CFFN:NSD-Capitol Federal Financial, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 12.87

Change

-0.08 (-0.62)%

Market Cap

USD 1.79B

Volume

0.30M

Average Target Price

USD 12.00 (-6.76%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Capitol 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 accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposits. It also provides various loan products, such as one- to four-family residential real estate loans; construction-to-permanent loans; consumer loans comprising home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits; and commercial real estate loans that include various property types, which comprise hotels, office and retail buildings, senior housing facilities, and multi-family dwellings. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; invests in various securities; and engages in the real estate businesses. It operates a network of 54 branches, including 45 traditional branches and 9 in-store branches located in nine counties throughout Kansas and three counties in Missouri. The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, as well as the metropolitan area of greater Kansas City. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-04-22 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

-0.17 (-0.65%)

USD28.37B 37.72 N/A
SIVB SVB Financial Group

-9.01 (-1.71%)

USD27.40B 22.20 N/A
FITB Fifth Third Bancorp

-0.50 (-1.34%)

USD25.90B 13.24 N/A
FITBI Fifth Third Bancorp

-0.02 (-0.07%)

USD19.92B 10.35 N/A
HBAN Huntington Bancshares Incorpor..

-1.04 (-6.71%)

USD15.85B 22.46 N/A
SBNY Signature Bank

+1.62 (+0.68%)

USD13.79B 24.02 N/A
HBANO Huntington Bancshares Incorpor..

+0.01 (+0.04%)

USD13.19B 36.81 N/A
CBSH Commerce Bancshares, Inc

-1.27 (-1.67%)

USD8.92B 21.13 N/A
ZION Zions Bancorporation, National..

-1.10 (-2.04%)

USD8.57B 10.64 N/A
FCNCA First Citizens BancShares, Inc

-7.87 (-0.92%)

USD8.26B 17.92 N/A

ETFs Containing CFFN

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 2.96% 15% F 42% F
Dividend Return 0.68% 33% F 49% F
Total Return 3.64% 15% F 42% F
Trailing 12 Months  
Capital Gain 10.09% 4% F 21% F
Dividend Return 4.02% 50% F 62% D-
Total Return 14.11% 5% F 22% F
Trailing 5 Years  
Capital Gain -3.38% 8% F 26% F
Dividend Return 22.26% 87% B+ 82% B-
Total Return 18.88% 14% F 34% F
Average Annual (5 Year Horizon)  
Capital Gain -4.94% 17% F 19% F
Dividend Return 4.02% 92% A- 83% B
Total Return -0.94% 26% F 24% F
Risk Return Profile  
Volatility (Standard Deviation) 11.34% 94% A 90% A-
Risk Adjusted Return -8.28% 21% F 21% F
Market Capitalization 1.79B 79% C+ 72% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 29.10 12% F 37% F
Price/Book Ratio 1.43 22% F 75% C
Price / Cash Flow Ratio 19.30 21% F 24% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 4.72% 17% F 62% D-
Return on Invested Capital 1.67% 35% F 57% F
Return on Assets 0.65% 25% F 54% F
Debt to Equity Ratio 139.26% 7% F 14% F
Technical Ratios  
Short Ratio 6.33 9% F 13% F
Short Percent 5.19% 5% F 38% F
Beta 0.29 96% A 90% A-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.