ratio is 12.50. Capitol Federal Financial Inc PS ratio (Price-to-Sales) is 4.39. Analyst consensus price target for CFFN is $7.75. WallStSmart rates CFFN as Moderate Buy.
- CFFN PE ratio analysis and historical PE chart
- CFFN PS ratio (Price-to-Sales) history and trend
- CFFN intrinsic value — DCF, Graham Number, EPV models
- CFFN stock price prediction 2025 2026 2027 2028 2029 2030
- CFFN fair value vs current price
- CFFN insider transactions and insider buying
- Is CFFN undervalued or overvalued?
- Capitol Federal Financial Inc financial analysis — revenue, earnings, cash flow
- CFFN Piotroski F-Score and Altman Z-Score
- CFFN analyst price target and Smart Rating
Capitol Federal Financial Inc
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CFFN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Capitol Federal Financial Inc (CFFN)
CFFN trades at a significant discount to its Graham intrinsic value of $26.21, offering a 71% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Capitol Federal Financial Inc (CFFN) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around peg ratio and return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Capitol Federal Financial Inc (CFFN) Key Strengths (6)
Keeps $47 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 32.60% year-over-year
Keeps $35 of every $100 in revenue as net profit
79.30% of shares held by major funds and institutions
Strong revenue growth at 20.40% annually
Supporting Valuation Data
Capitol Federal Financial Inc (CFFN) Areas to Watch (4)
Very expensive relative to growth, significant premium
Low profitability relative to shareholder equity
Premium valuation at 4.4x annual revenue
Small-cap company with higher risk but more growth potential
Supporting Valuation Data
Capitol Federal Financial Inc (CFFN) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.7/10) while 4 fall into concern territory (avg 3.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.85) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 47.30%, Profit Margin at 34.80%. Growth metrics are encouraging with Revenue Growth at 20.40%, EPS Growth at 32.60%.
The Bear Case
The primary concerns are PEG Ratio, Return on Equity, Price/Sales. Some valuation metrics including PEG Ratio (4.09), Price/Sales (4.39) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 7.05%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.05% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 20.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CFFN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CFFN's Price-to-Sales ratio of 4.39x trades 34% below its historical average of 6.65x (21th percentile). The current valuation is 68% below its historical high of 13.91x set in Sep 2008, and 31% above its historical low of 3.34x in Aug 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Capitol Federal Financial Inc (CFFN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Capitol Federal Financial Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 210M with 20% growth year-over-year. Profit margins are strong at 34.8%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 705.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 34.8% and operating margin of 47.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Capitol Federal Financial Inc maintain 20%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 483.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 1.8B is significantly higher than cash (233M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Capitol Federal Financial Inc.
Bottom Line
Capitol Federal Financial Inc offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Capitol Federal Financial Inc(CFFN)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Capitol Federal Financial, Inc. is the holding company for Capitol Federal Savings Bank offering various retail banking products and services in the United States. The company is headquartered in Topeka, Kansas.