Capitol Federal FinancialFRA:CFW +2.90%31 ROA % is 0.83% as of Mar. 2026, which is 1% below its 10-year median of 0.84. GuruFocus rates FRA:CFW with a GF Score™ of 31/100. The stock has 5 warning signs investors should review. Among 1,529 Banks companies, Capitol Federal Financial ranks worse than 62.52% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Capitol Federal Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was €69.7 Mil.
Capitol Federal Financial's average Total Assets over the quarter that ended in Mar. 2026 was €8,426.5 Mil. Therefore, Capitol Federal Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 0.83%.
The historical rank and industry rank for Capitol Federal Financial's ROA % or its related term are showing as below:
FRA:CFW'
s ROA % Range Over the Past 10 Years
Min: -1.03 Med: 0.84 Max: 1.06
Current: 0.8
During the past 13 years, Capitol Federal Financial's highest ROA % was 1.06%. The lowest was -1.03%. And the median was 0.84%.
FRA:CFW's ROA % is ranked worse than 62.52% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs FRA:CFW: 0.80
Capitol Federal Financial (FRA:CFW) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Capitol Federal Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Capitol Federal Financial's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Capitol Federal Financial (FRA:CFW) has a ROA % of 0.83% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Capitol Federal Financial and its competitors. This is near median its historical median of 0.84. According to the industry distribution chart, Capitol Federal Financial ranks #956 out of 1529 companies in the Banks industry, placing it in the top 62.5%.
Is Capitol Federal Financial's ROA % too high?
Capitol Federal Financial's current ROA % of 0.83% is near median its 10-year median of 0.84. The Banks industry median ROA % is 0.98. Capitol Federal Financial's value of 0.83% is 15.3% below this industry median. Based on the distribution chart, Capitol Federal Financial ranks #956 out of 1529 companies in the Banks industry, which is below 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 ROA % compare to AMTB and SBSI?
According to the Banks industry distribution chart, Capitol Federal Financial ranks #956 out of 1529 companies for ROA %. This places Capitol Federal Financial in the lower half of its industry. The industry median ROA % is 0.98. Capitol Federal Financial's value of 0.83% is 15.3% below this benchmark. While the company's 10-year median is 0.84 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capitol Federal Financial's current ROA % of 0.83% is 15.3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Capitol Federal Financial and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capitol Federal Financial's current ROA % is 0.83%, which is near median its own 10-year median of 0.84. 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 ROA % of 0.83%. The current ROA % is 0.83%, which is near median its 10-year median of 0.84 and 15.3% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Capitol Federal Financial (FRA:CFW), the current ROA % is 0.83% as of Mar. 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
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