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.
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.
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).
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
FRED Regime × Technicals: 78% of 52W Range • RSI-14 at 50.3 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Capital intensity & 0% operating margin leave 8 pts on the table
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.
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 ($7.99) invalidates the momentum regime and cuts Target Base ($9.00) toward Bear Floor ($7.00).
Capitol Federal Financial Inc. (CFFN) advanced +1.67% to $8.54, trading at 78% of its 52-week range ($5.97 – $9.26). High-quality cash engine (steady margins, 7% return on capital) with steady institutional support.
Capitol Federal Financial earnings and dividend snapshot Capitol Federal Financial (CFFN) just released fourth quarter and full year results, reporting net interest income of US$54.83 million for the quarter and US$211.9
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
(AP) — Capitol Federal Financial Inc. (CFFN) on Wednesday reported profit of $22.
Capitol Federal Finl (NASDAQ:CFFN) reported quarterly earnings of $0.18 per share which met the analyst consensus estimate. This is a 28.57 percent increase over earnings of $0.14 per share from the same period last
Capitol Federal Financial, Inc. (NASDAQ: CFFN) (the "Company") announced today that its Board of Directors has declared a quarterly cash dividend of $0.085 per share on outstanding CFFN common stock.
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 #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 → |
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 2026-11-01, 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.
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).
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 $8.54 (+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).
Why CFFN Stock advanced +1.67% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 7% return on capital) with steady institutional support.
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