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1. Company Snapshot

1.a. Company Description

Capitol Federal Financial, Inc.operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States.The company accepts a range of deposit products, including savings accounts, money market deposit accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit.


It also provides various loan products, such as one- to four-family residential real estate loans, commercial real estate, commercial and industrial, and construction loans, as well as consumer loans, which include home equity, loans and lines of credit, home improvement loans, vehicle loans, and loans secured by saving deposits.In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities.It operates a network of 54 branches, including 45 traditional branches and nine in-store branches located in nine counties throughout Kansas and two counties in Missouri.


The company serves the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, Kansas, and a portion of the metropolitan area of greater Kansas City.Capitol Federal Financial, Inc.was founded in 1893 and is headquartered in Topeka, Kansas.

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1.b. Last Insights on CFFN

The recent performance of Capitol Federal Financial, Inc. was driven by strong Q1 2024 earnings and revenue beats, exceeding analyst estimates. The company's quarterly earnings of $0.12 per share surpassed expectations, compared to $0.10 per share a year ago. Additionally, the Mortgage Bankers Association has lowered its 2025 estimates, which may reduce the company's loan growth, however, the housing market is expected to remain strong, supporting loan growth near historical norms.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Ensign Peak Advisors Inc Sells 16,450 Shares of Capitol Federal Financial $CFFN

Dec -01

Source: defenseworld.net

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Intech Investment Management LLC Cuts Stock Holdings in Capitol Federal Financial $CFFN

Dec -01

Source: defenseworld.net

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Capitol Federal Financial: Low Residential Loan Growth To Lift The Bottom Line, Maintain Buy

Nov -14

Source: seekingalpha.com

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Brighton Jones LLC Takes $91,000 Position in Capitol Federal Financial $CFFN

Nov -02

Source: defenseworld.net

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Focus Partners Advisor Solutions LLC Sells 51,925 Shares of Capitol Federal Financial $CFFN

Nov -02

Source: defenseworld.net

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Mutual of America Capital Management LLC Sells 2,095 Shares of Capitol Federal Financial $CFFN

Oct -31

Source: defenseworld.net

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Capitol Federal Financial, Inc.® Reports Fourth Quarter and Fiscal Year 2025 Results

Oct -29

Source: businesswire.com

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Capitol Federal Financial (CFFN) Expected to Announce Earnings on Wednesday

Oct -22

Source: defenseworld.net

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (7.40%)

6. Segments

Community Banking

Expected Growth: 7.4%

Strong loan growth driven by commercial and residential mortgage lending, coupled with strategic branch expansion and deposit growth initiatives, contribute to Capitol Federal Financial, Inc.'s 7.4% community banking growth. Additionally, effective cost management and improved operating efficiency also support this growth.

7. Detailed Products

Checking Accounts

Capitol Federal Financial, Inc. offers various checking accounts designed to meet the unique needs of individuals, families, and businesses.

Savings Accounts

The company provides a range of savings accounts that offer competitive interest rates and flexible terms to help customers achieve their savings goals.

Certificates of Deposit (CDs)

Capitol Federal Financial, Inc. offers CDs with fixed interest rates and terms ranging from a few months to several years.

Mortgage Loans

The company provides a variety of mortgage loan options, including fixed-rate and adjustable-rate loans, to help customers purchase or refinance a home.

Home Equity Loans and Lines of Credit

Capitol Federal Financial, Inc. offers home equity loans and lines of credit that allow customers to borrow against the equity in their home.

Personal Loans

The company provides personal loans with fixed rates and terms, which can be used for various purposes such as debt consolidation, weddings, or vacations.

Credit Cards

Capitol Federal Financial, Inc. offers a range of credit cards with competitive rates, rewards, and benefits.

Investment Services

The company provides investment services, including brokerage accounts, IRAs, and retirement planning, to help customers achieve their long-term financial goals.

Insurance Services

Capitol Federal Financial, Inc. offers insurance services, including life insurance, disability insurance, and long-term care insurance.

8. Capitol Federal Financial, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Capitol Federal Financial, Inc. is medium due to the availability of alternative financial institutions and online banking services.

Bargaining Power Of Customers

The bargaining power of customers for Capitol Federal Financial, Inc. is low due to the lack of negotiating power of individual customers.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Capitol Federal Financial, Inc. is medium due to the presence of multiple suppliers of financial services and technology.

Threat Of New Entrants

The threat of new entrants for Capitol Federal Financial, Inc. is high due to the ease of entry into the financial services industry and the presence of fintech companies.

Intensity Of Rivalry

The intensity of rivalry for Capitol Federal Financial, Inc. is high due to the presence of multiple competitors in the financial services industry and the need to differentiate itself.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 73.78%
Debt Cost 5.66%
Equity Weight 26.22%
Equity Cost 6.19%
WACC 5.80%
Leverage 281.43%

11. Quality Control: Capitol Federal Financial, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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A-Score: 4.2/10

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A-Score: 4.2/10

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Growth: 2.1

Quality: 2.6

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

6.67$

Current Price

6.67$

Potential

-0.00%

Expected Cash-Flows