Capitol Federal FinancialFRA:CFW +2.90%31 PB Ratio is 1.00 as of Jun. 24, 2026, which is 19% below its 10-year median of 1.24. GuruFocus rates FRA:CFW with a GF Score™ of 31/100. The stock has 5 warning signs investors should review. Among 1,516 Banks companies, Capitol Federal Financial ranks better than 57.06% on this metric.
Capitol Federal Financial Inc stock PB Ratio (=1.01) is close to 3-year high of 1.01.
The historical rank and industry rank for Capitol Federal Financial's PB Ratio or its related term are showing as below:
FRA:CFW'
s PB Ratio Range Over the Past 10 Years
Min: 0.56 Med: 1.24 Max: 1.65
Current: 1.04
During the past 13 years, Capitol Federal Financial's highest PB Ratio was 1.65. The lowest was 0.56. And the median was 1.24.
FRA:CFW's PB Ratio is ranked better than 57.06% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs FRA:CFW: 1.04
During the past 12 months, Capitol Federal Financial's average Book Value Per Share Growth Rate was 2.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -3.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -3.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Capitol Federal Financial was 30.60% per year. The lowest was -6.10% per year. And the median was -1.50% per year.
Back to Basics: PB Ratio
Capitol Federal Financial (FRA:CFW) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Capitol Federal Financial PB Ratio Related Terms
Capitol Federal Financial PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Capitol Federal Financial's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Capitol Federal Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Capitol Federal Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Capitol Federal Financial (FRA:CFW) has a PB Ratio of 1.00 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Capitol Federal Financial and its competitors. This is 19% below median its historical median of 1.24. Over the past decade, Capitol Federal Financial's PB Ratio has ranged from 0.56 to 1.65. According to the industry distribution chart, Capitol Federal Financial ranks #651 out of 1516 companies in the Banks industry, placing it in the top 42.9%.
Is Capitol Federal Financial's PB Ratio too high?
Capitol Federal Financial's current PB Ratio of 1.00 is 19% below median its 10-year median of 1.24. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 1.65. The Banks industry median PB Ratio is 1.08. Capitol Federal Financial's value of 1.00 is 7.4% below this industry median. Based on the distribution chart, Capitol Federal Financial ranks #651 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Capitol Federal Financial has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Capitol Federal Financial's PB Ratio compare to AMTB and SBSI?
According to the Banks industry distribution chart, Capitol Federal Financial ranks #651 out of 1516 companies for PB Ratio. This puts Capitol Federal Financial in the upper half of its industry. The industry median PB Ratio is 1.08. Capitol Federal Financial's value of 1.00 is 7.4% below this benchmark. Historically, Capitol Federal Financial's own PB Ratio has ranged from 0.56 to 1.65 over the past decade. While the company's 10-year median is 1.24 vs. the industry median of 1.08, Capitol Federal Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capitol Federal Financial's current PB Ratio of 1.00 is 7.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Capitol Federal Financial and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitol Federal Financial's current PB Ratio is 1.00, which is 19% below median its own 10-year median of 1.24. 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 PB Ratio of 1.00. The current PB Ratio is 1.00, which is 19% below median its 10-year median of 1.24 and 7.4% below the Banks industry median of 1.08. Capitol Federal Financial's overall GF Score™ is 31/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Capitol Federal Financial (FRA:CFW), the current PB Ratio is 1.00 as of Jun. 24, 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 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.
31GF Score
Get the complete analysis for FRA:CFW
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:CFW has been successfully added to your 
