Loading…
Topeka, Kansas-based thrift focused mainly on residential mortgage lending across Kansas and Missouri.
Topeka, Kansas-based thrift focused mainly on residential mortgage lending across Kansas and Missouri.
Earns the spread between interest on a large portfolio of long-held fixed-rate home loans and what it pays on deposits and Federal Home Loan Bank borrowings, so its margin tightens when funding costs rise faster than old loans reprice. It became fully publicly owned in a 2010 conversion from a mutual holding structure.
Moat: narrow (scale, cost advantage). Large, low-cost-funded residential mortgage book built over decades as a mutual-heritage thrift.
Headquarters: Topeka, Kansas, US · Founded: 1893
Size Capitol Federal Financial (CFFN) is a United States Financials company (Savings Banks) with a market value of $1.06B, the 2212th largest of 3,117 United States companies the cockpit tracks. Shares closed at $8.43 on 6 Nov 2026.
Performance Over six months the shares gained 7.4%, against +4.7% for the median peer and -1.1% for the United States market (cap-weighted) — 10th highest of 20 in its peer set.
Growth Revenue grew 6.0% over the last twelve months (peer median +4.9%); the operating margin is 45.7% (peer median 43.9%).
Valuation It trades at 1.04× book value against a peer median of 1.14× (8th cheapest of 20).
Price implies The share price implies a return on equity of about 8.4%; Capitol Federal Financial delivers 8.4%, so the price asks less than the business earns today.
Short interest Short interest is 5.8% of the free float (15 Oct 2026).
Next results Next results expected around 27 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|---|
| Revenue | $446M | $446M | $420M | $382M | $188M |
| Revenue growth | — | +6% | +10% | +103% | — |
| Net income | $86.3M | $86.4M | $67.9M | $38.0M | -$102M |
| Free cash flow | n/a | n/a | $49.8M | $24.0M | $41.2M |
| Capital expenditure | n/a | n/a | $5.20M | $7.18M | $6.28M |
| Total debt | $1.62B | $1.62B | $1.96B | $2.19B | $2.89B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Capitol Federal Financial CFFN | $1.06B | +7% | +6% | 8% | 1.04× | 8.4% |
| TFS Financial TFSL | $4.61B | +9% | +6% | 5% | 2.72× | 18.1% |
| Northwest Bancshares NWBI | $2.23B | +10% | +13% | 11% | 1.18× | 9.3% |
| UMB Financial UMBF | $10.2B | +2% | +17% | 14% | 1.34× | 11.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CFFN | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -0.5% | +2.4% | 5th lowest of 21 |
| 6-month return | +7.4% | +4.7% | 10th highest of 20 |
| Return on equity | 8.4% | 10.7% | 8th lowest of 20 |
| Price / book | 1.04× | 1.14× | 8th cheapest of 20 |
| Trailing P/E | 12.2× | 12.1× | 9th most expensive of 20 |
| ROE the price implies | 8.4% | 8.0% | 9th most demanding of 20 |
| ROE delivered | 8.4% | 10.7% | 8th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Capitol Federal Financial CFFN | United States | $1.06B | +7% | +6% | 8% | 1.04× | 8.4% | 8.4% |
| TrustCo Bank Corp NY TRST | United States | $947M | +17% | +6% | 10% | 1.50× | 10.7% | 10.0% |
| American Savings Bank N.A ASBH | United States | $1.30B | n/a | n/a | n/a | n/a | n/a | n/a |
| Southern Missouri Bancorp SMBC | United States | $775M | +2% | +3% | 13% | 1.29× | 10.5% | 12.9% |
| Triumph Financial TFIN | United States | $1.46B | -8% | +13% | 5% | 1.57× | 17.5% | 5.3% |
| Hingham Institution for Savings HIFS | United States | $647M | +5% | +3% | 13% | 1.26× | 10.6% | 12.6% |
| Third Coast Bancshares TCBX | United States | $646M | +1% | +18% | 13% | 0.96× | 7.9% | 12.7% |
| OceanFirst Financial OCFC | United States | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% | 2.3% |
| Greene County Bancorp GCBC | United States | $615M | +51% | +8% | 17% | 2.15× | 12.5% | 16.7% |
| SpareBank 1 Ostfold Akershus SOAG.OL | Norway | $609M | -4% | +2% | 12% | 1.14× | 6.2% | 12.1% |
| Sparebanken More MORG.OL | Norway | $604M | -2% | -15% | 12% | 0.65× | 4.9% | 11.6% |
| Kearny Financial KRNY | United States | $585M | +10% | +1% | 5% | 0.77× | 6.8% | 4.9% |
| Shawbrook SHAW.L | United Kingdom | $1.96B | -12% | +5% | 12% | 0.79× | 8.0% | 12.2% |
| Ponce Financial PDLB | United States | $525M | +22% | +15% | 8% | 1.49× | 9.7% | 8.2% |
| SpareBank 1 Helgeland HELG.OL | Norway | $507M | +4% | -4% | 7% | 0.92× | 5.6% | 6.7% |
| Northwest Bancshares NWBI | United States | $2.23B | +10% | +13% | 11% | 1.18× | 9.3% | 10.7% |
| Avidia Bancorp AVBC | United States | $448M | +11% | +5% | 7% | 1.18× | 7.0% | 7.3% |
| Provident Financial Services PFS | United States | $2.99B | +2% | +4% | 11% | 1.05× | 9.2% | 11.0% |
| Columbia Financial CLBK | United States | $2.99B | +25% | +23% | 2% | 0.95× | 6.2% | 2.3% |
| Timberland Bancorp TSBK | United States | $373M | +17% | +4% | 12% | 1.35× | 7.7% | 11.6% |
| Sparebank 1 Ostlandet SPOL.OL | Norway | $3.01B | +9% | -2% | 9% | 1.09× | 7.1% | 9.1% |