CFFN · Capitol Federal Financial, Inc.

Track CFFN — free

$8.49 -0.15 (-1.74%) At close · Aug 19

Market Cap

$1.09B

125.70M

Up next

Next earnings call

Oct 28, 2026 Est · unconfirmed · in 10 wks

FQ4-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 7, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Very Strong Sentiment Bearish Fundamentals Strong Quant / Vol Very Low

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +13%

above

Price vs 50-day avg −1%

below

RSI (14) 40

neutral

MACD trend Negative

52-week position 78%

mid-range

Momentum

relative strength

Very Strong

1-month return −1%

trailing

6-month return +14%

trailing

YTD return +25%

this year

Relative strength +3%

vs S&P · 6-mo

Sentiment

smart money

Bearish

Trend (MA cross) No cross

50d $9 › 200d $8 — 50d above 200d

Institutional flow Distributing

-4% holders QoQ · +24 funds added

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

5.32% of float · ▲ +8.8% MoM · 7.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

244 holders — mid 3-yr range

Squeeze score 66

elevated · 0–100

Fundamentals

Strong

Revenue growth +7%

Y/Y

EPS growth +79%

Y/Y

Free cash flow $49.8M

Valuation P/E 13.3

in line

Buyback $54.8M

remaining

Balance sheet $2.6B

net debt

Quant / Vol

risk profile

Very Low

Volatility 25%

annualized · 1-yr

Max drawdown −11%

past year

ATR 2.3%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Latest guidance · from the 8-K filed Jul 29, 2026

fiscal year

Net commercial loan growth 20%

current fiscal year

Total loans receivable, net growth 1%

Total loans receivable, net 1%

remainder of fiscal year 2026

Regular quarterly cash dividend $0.09

the quarter ending September 30, 2026

Net commercial loan balances 3%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+13% Bullish

Price vs 50-day avg

−1% Neutral

RSI (14)

40 Neutral

MACD trend

Negative Bearish

52-week position

78% Neutral

Market signals — smart money & positioning

Bearish · 2 of 6

Trend (MA cross) No cross

50d $9 › 200d $8 — 50d above 200d

Institutional flow Distributing

-4% holders QoQ · +24 funds added

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

5.32% of float · ▲ +8.8% MoM · 7.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

244 holders — mid 3-yr range

Price context

position in its 52-week range

Range low $6 Now $8 · 78% Range high $9

vs 200-day avg +13% vs 50-day avg -1%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
ACL to loans receivable at end of period	0.32%	Three Months Ended June 30, 2026	—
ACL to non-performing loans at end of period	50.9	Three Months Ended June 30, 2026	—
Borrowings / Total assets	16.93%	At 6/30/2026	—
commercial deposits growth	24.3M	Q3 FY2026	—

Commercial loans / Total loans	30.18%	At 6/30/2026	—
commercial loans as percentage of loan portfolio	30%	Q3 FY2026	—

Commercial non-interest-bearing deposits	$34.5M	Nine Months Ended June 30, 2026	—
Community bank leverage ratio	9.6%	As of June 30, 2026	—
Deposits / Total assets	70.9%	At 6/30/2026	—
dividend per share	$0.09	Q3 FY2026	—

Efficiency ratio	52.72%	Nine Months Ended June 30, 2026	—

Equity to total assets at end of period	10.6%	As of June 30, 2026	—
Liquidity available	$4.22B	As of June 30, 2026	—
Net interest margin	2.25%	Nine Months Ended June 30, 2026	—

Net shares outstanding	123,362,300	As of June 30, 2026	—
Operating expense ratio	1.25%	Nine Months Ended June 30, 2026	—

Operating expense ratio (annualized)	1.25%	For the Three Months Ended June 30, 2026	—
Ratio of net charge-offs (recoveries) during the period to average non-performing assets	0.28%	Three Months Ended June 30, 2026	—
Shares of common stock repurchased	6,369,946	Nine Months Ended June 30, 2026	—
Tangible book value per share	$8.04	As of June 30, 2026	—

Total shares outstanding	125,708,883	As of July 23, 2026	—
Weighted average LTV for commercial real estate and construction loan originations/participation	70%	Nine Months Ended June 30, 2026	—
Weighted average LTV for commercial real estate and construction loan portfolios	63%	As of June 30, 2026	—
Weighted average LTV for commercial real estate and construction loans originated	71%	Three Months Ended June 30, 2026	—
commercial deposits	548.1M	the second quarter of fiscal year 2026	—

commercial loan growth	201.8M	the second quarter of fiscal year 2026	—

commercial loan portfolio	2.32B	the second quarter of fiscal year 2026	—

average price per share for repurchases	$6.86	the first quarter of fiscal year 2026	—
commercial loans closed	364.6M	the first quarter of fiscal year 2026	—
shares repurchased	2,376,633	the first quarter of fiscal year 2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
CFFN Capitol Federal Financial, Inc. this stock	$1.09B	+24.7%	+6.5%	13.3	5.3%
MFG Mizuho Financial Group Inc	$131.93B	+38.5%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.6%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-1.2%	—	—	0.5%
PNC Pnc Financial Services Group, Inc.	$101.11B	+18.1%	+7.2%	14.0	1.8%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

244

% held: 81.2%
Net QoQ: +362.0K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

264

View

Short & Settlement

Short Interest Rising

Shares short

6.7M

Days to cover: 7.2d
Change: +541.5K sh

View

Short Volume

Short vol %

57%

As of: Aug 19, 2026

Short Total

View

Fails to Deliver

FTD shares

4.2K

Value: $36.3K
As of: Jul 16, 2026

View

Off-Exchange

Off-exchange %

23.5%

Week of: Jul 13, 2026

Off-exch Lit

View

Financials

Revenue (FY)

$16.3M

Net income (FY): $68.0M
EPS diluted: $0.52

View

Buybacks

Remaining

$54.8M

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 7, 2026
This year: 9

View

Earnings & Events

Earnings Calls

Last call

Jul 29, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
CFFN	-4.4%	-1.2%	+14.3%	-4.0%	+24.7%
SPY	-0.4%	+2.9%	+11.6%	+3.0%	+12.8%
vs SPY	-4.0%	-4.1%	+2.7%	-6.9%	+11.9%

Capital returns

Latest dividend

$0.085 / share · ex Aug 7, 2026

Raised 112.5%

Paid (TTM)

$0.38 / share · 5 payouts

Dividend yield (TTM, derived)

4.48%

Buyback program · as of Dec 31, 2025

Authorized

—

Spent (derived)

—

Remaining

$54.80M

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1490906 CUSIP 14057J101 13F (30d) 223 filings 218 filers Visit website Investor relations

CFFN · Capitol Federal Financial, Inc.

Price & Indicators

Up next

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns