Capitol Federal Financial Inc. (CFFN) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-03, Capitol Federal Financial Inc. (NASDAQ: CFFN) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $8.43 (-1.29% 1D, market cap $1.06B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CFFN ranks #309 in composite RQD confidence.
Within the Financials sector (Savings Institutions), CFFN carries a Roarable C (63/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 6.5%. By comparison, HTB (HomeTrust Bancshares Inc.) holds a C- grade (60/100 RQD, P/E 11.6x, ROIC 10.7%, cap $732.8M) and KRNY (Kearny Financial Corp) posts a D+ grade (54/100 RQD, P/E 23.0x, ROIC 3.4%, cap $592.2M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).
Per CFFN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001490906), Capitol Federal Financial Inc. generated $16.3M in revenue (+6.5% YoY), $68.0M in net income, and $49.8M in free cash flow against $9.78B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
Even with a 63/100 (C) score, CFFN faces multiple-compression risk if 15.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($8.55) or 200D SMA ($8.01) invalidates the momentum regime and cuts Target Base ($8.62) toward Bear Floor ($6.72).
Capitol Federal Financial Inc. (CFFN) slipped -1.29% to $8.43, trading at 75% of its 52-week range ($5.97 – $9.26). Solid steady margins (7% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
Yahoo! Finance Canada report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Capitol Federal Financial reported quarterly net interest income of US$54.83 million and net income of US$22.38 million for the fourth quarter of fiscal 2026, with full year figures of US$211.9 million and US$86.4 millio
Capitol Federal Financial has delivered a strong multi year share price recovery, and the question now is whether the current valuation is properly grounded in its earnings power. With the stock moving higher and fresh r
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CFFN today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CFFN. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Capitol Federal Financial Inc. (CFFN) ranks #309 by composite RQD confidence (63/100, grade C) and #537 by equity capitalization ($1.06B). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. PDLB currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with CFFN at 63/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| CFFN
ACTIVE
Capitol Federal Financial Inc. | C | 63/100 | 15.8x | — | 6.5% | -1.29% | $1.06B | Benchmark Subject |
| HTB HomeTrust Bancshares Inc. | C- | 60/100 | 11.6x | — | 10.7% | -2.03% | $732.8M | /htb-vs-cffn → |
| KRNY Kearny Financial Corp | D+ | 54/100 | 23.0x | — | 3.4% | -1.19% | $592.2M | /krny-vs-cffn → |
| PDLB Ponce Financial Group Inc. | C+ | 68/100 | 19.9x | — | 5.1% | -0.84% | $544.0M | /pdlb-vs-cffn → |
| NRIM Northrim BanCorp Inc | C | 62/100 | 8.3x | — | 19.8% | -1.36% | $530.5M | /nrim-vs-cffn → |
In its most recent audited fiscal period (FY2025, filed 2025-09-30), Capitol Federal Financial Inc. (CFFN) reported GAAP revenue of $16.3M (+6.5% vs. FY2024 revenue of $15.3M , and -7.4% cumulative change since FY2023) , GAAP net income of $68.0M, operating cash flow of $55.0M, and free cash flow of $49.8M (+107.7% YoY). On the balance sheet, CFFN closed FY2025 with $9.78B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-09-30 | $16.3M | $68.0M | $55.0M | $49.8M | $9.78B | — |
| FY2024 (FY) | 2024-09-30 | $15.3M | $38.0M | $31.2M | $24.0M | $9.54B | — |
| FY2023 (FY) | 2023-09-30 | $17.6M | -$101.7M | $47.5M | $47.5M | — | — |
As of 2026-11-03, Capitol Federal Financial Inc. (NASDAQ: CFFN) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $8.43 (-1.29% 1D, market cap $1.06B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CFFN ranks #309 in composite RQD confidence.
Within the Financials sector (Savings Institutions), CFFN carries a Roarable C (63/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 6.5%. By comparison, HTB (HomeTrust Bancshares Inc.) holds a C- grade (60/100 RQD, P/E 11.6x, ROIC 10.7%, cap $732.8M) and KRNY (Kearny Financial Corp) posts a D+ grade (54/100 RQD, P/E 23.0x, ROIC 3.4%, cap $592.2M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).
Per CFFN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001490906), Capitol Federal Financial Inc. generated $16.3M in revenue (+6.5% YoY), $68.0M in net income, and $49.8M in free cash flow against $9.78B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
CFFN last traded at $8.43 (-1.29% on volume of 869,882 shares), positioning the stock -1.40% below its 50-day simple moving average ($8.55) and +5.24% above its 200-day simple moving average ($8.01). Across its 52-week range of $5.97 to $9.26, CFFN sits at the 74.8% percentile with a 14-day RSI of 49.9 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($8.06 to $8.80).
Why CFFN Stock slipped -1.29% Today — RQD Quant Desk Flash. Solid steady margins (7% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, CFFN scores 65/100, a letter grade of C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:
Taken together, the rating points to a balanced setup: solid insider signals and acceptable balance-sheet metrics offset by modest capital returns and market-level macro sensitivity. Upside drivers would need to come from improving returns on capital or sustained insider accumulation; valuation tradeoffs are reflected in a trailing P/E of 15.8 against a forward P/E of 14.7 per the market data.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $16.3M | $0.0M | $68.0M | N/A | $49.8M | $232.6M | N/A |
| FY 2024 | $15.3M | $0.0M | $38.0M | N/A | $24.0M | $170.3M | N/A |
| FY 2023 | $17.6M | $0.0M | $-101.7M | N/A | $47.5M | N/A | N/A |
Per the SEC financials, net income rose from $38.0M in FY 2024 to $68.0M in FY 2025, after a $-101.7M loss in FY 2023. Per the market data, the net margin is 68%, while gross and operating margins are reported as 0%. Per the Roarable RQD rating, ROIC is 6.5% and the Altman Z-Score is 2.5, with a Piotroski F-Score of 5/9 and Debt/Equity of 0.5. Reported cash grew from $170.3M to $232.6M over FY 2024–FY 2025.
Per the recent news section, six items were captured, all tagged to CFFN:
Per the Butterfly Supply-Chain Graph, there are no supply-chain links and no proprietary signals. Risk watch items are limited to the absence of detail in the news summaries; the headlines themselves are generic market-wire content.
Real-time company headlines, analyst actions, and sector developments for Capitol Federal Financial Inc. (CFFN) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.
Welcome to the CFFN (Capitol Federal Financial Inc.) Roar Pit. Current RQD Composite is 65/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on CFFN, but look at what you are paying: 15.8x trailing P/E with tightening sector spreads. Unless Capitol Federal Financial Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on CFFN, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $8.54 (52-wk range $5.97 - $9.26), any beat on forward guidance forces shorts and underweight funds to chase.
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