Capitol Federal Financial

CFFN

Banks - Regional · Financial Services

Price

$8.53

+0.04 (+0.47%)

Market Cap

$1.05B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Mixed

Growth

Exceptional

Capital Strength

Strong

Asset Quality

Exceptional

Valuation

Good

Dividends

Good

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Share count falling — buybacks

−4.0% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 135.5M (2021) → 130.0M (2025)

Winston Score History

The full picture

Capitol Federal Financial is a savings bank holding company based in Topeka, Kansas. It operates Capitol Federal Savings Bank, which offers basic banking services like home mortgage loans, savings accounts, and certificates of deposit. The bank mainly serves everyday consumers and homeowners across Kansas and Missouri, making it a traditional community-focused thrift institution.

The company makes most of its money from the difference between the interest it earns on mortgage loans and the interest it pays out on deposits — a model called net interest income. Capitol Federal operates primarily in the Midwest and is one of the larger thrift banks in Kansas, giving it a recognizable local brand. However, its low return on invested capital (around 1%) reflects a key challenge: the bank holds a large portfolio of long-term, fixed-rate mortgages, which hurt profitability when interest rates rise, and navigating that rate sensitivity remains its most significant ongoing risk.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.2% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+35.7% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

13.8%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$9.3B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Capitol Federal Financial is growing revenue at 7% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money

Return on Equity

8.2%

no trend

Below its cost of capital — 8.2%

Standard mid-range return on equity. Acceptable.

Profit on lending

Net Interest Margin

2.27%

no trend

Thin — 2.27% net interest margin

Cost of running the bank

Efficiency Ratio

52.8%

no trend

Very lean — spends 52.8¢ to earn a dollar

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Growth

Sales growth

Sales YoY

+7.9%

Steady sales growth (+7.9% YoY)

Profit growth

EPS YoY

+37.5%

Earnings growing fast (+37.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion

Capital Ratio

9.5%

no trend

Well capitalised — 9.5% Tier-1 leverage

The bank's capital cushion is just adequate. It clears the safety minimum with a small buffer.

Asset Quality

Loans not being repaid

Non-Performing Loans

0.67%

no trend

Clean loan book — 0.67% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off

Net Charge-Offs

0.00%

no trend

Minimal losses — 0.00% net charge-offs

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Valuation

Price vs profit

P/E Ratio (TTM)

13.1x

Attractive valuation — P/E 13.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+0.2

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

4.30%

Healthy income — 4.30% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

-13.2%

Dividend cut (-13.2% YoY) — warning sign

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