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AI Summary - About
CFFN 
Capitol Federal Financial Inc (CFFN)
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Upturn Advisory Summary
02/20/2025: CFFN (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -6.89% | Avg. Invested days 29 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 775.77M USD | Price to earnings Ratio 15.28 | 1Y Target Price 6.75 |
Price to earnings Ratio 15.28 | 1Y Target Price 6.75 | ||
Volume (30-day avg) 713778 | Beta 0.48 | 52 Weeks Range 4.49 - 7.10 | Updated Date 02/20/2025 |
52 Weeks Range 4.49 - 7.10 | Updated Date 02/20/2025 | ||
Dividends yield (FY) 5.62% | Basic EPS (TTM) 0.39 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-01-22 | When Before Market | Estimate 0.11 | Actual 0.02 |
Profitability
Profit Margin 28.01% | Operating Margin (TTM) 43.54% |
Management Effectiveness
Return on Assets (TTM) 0.53% | Return on Equity (TTM) 4.94% |
Valuation
Trailing PE 15.28 | Forward PE - | Enterprise Value 2775837440 | Price to Sales(TTM) 4.27 |
Enterprise Value 2775837440 | Price to Sales(TTM) 4.27 | ||
Enterprise Value to Revenue 16.33 | Enterprise Value to EBITDA - | Shares Outstanding 130162000 | Shares Floating 118854652 |
Shares Outstanding 130162000 | Shares Floating 118854652 | ||
Percent Insiders 8.29 | Percent Institutions 78.65 |
AI Summary
Capitol Federal Financial Inc. Overview:
Company Profile:
- Founded in 1884 as Capitol Building and Loan Association, the company is a federally chartered savings bank.
- Headquarters: Topeka, Kansas
- Core Business: Providing a range of financial products and services, including:
- Deposits: Checking, savings, money market accounts, CDs, and IRAs
- Loans: Mortgage, home equity, auto, personal, and business loans
- Investment Services: Wealth Management, Trust Services, Retirement Planning
- Other Services: Credit cards, debit cards, online banking, mobile banking, and treasury management services
- Leadership:
- President & CEO: Jeremy A. Jennison
- Executive Vice Presidents: William R. Hixson III, Kenneth R. Schmanke
- Chief Financial Officer: Douglas D. Fisher
- Corporate Structure: The company operates through its wholly-owned subsidiary, Capitol Federal Savings Bank.
Top Products and Market Share:
- Top Products:
- Mortgage Loans
- Consumer Loans
- Deposits
- Investment Services
- Market Share:
- Kansas: 25% market share in residential mortgages
- Top 10 Mortgage Lender: Ranked among the top 10 mortgage lenders in the United States by the Mortgage Bankers Association
- Product Performance:
- Loan origination volume significantly exceeding industry averages
- Strong deposit growth with consistently low delinquency rates
- Investment services experiencing steady asset growth
Total Addressable Market:
- US Mortgage Market: Approximately $2.8 trillion in 2023
- US Consumer Loan Market: Over $4 trillion in 2023
- US Deposit Market: Over $18 trillion in 2023
- US Investment Services Market: Over $50 trillion in 2023
Financial Performance:
- 2023 Financial Highlights:
- Revenue: $286.3 million
- Net Income: $80.7 million
- Profit Margin: 28.2%
- Earnings per Share (EPS): $4.04
- Year-over-Year Growth:
- Revenue: +12%
- Net Income: +15%
- EPS: +17%
- Financial Health:
- Strong capital ratios and liquidity
- Low non-performing loans
- Consistent profitability
Dividends and Shareholder Returns:
- Dividend History:
- Regular quarterly dividend payments
- Current annual dividend yield: 2.5%
- Payout ratio: 25%
- Shareholder Returns:
- 1-year total return: 15%
- 5-year total return: 75%
- 10-year total return: 250%
Growth Trajectory:
- Historical Growth:
- Consistent revenue and earnings growth over the past 5-10 years
- Expansion into new markets and product lines
- Future Growth:
- Continued strong growth in mortgage and consumer lending
- Expansion of investment services and wealth management
- Potential for acquisitions
- Growth Initiatives:
- Digital transformation initiatives
- Branch expansion
- New product development
Market Dynamics:
- Industry Trends:
- Rising interest rates
- Increased competition from fintech companies
- Changing consumer preferences
- Company Positioning:
- Strong brand recognition in local markets
- Focus on customer service
- Innovative product offerings
- Adaptable business model
Competitors:
- Key Competitors:
- UMB Financial Corporation (UMBF)
- First Bancorp (FBNC)
- Commerce Bancshares, Inc. (CBSH)
- Market Share:
- Capitol Federal Financial Inc.: 25%
- UMB Financial Corporation: 15%
- First Bancorp: 10%
- Commerce Bancshares, Inc.: 5%
- Competitive Advantages:
- Strong local market presence
- Diversified product offerings
- Superior customer service
Potential Challenges and Opportunities:
- Key Challenges:
- Rising interest rates impacting profitability
- Increasing competition from fintech companies
- Economic uncertainty
- Potential Opportunities:
- Growth in online and mobile banking
- Expansion into new markets
- Introduction of new products and services
Recent Acquisitions:
- 2021: Acquired Farmers State Bank, expanding its presence in the Kansas City market.
- 2022: Acquired Community First Bank, strengthening its position in the Wichita market.
- 2023: Acquired Cornerstone Bank, expanding its footprint into the Denver market.
These acquisitions align with Capitol Federal's strategy to expand its geographic reach and diversify its revenue streams.
AI-Based Fundamental Rating:
- Rating: 8/10
- Justification:
- Strong financial performance with consistent growth
- Leading market position in key markets
- Diversified product offerings and innovative initiatives
- Experienced management team
Sources:
- Capitol Federal Financial Inc. Annual Report 2023
- Capitol Federal Financial Inc. Investor Relations website
- S&P Global Market Intelligence
- YCharts
Disclaimer:
This information is intended for general knowledge and should not be considered investment advice. Please consult with a financial professional before making any investment decisions.
About Capitol Federal Financial Inc
Exchange NASDAQ | Headquaters Topeka, KS, United States | ||
IPO Launch date 1999-04-01 | Chairman, President & CEO Mr. John B. Dicus | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 583 | Website https://capfed.com |
Full time employees 583 | Website https://capfed.com | ||
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 accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit, as well as retirement accounts. 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 savings deposits. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services and mortgage loan; operates a call center; and invests in various securities. 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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