Capitol Federal Financial (FRA:CFW) Moat Score: 4/10 (As of Aug. 11, 2026)

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FRA:CFW Capitol Federal Financial Inc FRA:CFW
37 GF Score
Price €7.50
! 4 Warning Signs
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What is Capitol Federal Financial Moat Score?

Capitol Federal Financial FRA:CFW -0.66% 37 Moat Score is 4 as of Aug. 11, 2026. GuruFocus rates FRA:CFW with a GF Score™ of 37/100. The stock has 4 warning signs investors should review. Among 1,610 Banks companies, Capitol Federal Financial ranks better than 86.27% on this metric.

Capitol Federal Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Capitol Federal Financial has Narrow Moat: Capitol Federal Financial Inc has a modest moat due to its regional market leadership and customer loyalty. However, it lacks significant network effects, intellectual property, or regulatory barriers. Its cost advantages are limited to economies of scale in its local market.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Capitol Federal Financial might have Narrow Moat - Discernible but modest moat.

Capitol Federal Financial  (FRA:CFW) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Capitol Federal Financial Moat Score Related Terms

FRA:CFW vs AGBK, CCB, MCBS: Moat Score Comparison

For the Banks - Regional subindustry, Capitol Federal Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Capitol Federal Financial Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Capitol Federal Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Capitol Federal Financial's Moat Score falls into.


FRA:CFW
37GF Score
Capitol Federal Financial Inc FRA:CFW
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Capitol Federal Financial (FRA:CFW) has a Moat Score of 4 as of Aug. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Capitol Federal Financial ranks #221 out of 1610 companies in the Banks industry, placing it in the top 13.7%.
Is Capitol Federal Financial's Moat Score too high?
Capitol Federal Financial's current Moat Score is 4. Based on the distribution chart, Capitol Federal Financial ranks #221 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Capitol Federal Financial has a GF Score™ of 37/100, reflecting its overall financial health beyond just this single metric.
How does Capitol Federal Financial's Moat Score compare to AGBK and CCB?
According to the Banks industry distribution chart, Capitol Federal Financial ranks #221 out of 1610 companies for Moat Score. This places Capitol Federal Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Capitol Federal Financial's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capitol Federal Financial stock overvalued right now?
Capitol Federal Financial (FRA:CFW) has a current Moat Score of 4. The current Moat Score is 4. Capitol Federal Financial's overall GF Score™ is 37/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Capitol Federal Financial (FRA:CFW), the current Moat Score is 4 as of Aug. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Capitol Federal Financial Business Description

Other Exchanges CFFN:USA
Address 700 South Kansas Avenue, Topeka, KS, USA, 66603
Capitol Federal Financial Inc is a bank holding company that operates through its wholly-owned subsidiary bank. The bank is a community-oriented financial institution that offers a variety of financial services through tens of locations. It mainly serves metropolitan areas within the state of Kansas. The bank performs traditional banking functions such as deposit-taking activities and 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.
37GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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