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Capitol Federal Financial Inc. (CFFN) — RQD Stock Rating Cockpit

$8.54 +1.67% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $8.59

Capitol Federal Financial Inc. (CFFN) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 7% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $1.07B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $8.59 (+0.54%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 305.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CFFN)Realized 20D OHLCV Swing Band: ±4.5%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY CFFN SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 78% of 52W Range • RSI-14 at 50.3 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 0% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$8.39-2.6% Next Q

Q2 (-2Q)

Grade C+$8.17+2.8% Next Q

Q3 (-1Q)

Grade B-$8.40+1.7% Next Q

Current

Grade B-$8.54+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CFFN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) 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.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($8.55) or 200D SMA ($7.99) invalidates the momentum regime and cuts Target Base ($9.00) toward Bear Floor ($7.00).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CFFN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CFFN Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

50.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE78% OF RANGE

L: $6$8.54H: $9

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on CFFN

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

6.5% ROIC with 42.0% gross margin and 4.64% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (75)

29/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like CFFN

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CFFN Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CFFN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.20%⚡ TESTING RESISTANCE

2026-10-30O $8.58H $8.58L $8.39C $8.54VOL 869.9K

RES: $8.69SUP: $7.92SMA50: $8.55SMA200: $7.99

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CFFN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CFFN Butterfly Map → + Track CFFN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.3%/yr Implied 5Y Growth

vs. +6.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CFFN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CFFN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CFFN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CFFN)

Financials Rank #151 of 1096 ⚔️ HTB vs CFFN Full Matrix →

1. Head-to-Head Financials Peer Comparison (CFFN vs. HTB, KRNY, PDLB, NRIM)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Capitol Federal Financial Inc. (CFFN) ranks #151 by composite RQD confidence (70/100, grade B-) and #537 by equity capitalization ($1.07B). 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. NRIM currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with CFFN at 70/100 (B-).

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.	B-	70/100	15.8x	—	6.5%	+1.67%	$1.07B	Benchmark Subject
HTB HomeTrust Bancshares Inc.	C-	60/100	11.6x	—	10.7%	+0.68%	$747.9M	/htb-vs-cffn →
KRNY Kearny Financial Corp	D+	52/100	23.0x	—	3.4%	+0.11%	$599.3M	/krny-vs-cffn →
PDLB Ponce Financial Group Inc.	C	65/100	19.9x	—	5.1%	+1.21%	$548.6M	/pdlb-vs-cffn →
NRIM Northrim BanCorp Inc	B+	77/100	8.3x	—	19.8%	+0.83%	$537.9M	/nrim-vs-cffn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0001490906

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	—	—

3. CFFN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CFFN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Capitol Federal Financial Inc. (NASDAQ: CFFN) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $8.54 (+1.67% 1D, market cap $1.07B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CFFN ranks #151 in composite RQD confidence.

How does CFFN compare to HTB and KRNY in the Financials sector?

Within the Financials sector (Savings Institutions), CFFN carries a Roarable B- (70/100 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 $747.9M) and KRNY (Kearny Financial Corp) posts a D+ grade (52/100 RQD, P/E 23.0x, ROIC 3.4%, cap $599.3M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CFFN?

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.

Where is CFFN trading relative to its 50-day, 200-day, and 52-week technical levels?

CFFN last traded at $8.54 (+1.67% on volume of 842,245 shares), positioning the stock -0.12% below its 50-day simple moving average ($8.55) and +6.88% above its 200-day simple moving average ($7.99). Across its 52-week range of $5.97 to $9.26, CFFN sits at the 78.1% percentile with a 14-day RSI of 50.3 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($8.16 to $8.92).

CFFN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CFFN stock right now?

Capitol Federal Financial Inc. (CFFN) currently earns a Roarable Rating of B- (Buy — BUY) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 7% return on capital) with steady institutional support.

What is CFFN's 12-month price target and RQD AI Jury consensus?

CFFN's 12-month base price target is $9 (range $7 to $10.62), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CFFN RQD Cockpit CFFN 12M Forecast CFFN Earnings & Move CFFN Dividends & DRIP CFFN Insiders & 13F CFFN Whale Options CFFN Profit Sankey CFFN News & Why