10 Year Financial Data of Capitol Federal Financial, Inc. (CFFN)

11.98 (1y: +2%)

Market Cap	1.79 B	P/E(ttm)	25.20
Enterprise Value	4.42 B	P/B	1.00

CFFN- NAS (USA)
Capitol Federal Financial, Inc.

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$11.98

1 Severe Warning Sign 3 Medium Warning Signs 3 Good Signs

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	4.3	5.5	7.9
EBITDA Growth (%)	0	2.2	6.9
Free Cash Flow Growth (%)	-8.5	-7.7	-5
Book Value Growth (%)	7.9	25.8	-4.5

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	0.96	0.86	1.08	0.92	0.78	0.99	1.24	1.23	1.19	1.32	1.37	0.33	0.33	0.34	0.35	0.35
EBITDA per Share	0.71	-0.86	0.73	0.54	0.34	0.52	0.67	0.66	0.38	0.77	0.77	0.19	0.19	0.19	0.19	0.20
Free Cashflow per Share	1.41	0.58	0.63	0.49	2.69	0.49	1.07	0.31	0.33	0.59	0.57	0.12	0.14	0.17	0.13	0.13
Earnings per Share ($)	0.32	-0.65	0.39	0.29	0.19	0.31	0.40	0.41	0.24	0.47	0.48	0.12	0.12	0.12	0.12	0.12
Dividends Per Share	0.40	0.88	0.88	0.88	0.88	0.88	0.88	0.88	0.45	0.30	0.30	0.08	0.08	0.08	0.08	0.08
Book Value per Share	5.97	5.12	5.23	5.23	5.22	5.27	5.68	5.80	11.93	11.44	11.30	11.83	11.68	11.96	11.29	11.30
Month End Stock Price	12.95	14.22	15.12	15.71	15.11	19.58	14.54	10.91	10.56	11.96	12.07	11.88	11.88	11.96	11.69	12.07
Ratios	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	5.30	-12.80	7.50	5.60	3.70	5.80	7.00	7.10	2.00	4.10	4.40	4.00	4.00	4.00	4.40	4.40
Return on Assets %	0.60	-1.20	0.80	0.60	0.40	0.60	0.80	0.80	0.40	0.80	0.80	0.80	0.80	0.80	0.80	0.80
Return on Capital - Joel Greenblatt %	--	-320	--	--	--	--	--	--	2.50	4.70	821	4.80	4.80	4.40	--	821
Debt to Equity	3.36	4.21	4.02	3.85	3.21	3.63	3.30	3.14	2.72	3.00	1.60	2.83	2.96	3.00	1.52	1.60

Operating Margin %	54.00	-121	58.80	51.70	40.60	48.80	51.30	51.70	29.60	55.50	53.80	56.20	56.20	53.30	51.40	53.80
Net Margin %	33.00	-76.00	36.30	31.60	24.80	31.00	32.30	33.30	19.80	35.60	35.20	36.00	35.70	34.30	34.20	35.20

Debt to Revenue	20.79	25.06	19.41	21.82	21.36	19.25	15.14	14.79	27.22	25.95	52.41	101	104	105	49.27	52.41
Interest Exp. to Revenue %	72.66	83.13	86.98	83.41	81.62	81.71	86.07	83.13	87.10	88.41	88.17	88.49	88.37	88.72	88.78	88.17

Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01
Dividend Payout Ratio	1.25	--	2.25	3.03	4.55	2.87	2.21	2.16	1.89	0.64	0.62	0.63	0.63	0.64	0.63	0.62
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	115	116	156	127	106	134	177	170	169	185	182	47.47	46.19	45.85	45.63	44.32
Non Interest Income	43.16	23.59	23.35	25.27	23.97	30.03	28.59	34.41	25.00	24.23	23.62	6.17	6.08	5.83	5.77	5.94
Revenue	158	140	179	152	130	164	205	204	194	209	206	53.64	52.27	51.68	51.40	50.26

Selling, General, &Admin. Expense	43.51	45.59	44.76	44.06	45.59	48.42	60.43	74.16	69.91	68.94	66.49	17.55	18.81	14.65	16.53	16.51
Credit Losses Provision	--	0.06	0.22	0.25	-0.23	2.05	6.39	8.88	4.06	2.04	0.23	1.50	--	--	0.23	--
Other Expenses	-2.00	234	13.44	19.31	27.75	27.42	28.06	10.98	58.01	17.18	23.37	3.22	2.91	8.12	6.96	5.39
Earnings Before DDA	116	-139	121	88.67	57.30	86.30	110	110	61.75	121	116	31.37	30.55	28.92	27.68	28.37

Depreciation, Depletion and Amortization	31.05	29.94	15.46	9.97	4.39	6.15	5.13	4.58	4.40	4.95	5.13	1.20	1.18	1.37	1.26	1.32

Operating Income	85.29	-169	105	78.70	52.91	80.16	105	105	57.35	116	110	30.17	29.36	27.55	26.42	27.05
Net Income	52.03	-106	65.06	48.12	32.30	50.95	66.30	67.84	38.40	74.51	71.69	19.32	18.67	17.74	17.56	17.72

Earnings per Share ($)	0.32	-0.65	0.39	0.29	0.19	0.31	0.40	0.41	0.24	0.47	0.48	0.12	0.12	0.12	0.12	0.12
Total Shares Outstanding	164	163	165	165	166	165	166	166	163	158	145	162	157	151	148	145
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	41.92	172	58.57	183	163	87.14	41.15	65.22	121	142	48.57	144	173	142	105	48.57
Money Market Investments	169	174	182	165	140	124	--	--	--	--	--	--	--	--	--	--
Net Loan	4,312	4,751	5,466	5,223	5,292	5,322	5,600	5,168	5,139	5,608	5,715	5,224	5,210	5,608	5,640	5,715
Securities & Investments	3,967	3,287	2,576	2,514	1,938	2,377	2,473	2,941	3,857	3,295	3,199	3,880	3,706	3,295	3,162	3,199
Accounts Receivable	41.94	39.65	36.94	43.39	42.49	33.70	32.64	30.94	29.32	26.09	24.45	27.42	27.42	26.09	24.32	24.45
Property, Plant and Equipment	26.51	24.50	22.96	26.50	26.61	29.87	37.71	41.26	48.42	57.77	61.75	51.75	54.71	57.77	59.59	61.75
Intangible Assets	--	--	2.87	6.92	5.61	--	--	--	--	--	--	--	--	--	--	--
Other Assets	24.62	93.79	64.31	37.07	68.04	81.65	219	241	257	250	344	246	249	250	248	344
Total Assets	8,583	8,541	8,410	8,199	7,676	8,055	8,404	8,487	9,451	9,378	9,394	9,573	9,421	9,378	9,239	9,394

Total Deposits	4,238	4,127	3,960	3,900	3,923	3,924	4,229	4,386	4,495	4,551	4,694	4,657	4,592	4,551	4,582	4,694
Accounts Payable	39.78	37.54	59.02	64.90	48.66	43.00	41.26	33.61	46.05	45.20	35.21	41.23	47.60	45.20	42.09	35.21
Current Portion of Long-Term Debt	--	200	--	--	--	--	--	--	2,379	2,530	--	2,526	2,528	2,530	--	--
Long-Term Debt	3,281	3,303	3,480	3,322	2,786	3,161	3,106	3,017	2,894	2,895	2,634	2,891	2,893	2,895	2,532	2,634
Other liabilities	47.28	40.83	45.44	48.35	51.11	56.44	86.34	88.28	-2,304	-2,450	387	-2,454	-2,473	-2,450	412	387
Total Liabilities	7,606	7,709	7,545	7,336	6,808	7,184	7,462	7,525	7,511	7,572	7,751	7,661	7,588	7,572	7,569	7,751

Common Stock	0.92	0.92	0.92	0.92	0.92	0.92	0.92	0.92	1.68	1.55	1.49	1.65	1.58	1.55	1.52	1.49
Retained Earnings	896	735	760	761	750	759	782	801	569	536	425	559	540	536	428	425
Additional Paid-In Capital	402	412	422	429	439	445	453	458	1,393	1,292	1,245	1,376	1,315	1,292	1,267	1,245
Treasury Stock	-297	-293	-296	-311	-311	-318	-320	-323	--	--	--	--	--	--	--	--
Total Equity	976	832	865	863	868	871	941	962	1,940	1,806	1,643	1,912	1,833	1,806	1,670	1,643
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	52.03	-106	65.06	48.12	32.30	50.95	66.30	67.84	38.40	74.51	71.69	19.32	18.67	17.74	17.56	17.72
Depreciation, Depletion and Amortization	31.05	29.94	15.46	9.97	4.39	6.15	5.13	4.58	4.40	4.95	5.13	1.20	1.18	1.37	1.26	1.32
Cash Flow from Others	147	171	24.22	23.48	410	24.62	119	-13.26	22.99	26.77	22.44	1.26	6.38	10.17	2.44	3.45
Cash Flow from Operations	230	94.61	105	81.56	447	81.72	191	59.16	65.79	106	99.26	21.77	26.24	29.28	21.26	22.49

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-13.05	-8.18	-12.75	-12.62	-14.50	-2.80	-4.77	-3.50	-2.12	-4.12
Cash Flow from Acquisitions	--	--	--	--	--	--	--	--	--	--	3.43	--	--	--	3.43	--
Cash Flow from Investing	-409	211	-12.60	314	96.67	-473	-441	-38.49	-933	76.85	164	-190	182	9.13	95.46	-122

Net Issuance of Stock	-14.42	3.92	-1.51	-14.40	0.74	-6.68	-2.43	-4.02	--	-147	-197	-21.75	-85.10	-39.93	-38.66	-33.34
Net Issuance of Debt	-20.35	-15.50	--	-154	-550	360	-20.00	-50.00	-130	--	-50.00	--	--	--	--	-50.00
Cash Flow for Dividends	-41.61	-55.34	-40.72	-46.95	-43.00	-41.43	-44.07	-48.40	-150	-63.77	-149	-12.14	-11.88	-11.40	-114	-11.02
Other Financing	-155	-109	-163	-55.38	28.43	3.32	270	106	1,203	48.10	36.94	175	-81.99	-18.32	-0.30	138
Cash Flow from Financing	-232	-176	-205	-271	-564	315	204	3.39	923	-162	-359	141	-179	-69.65	-153	43.19

Net Change in Cash	-410	130	-113	125	-20.45	-75.65	-45.98	24.06	55.85	20.64	-95.13	-26.47	29.24	-31.24	-36.55	-56.58

Free Cash Flow	230	94.61	105	81.56	447	81.72	178	50.98	53.03	93.62	84.76	18.97	21.47	25.78	19.14	18.37
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Sep03	Sep04	Sep05	Sep06	Sep07	Sep08	Sep09	Sep10	Sep11	Sep12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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CFFN Quarterly/Annuals Reports

CFFN: 10-K/A - CAPITOL FEDERAL FINANCIAL (0001074433) (Filer): (10-K/A) - 2011-03-02
CFFN: 10-K - CAPITOL FEDERAL FINANCIAL (0001074433) (Filer): (10-K) - 2010-11-29
CFFN: 10-Q/A - CAPITOL FEDERAL FINANCIAL (0001074433) (Filer): (10-Q/A) - 2010-08-04
CFFN: 10-Q - CAPITOL FEDERAL FINANCIAL (0001074433) (Filer): (10-Q) - 2010-07-29
CFFN: 10-Q - CAPITOL FEDERAL FINANCIAL (0001074433) (Filer): (10-Q) - 2010-05-10

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