CFFN
Financial ServicesCapitol Federal Financial, Inc. · Banks - Regional · $1B
CFFN Price History
-2.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Capitol Federal Financial, Inc.?
Based on Capitol Federal Financial, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
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Pro Analysis
CFFN — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Aug 1, 2026 | 46.1 | 59.9 | 18.0 | 46.7 | 44.9 | 70.4 | +5.7 |
| Jul 25, 2026 | 40.4 | 59.8 | 18.0 | 46.7 | 7.3 | 69.8 | -0.1 |
| Jul 24, 2026 | 40.5 | 60.1 | 18.0 | 46.7 | 7.3 | 70.3 | 0.0 |
| Jul 23, 2026 | 40.5 | 60.0 | 18.0 | 46.7 | 7.3 | 70.1 | +0.1 |
| Jul 22, 2026 | 40.4 | 60.0 | 18.0 | 46.7 | 7.3 | 70.1 | -0.1 |
| Jul 21, 2026 | 40.5 | 60.1 | 18.0 | 46.7 | 7.3 | 70.2 | +0.1 |
| Jul 18, 2026 | 40.4 | 59.9 | 18.0 | 46.7 | 7.3 | 70.0 | +0.2 |
| Jul 17, 2026 | 40.2 | 59.6 | 18.0 | 46.7 | 7.3 | 69.3 | -0.2 |
| Jul 16, 2026 | 40.4 | 59.8 | 18.0 | 46.7 | 7.3 | 69.8 | -0.2 |
| Jul 11, 2026 | 40.6 | 60.2 | 18.0 | 46.7 | 7.3 | 70.6 | — |
CFFN — Pillar Breakdown
Quality
— 59.9/100 (25%)Capitol Federal Financial, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 46.7/100 (20%)Capitol Federal Financial, Inc. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 44.9/100 (15%)Capitol Federal Financial, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 70.6/100 (15%)Capitol Federal Financial, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 18/100 (25%)Capitol Federal Financial, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CFFN.
Score Composition
Financial Data
More Stock Analysis
How is the CFFN UQS Score Calculated?
The UQS (Unified Quality Score) for Capitol Federal Financial, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Capitol Federal Financial, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Capitol Federal Financial, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.