Capitol Federal Financial, Inc.
CFFNFinancial ServicesNASDAQBanks - Regional
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Daily timeframeCapitol 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 carries a $966.5M market cap, placing it firmly in the small-cap category. The company offers a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts.
Market Cap
$966.5M
Beta
0.68
P/E (TTM)
12.95
P/E (Fwd)
10.57
EPS (TTM)
$0.60
EPS (Fwd)
$0.73
ROE
7.5%
ROA
0.8%
Cash
$332.3M
Total Debt
$1.71B
Free CF
—
52W Change
37.3%
Annual Financials
Cash vs Debt
Capitol Federal Financial, Inc. carries $1.71B in total debt against $332.3M in cash reserves — debt is roughly 5.1x the cash position. Managing this leverage effectively will be important for long-term financial stability. ROE of 7.5% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.8% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $212.6M (2022) to $198.2M (2025).
CFFN's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing CFFN.