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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 3/10

vs
industry
vs
history
Cash-to-Debt 0.08
CFFN's Cash-to-Debt is ranked lower than
93% of the 1374 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. CFFN: 0.08 )
Ranked among companies with meaningful Cash-to-Debt only.
CFFN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.05 Max: 3.82
Current: 0.08
0.01
3.82
Equity-to-Asset 0.15
CFFN's Equity-to-Asset is ranked higher than
86% of the 1386 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.11 vs. CFFN: 0.15 )
Ranked among companies with meaningful Equity-to-Asset only.
CFFN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.12 Max: 0.21
Current: 0.15
0.1
0.21
Debt-to-Equity 1.62
CFFN's Debt-to-Equity is ranked lower than
78% of the 1222 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.72 vs. CFFN: 1.62 )
Ranked among companies with meaningful Debt-to-Equity only.
CFFN' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04  Med: 2.31 Max: 4.21
Current: 1.62
0.04
4.21
Debt-to-EBITDA 9.87
CFFN's Debt-to-EBITDA is ranked lower than
92% of the 1236 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.99 vs. CFFN: 9.87 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CFFN' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 9.87
Current: 9.87
0
9.87
Beneish M-Score: -2.49
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Net Margin % 44.52
CFFN's Net Margin % is ranked higher than
91% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 23.34 vs. CFFN: 44.52 )
Ranked among companies with meaningful Net Margin % only.
CFFN' s Net Margin % Range Over the Past 10 Years
Min: 19.82  Med: 35.03 Max: 44.52
Current: 44.52
19.82
44.52
ROE % 7.23
CFFN's ROE % is ranked lower than
61% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.73 vs. CFFN: 7.23 )
Ranked among companies with meaningful ROE % only.
CFFN' s ROE % Range Over the Past 10 Years
Min: 2.65  Med: 5.61 Max: 7.32
Current: 7.23
2.65
7.32
ROA % 1.08
CFFN's ROA % is ranked higher than
62% of the 1396 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. CFFN: 1.08 )
Ranked among companies with meaningful ROA % only.
CFFN' s ROA % Range Over the Past 10 Years
Min: 0.43  Med: 0.8 Max: 1.08
Current: 1.08
0.43
1.08
3-Year Revenue Growth Rate 3.00
CFFN's 3-Year Revenue Growth Rate is ranked lower than
57% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. CFFN: 3.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CFFN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -6.3  Med: 4.2 Max: 142
Current: 3
-6.3
142
3-Year EPS without NRI Growth Rate 4.00
CFFN's 3-Year EPS without NRI Growth Rate is ranked lower than
53% of the 1163 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.80 vs. CFFN: 4.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CFFN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 4 Max: 46.3
Current: 4
0
46.3
GuruFocus has detected 2 Warning Signs with Capitol Federal Financial Inc CFFN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CFFN's 30-Y Financials

Financials (Next Earnings Date: 2018-10-26)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2017

CFFN Guru Trades in Q3 2017

Jim Simons 7,933,886 sh (+3.28%)
Mario Gabelli 20,000 sh (unchged)
Ken Fisher 1,974,248 sh (-5.54%)
» More
Q4 2017

CFFN Guru Trades in Q4 2017

Pioneer Investments 22,500 sh (New)
HOTCHKIS & WILEY 89,109 sh (New)
First Pacific Advisors 962,683 sh (New)
FPA Capital Fund 306,449 sh (New)
Jim Simons 8,210,297 sh (+3.48%)
Mario Gabelli 20,000 sh (unchged)
Ken Fisher 929,944 sh (-52.90%)
» More
Q1 2018

CFFN Guru Trades in Q1 2018

FPA Capital Fund 623,849 sh (+103.57%)
First Pacific Advisors 1,546,593 sh (+60.65%)
Jim Simons 8,354,697 sh (+1.76%)
HOTCHKIS & WILEY 90,103 sh (+1.12%)
Pioneer Investments 22,500 sh (unchged)
Mario Gabelli 20,000 sh (unchged)
Ken Fisher Sold Out
» More
Q2 2018

CFFN Guru Trades in Q2 2018

HOTCHKIS & WILEY 265,536 sh (+194.70%)
Mario Gabelli 30,000 sh (+50.00%)
First Pacific Advisors 1,804,248 sh (+16.66%)
FPA Capital Fund 639,711 sh (+2.54%)
Jim Simons 8,366,497 sh (+0.14%)
Pioneer Investments 22,500 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CFFN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
FPA Capital Fund 2018-06-30 Add 2.54%0.09%$12.27 - $13.65 $ 12.87-1%639,711
HOTCHKIS & WILEY 2018-06-30 Add 194.70%0.01%$12.27 - $13.65 $ 12.87-1%265,536
Mario Gabelli 2018-06-30 Add 50.00%$12.27 - $13.65 $ 12.87-1%30,000
FPA Capital Fund 2018-03-31 Add 103.57%1.48%$12.27 - $13.74 $ 12.87-1%623,849
HOTCHKIS & WILEY 2018-03-31 Add 1.12%$12.27 - $13.74 $ 12.87-1%90,103
Ken Fisher 2018-03-31 Sold Out 0.02%$12.27 - $13.74 $ 12.87-1%0
Ken Fisher 2017-12-31 Reduce -52.90%0.02%$13.27 - $14.98 $ 12.87-8%929,944
FPA Capital Fund 2017-12-31 New Buy1.45%$13.27 - $14.98 $ 12.87-8%306,449
HOTCHKIS & WILEY 2017-12-31 New Buy$13.27 - $14.98 $ 12.87-8%89,109
Ken Fisher 2017-09-30 Reduce -5.54%$13.34 - $14.76 $ 12.87-8%1,974,248
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:NWBI, NYSE:PFS, NYSE:FBC, NAS:KRNY, NAS:OCFC, NAS:LOB, NAS:CASH, NAS:EBSB, NAS:BOFI, NAS:UBNK, OSTO:NDX, NAS:WAFD, NAS:DCOM, NAS:FFIC, NZSE:HBL, NAS:HMST, NAS:FDEF, NAS:HONE, NAS:UCFC, NAS:WSBF » details
Traded in other countries:CFW.Germany,
Headquarter Location:USA
Capitol Federal Financial Inc is a financial services company operating through its subsidiary. It offers construction loans and other consumer loans and retail deposit accounts, including checking, savings, money market, IRA and certificates of deposit.

Capitol Federal Financial Inc is a bank holding company that operates through its wholly owned subsidiary bank, Capitol Federal Savings Bank. The bank is a community-oriented financial institution that offers a variety of financial services through tens of locations. It primarily serves metropolitan areas within the state of Kansas. The bank performs traditional banking functions such as deposit-taking activities, investing that money in first-lien residential mortgages. It also participates in commercial real estate loans with other lenders, investing those funds in various securities. The vast majority of the bank's loan portfolio is in originated one- to four-family real estate loans. Its primary source of income is net interest income.

Top Ranked Articles about Capitol Federal Financial Inc

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Capitol Federal® Financial, Inc. Announces Quarterly Dividend
Capitol Federal® Financial, Inc. Announces True Blue® Capitol Dividend
Analysis: Positioning to Benefit within United Natural Foods, Capitol Federal Financial, Royal Gold, Celsion, National CineMedia, and Nu Skin Enterprises — Research Highlights Growth, Revenue, and Consolidated Results
Capitol Federal® Financial, Inc. Announces The Acquisition Of Capital City Bancshares
Capitol Federal® Financial, Inc. Announces Quarterly Dividend
First Pacific Advisors' Top 5 Buys of the 4th Quarter California-based firm releases portfolio
On Friday, First Pacific Advisors (Trades, Portfolio) announced 41 new stock buys for the fourth quarter. Read more...
Capitol Federal® Financial, Inc. Announces Quarterly Dividend
Capitol Federal® Financial, Inc. Announces Annual Meeting Presentation Available On Website

Ratios

vs
industry
vs
history
PE Ratio 17.38
CFFN's PE Ratio is ranked lower than
65% of the 1278 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.76 vs. CFFN: 17.38 )
Ranked among companies with meaningful PE Ratio only.
CFFN' s PE Ratio Range Over the Past 10 Years
Min: 16.81  Med: 25.19 Max: 89.7
Current: 17.38
16.81
89.7
PE Ratio without NRI 17.38
CFFN's PE Ratio without NRI is ranked lower than
65% of the 1278 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.76 vs. CFFN: 17.38 )
Ranked among companies with meaningful PE Ratio without NRI only.
CFFN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 16.81  Med: 25.19 Max: 89.7
Current: 17.38
16.81
89.7
Price-to-Owner-Earnings 20.92
CFFN's Price-to-Owner-Earnings is ranked lower than
75% of the 813 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.15 vs. CFFN: 20.92 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CFFN' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.52  Med: 26.66 Max: 117.17
Current: 20.92
5.52
117.17
PB Ratio 1.34
CFFN's PB Ratio is ranked lower than
57% of the 1383 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. CFFN: 1.34 )
Ranked among companies with meaningful PB Ratio only.
CFFN' s PB Ratio Range Over the Past 10 Years
Min: 0.86  Med: 1.3 Max: 4.13
Current: 1.34
0.86
4.13
PS Ratio 7.87
CFFN's PS Ratio is ranked lower than
93% of the 1373 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. CFFN: 7.87 )
Ranked among companies with meaningful PS Ratio only.
CFFN' s PS Ratio Range Over the Past 10 Years
Min: 7.49  Med: 8.99 Max: 22.29
Current: 7.87
7.49
22.29
Price-to-Free-Cash-Flow 15.90
CFFN's Price-to-Free-Cash-Flow is ranked lower than
67% of the 754 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.61 vs. CFFN: 15.90 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CFFN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.3  Med: 21.88 Max: 65.17
Current: 15.9
5.3
65.17
Price-to-Operating-Cash-Flow 14.63
CFFN's Price-to-Operating-Cash-Flow is ranked lower than
69% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.07 vs. CFFN: 14.63 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CFFN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.24  Med: 19.02 Max: 51.73
Current: 14.63
5.24
51.73
EV-to-Revenue 17.13
CFFN's EV-to-Revenue is ranked lower than
95% of the 1151 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.50 vs. CFFN: 17.13 )
Ranked among companies with meaningful EV-to-Revenue only.
CFFN' s EV-to-Revenue Range Over the Past 10 Years
Min: 16.6  Med: 20.7 Max: 42.6
Current: 17.13
16.6
42.6
Shiller PE Ratio 23.48
CFFN's Shiller PE Ratio is ranked lower than
62% of the 573 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.24 vs. CFFN: 23.48 )
Ranked among companies with meaningful Shiller PE Ratio only.
CFFN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 22.72  Med: 41.56 Max: 72.04
Current: 23.48
22.72
72.04

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.65
CFFN's Dividend Yield % is ranked lower than
52% of the 2530 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. CFFN: 2.65 )
Ranked among companies with meaningful Dividend Yield % only.
CFFN' s Dividend Yield % Range Over the Past 10 Years
Min: 2.05  Med: 2.59 Max: 8.59
Current: 2.65
2.05
8.59
Dividend Payout Ratio 0.46
CFFN's Dividend Payout Ratio is ranked lower than
66% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. CFFN: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CFFN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.46  Med: 0.63 Max: 2.86
Current: 0.46
0.46
2.86
3-Year Dividend Growth Rate 4.30
CFFN's 3-Year Dividend Growth Rate is ranked lower than
59% of the 790 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. CFFN: 4.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CFFN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 54.9
Current: 4.3
0
54.9
Forward Dividend Yield % 2.65
CFFN's Forward Dividend Yield % is ranked lower than
57% of the 2459 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. CFFN: 2.65 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.10
CFFN's 5-Year Yield-on-Cost % is ranked lower than
54% of the 2507 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.30 vs. CFFN: 3.10 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CFFN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.4  Med: 3.03 Max: 10.06
Current: 3.1
2.4
10.06
3-Year Average Share Buyback Ratio 0.60
CFFN's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 975 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.40 vs. CFFN: 0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CFFN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.3  Med: 2.4 Max: 7
Current: 0.6
-0.3
7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.33
CFFN's Price-to-Tangible-Book is ranked higher than
50% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. CFFN: 1.33 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CFFN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.8  Med: 1.52 Max: 922
Current: 1.33
0.8
922
Price-to-Intrinsic-Value-Projected-FCF 0.93
CFFN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
61% of the 867 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. CFFN: 0.93 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CFFN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.55  Med: 1.02 Max: 1.79
Current: 0.93
0.55
1.79
Price-to-Median-PS-Value 0.87
CFFN's Price-to-Median-PS-Value is ranked higher than
78% of the 1305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. CFFN: 0.87 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CFFN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.03 Max: 2.49
Current: 0.87
0.53
2.49
Price-to-Graham-Number 1.01
CFFN's Price-to-Graham-Number is ranked lower than
52% of the 1212 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. CFFN: 1.01 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CFFN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.68  Med: 1.25 Max: 3.56
Current: 1.01
0.68
3.56

More Statistics

Revenue (TTM) (Mil) $220.46
EPS (TTM) $ 0.74
Beta0.49
Volatility14.19%
52-Week Range $12.19 - 15.11
Shares Outstanding (Mil)138.26

Analyst Estimate

Sep18 Sep19
Revenue (Mil $) 223 229
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 0.77 0.77
EPS without NRI ($) 0.77 0.77
EPS Growth Rate
(Future 3Y To 5Y Estimate)
5.00%
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

Personalized Checklist

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