Capitol Federal Financial, Inc.(CFFN)Stock Analysis
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Rank #2,058 of 2,879 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CFFN Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Capitol Federal Financial, Inc. (CFFN), a Financials sector company. 13F Pro's AI-powered ranking engine scores CFFN at 37.4/100 on a 32-signal composite quality model, placing it at rank #2,058 of 2,879 stocks — the bottom half of the AI-ranked universe. CFFN scores in the top quartile across earnings quality (85.3), institutional flow (81.4). Areas of concern include revenue growth (30.0) and profitability (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 37.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Capitol Federal Financial, Inc. reports quarterly revenue of $57.7M, net income of $20.1M, an operating margin of 43.5%. Top institutional holders of CFFN by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. CFFN trades on the Nasdaq exchange and files with the SEC under CIK 1490906. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CFFN daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Capitol Federal Financial, Inc. directly from SEC EDGAR. Capitol Federal Financial, Inc.'s 13F Pro composite quality score has ranged between 37 and 53 since 2021, currently 37.4 — a declining long-term trajectory across 28 quarterly and live scoring snapshots.
Revenue
Q2 2026
$57.7M
Net Income
Q2 2026
$20.1M
Free Cash Flow
Q2 2026
$20.1M
Operating Margin
Q2 2026
43.5%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+6.5% YoYNet Income
+79.0% YoYEPS (Diluted)
+79.3% YoYTotal Assets
+2.6% YoYTotal Debt
-10.5% YoYOp. Cash Flow
+76.5% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|
| Revenue | $16.3M +6.5% | $15.3M -13.1% | $17.6M +18.9% | $14.8M -10.8% | $16.6M +6.2% | $15.6M |
| Net Income | $68.0M +79.0% | $38.0M +137.4% | $-101.7M -257.5% | $64.5M -31.5% | $94.2M -4.7% | $98.9M |
| EPS (Diluted) | $0.52 +79.3% | $0.29 +138.2% | $-0.76 -261.7% | $0.47 -30.9% | $0.68 -6.8% | $0.73 |
| Total Assets | $9.78B +2.6% | $9.53B -6.4% | $10.18B +7.3% | $9.49B +1.6% | $9.34B -1.2% | $9.45B |
| Total Debt | $1.95B -10.5% | $2.18B -24.3% | $2.88B | — | — | — |
| Operating Cash Flow | $55.0M +76.5% | $31.2M -34.4% | $47.5M -48.9% | $92.9M +14.8% | $80.9M -34.8% | $124.2M |
AI Insight: CFFN Financial Trends
CFFN's net income doubled from $10M to $20M over eight quarters while total debt fell $585M, signaling a meaningful earnings recovery alongside deliberate deleveraging.
• Net income doubled from $10M in Q2 2024 to $20M in Q1 2026, representing eight consecutive quarters of improvement or stability.
• Total debt contracted sharply from $2,292M in Q2 2024 to $1,707M in Q1 2026, a $585M reduction over eight quarters.
• Operating cash flow turned volatile — swinging from $19M in Q2 2024 to -$3M in Q3 2024, then recovering to $22M in Q3 2025.
• Equity remained range-bound between $1,021M and $1,048M throughout the period, reflecting limited retained-earnings accumulation.
⚠ Equity dipped from $1,048M in Q3 2025 to $1,026M in Q1 2026 — first sequential decline in several quarters; warrants monitoring.
⚠ Operating cash flow remains inconsistent quarter-to-quarter; sustained conversion of rising net income into stable OCF is unconfirmed.
⚠ Debt reduction pace is accelerating — if maintained, interest expense relief could further expand net income in coming quarters.
AI Insight: CFFN Ratio Trends
CFFN's return metrics have nearly doubled from Q2 2024 lows while leverage has declined steadily, signaling a clear profitability recovery.
• ROE expanded from 3.8% in Q2 2024 to 7.9% in Q1 2026, nearly doubling over five quarters.
• ROIC improved from 1.9% in Q2 2024 to 3.7% in Q1 2026, a near-doubling in capital efficiency.
• D/E ratio declined from 2.25 in Q2 2024 to 1.66 in Q1 2026, reflecting consistent deleveraging.
• ROA held steady at 0.8% for four consecutive quarters through Q1 2026, suggesting stabilizing asset productivity.
⚠ ROA remains low at 0.8% — any net interest margin compression could quickly stall the profitability recovery.
⚠ D/E at 1.66 is improving but still elevated; pace of deleveraging warrants monitoring.
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Available Research
13F Pro tracks comprehensive data for Capitol Federal Financial, Inc. including:
Top Institutional Holders of CFFN
BlackRock, Inc.
$129.5M18,167,603 shDIMENSIONAL FUND ADVISORS LP
$48.4M6,790,130 shVANGUARD PORTFOLIO MANAGEMENT LLC
$47.7M6,687,514 shHoldCo Asset Management, LP
$46.1M6,466,059 shSTATE STREET CORP
$43.3M6,070,315 shVANGUARD CAPITAL MANAGEMENT LLC
$37.0M5,189,801 shRENAISSANCE TECHNOLOGIES LLC
$29.7M4,168,897 shAQR CAPITAL MANAGEMENT LLC
$27.0M3,790,182 shARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$23.3M3,264,146 shGEODE CAPITAL MANAGEMENT, LLC
$22.0M3,086,641 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $129.5M | 18,167,603 |
| DIMENSIONAL FUND ADVISORS LP | $48.4M | 6,790,130 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $47.7M | 6,687,514 |
| HoldCo Asset Management, LP | $46.1M | 6,466,059 |
| STATE STREET CORP | $43.3M | 6,070,315 |
| VANGUARD CAPITAL MANAGEMENT LLC | $37.0M | 5,189,801 |
| RENAISSANCE TECHNOLOGIES LLC | $29.7M | 4,168,897 |
| AQR CAPITAL MANAGEMENT LLC | $27.0M | 3,790,182 |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $23.3M | 3,264,146 |
| GEODE CAPITAL MANAGEMENT, LLC | $22.0M | 3,086,641 |
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Popular Research
Is CFFN a good stock to buy?
13F Pro's AI-powered analysis of Capitol Federal Financial, Inc. (CFFN) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CFFN are available on the CFFN stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CFFN?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CFFN. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Capitol Federal Financial, Inc.'s investment landscape.