Capitol Federal Financial Analysis (March) 2026

Capitol Federal Fina...

NasdaqGS:CFFN

$ 7,10

$-0,03 (-0,42%)

7,10 $

$-0,03 (-0,42%)

End-of-day quote: 03/26/2026

Capitol Federal Financial Stock Value

According to analysts, the current valuation of NasdaqGS:CFFN is Hold.

Hold

Capitol Federal Financial Company Info

EPS Growth 5Y

2,04%

Market Cap

$0,90 B

Long-Term Debt

$1,44 B

Short Interest

4,52%

Quarterly earnings

N/A

Dividend

$0,34

Dividend Yield

4,77%

Founded

1893

Industry

Financials

Country

United States

ISIN Number

US14057J1016

Website

https://capfed.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$7,75

9.15%

Last Update: 03/26/2026

Analysts: 2

Highest Price Target $8,00

Average Price Target $7,75

Lowest Price Target $7,50

In the last five quarters, Capitol Federal Financial’s Price Target has risen from $4,79 to $5,50 - a 14,82% increase. One analysts predict that Capitol Federal Financial’s share price will increase in the coming year, reaching $7,75. This would represent an increase of 9,15%.

Top growth stocks in the financials sector (5Y.)

What does Capitol Federal Financial do?

Capitol Federal Financial, Inc. operates as the bank holding company for Capitol Federal Savings Bank that provides a variety of financial services to meet the needs of the communities the company serves. The company attracts deposits primarily from the general public and from businesses, and invests those funds primarily in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences and in commercial loans, either secured by real estate or for commercial and in...

The company attracts deposits primarily from the general public and from businesses, and invests those funds primarily in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences and in commercial loans, either secured by real estate or for commercial and industrial purposes. The company also participates with other lenders in commercial loans, and have purchased loans primarily secured by mortgages on one- to four-family residences. The bank also invests in certain investment securities and mortgage-backed securities (‘MBS’) using funding from deposits and Federal Home Loan Bank of Topeka (‘FHLB’) borrowings.

The company offers a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit with terms ranging from 91 days to 120 months. The bank offers a suite of treasury management services designed to support business customers in managing their financial operations efficiently and securely. The company’s treasury management solutions include cash flow optimization, fraud prevention tools, and payment services tailored to meet the needs of commercial clients. By leveraging these services, the company help businesses streamline their operations, reduce financial risk, and maximize liquidity while helping the bank gather deposit and fee income.

Lending

The company is one of the leading originators of one- to four-family loans in the state of Kansas. The company originates these loans primarily for its own portfolio, and the company services the loans it originates. Historically, the company purchased one- to four-family loans from correspondent lenders but recently suspended that activity for balance sheet management purposes. The company offers several commercial lending options and participate in commercial loans with other lenders, both locally and outside the company’s market areas. The company offers both fixed- and adjustable-rate products with various terms to maturity and pricing options. The company maintains strong relationships with local real estate agents to attract loan business. The company relies on its marketing efforts and customer service reputation to attract business from walk-in customers, customers that apply online, and existing customers. The company’s business development efforts help to bring new business relationships to the bank.

Deposit Services

The company offers a wide array of retail and business deposit products and services. These products include checking, savings, money market, certificates of deposit, and retirement accounts. The company also offers Treasury Management solutions tailored to meet the needs of the company’s commercial clients. The company’s deposit services are provided through its network of traditional branches and retail in-store locations, the company’s call center (which operates on extended hours), mobile banking, telephone banking, and online banking and bill payment services.

Market Area

The company’s corporate office is located in Topeka, Kansas. The company has a network of traditional branches and in-store branches located in nine counties throughout Kansas and three counties in Missouri. The company primarily serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas; and a portion of the metropolitan area of greater Kansas City.

Securities

As of September 30, 2024, the company's securities included MBS, government-sponsored enterprises debentures, corporate bonds, and municipal bonds.

Regulation and Supervision

The bank is examined and regulated by the Office of the Comptroller of the Currency (OCC), its primary regulator, and its deposits are insured up to applicable limits by the Deposit Insurance Fund (DIF), which is administered by the Federal Deposit Insurance Corporation (FDIC). The company, as a savings and loan holding company, is examined and regulated by the Board of Governors of the Federal Reserve System (FRB).

The company is a unitary savings and loan holding company within the meaning of the Home Owners' Loan Act (HOLA). As such, the company is registered with the FRB and subject to the FRB regulations, examinations, supervision, and reporting requirements. In addition, the FRB has enforcement authority over the company.

The bank is also subject to regulation and examination by the FDIC, which insures the deposits of the bank to the maximum extent permitted by law. The DIF of the FDIC insures deposit accounts in the bank up to applicable limits, with a maximum amount of deposit insurance for banks, savings institutions, and credit unions of $250 thousand per separately insured deposit ownership right or category.

In connection with its lending activities, the bank is subject to a number of federal laws designed to protect borrowers and promote lending to various sectors of the economy and population. These include the Equal Credit Opportunity Act, the Truth-in-Lending Act, the Home Mortgage Disclosure Act, the Real Estate Settlement Procedures Act, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (‘SAFE Act’), and the Community Reinvestment Act (‘CRA’). With respect to federal consumer protection laws, regulations are generally promulgated by the Consumer Financial Protection Bureau (‘CFPB’), but the OCC, rather than the CFPB, examines the bank for compliance with such laws and regulations because the bank's regulatory assets have yet to exceed $10 billion for four consecutive quarter-ends.

The bank received a satisfactory rating in its most recently completed CRA evaluation. The bank is subject to the Bank Secrecy Act and other anti-money laundering laws, including the USA PATRIOT Act of 2001 and regulations thereunder. These laws and regulations require the bank to implement policies, procedures, and controls to detect, prevent, and report money laundering and terrorist financing and to verify the identity and source of deposits and wealth of its customers.

The bank is a member of one of 11 regional Federal Home Loan Banks.

History

Capitol Federal Financial, Inc. was founded in 1893. The company was incorporated in Maryland in 2010.

Capitol Federal Financial Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Main source of income:** Mortgage loans and deposits **Top 3 markets:** 1. **Residential real estate market:** approx. 70% 2. **Deposits and savings products:** approx. 20% 3. **Consumer loans:** approx. 10% Capitol Federal Financial, Inc. generates the majority of its revenue from the residenti...

At which locations are the company’s products manufactured?

**Production:** No physical production Capitol Federal Financial, Inc. is a financial services company that primarily operates in the provision of banking services. The company does not produce physical products, but offers financial services such as savings and checking accounts, mortgages, and ot...

What strategy does Capitol Federal Financial pursue for future growth?

**Current Dividend Yield:** 5.8% (2026, estimated) **Core Strategy:** Focus on organic growth and efficiency improvement Capitol Federal Financial, Inc. pursues a strategy that aims for organic growth by strengthening its existing business segments. The company places great emphasis on enhancing t...

Which raw materials are imported and from which countries?

**Commodities/Materials:** No specific commodities Capitol Federal Financial, Inc. is a financial institution and not a manufacturing industry or a company that produces physical goods. Therefore, it does not import commodities or materials in the traditional sense. The company operates in the ban...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 5.8% (2025) **Net Interest Margin:** 2.1% (2025) **Market Share in the Regional Market:** Estimated 10% (2025) Capitol Federal Financial, Inc. has a moderate competitive advantage, mainly stemming from its strong regional presence and customer loyalty. The return on...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 75% (estimated for 2026) **Insider Buys/Sells:** No significant transactions in the last year (estimated for 2026) The institutional investor share at Capitol Federal Financial, Inc. is traditionally high, as the company is considered a stable player...

What percentage market share does Capitol Federal Financial have?

**Market Share Capitol Federal Financial, Inc.:** Estimate: approx. 1-2% in the regional banking sector (2026) **Major Competitors in the Regional Banking Sector:** 1. **Wells Fargo & Co.:** approx. 10% (2026) 2. **U.S. Bancorp:** approx. 8% (2026) 3. **PNC Financial Services Group, Inc.:** app...

Is Capitol Federal Financial stock currently a good investment?

**Return on Equity (ROE):** 5.2% (2025) **Return on Assets (ROA):** 0.8% (2025) **Dividend Yield:** 3.5% (2025) Capitol Federal Financial, Inc. shows a moderate return on equity of 5.2%, indicating average efficiency in utilizing equity. The return on assets of 0.8% is relatively low, suggesting th...

Does Capitol Federal Financial pay a dividend – and how reliable is the payout?

**Dividend Yield:** 3.5% (2026, estimated) **Dividend History:** Stable payout over the past years Capitol Federal Financial, Inc. is known for regularly distributing dividends to its shareholders. The dividend yield is currently around 3.5%, which can be considered solid compared to other comp...

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Capitol Federal Financial Stock Value

Capitol Federal Financial Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Capitol Federal Financial do?

Capitol Federal Financial Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Capitol Federal Financial Stock Value

Capitol Federal Financial Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Capitol Federal Financial do?

Capitol Federal Financial Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.