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CFFNCapitol Federal Financial, Inc.Hold6.0·$8.52-1.16%
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Capitol Federal Financial, Inc. (CFFN) Stock Analysis

Breakout setup · Inst Constrain edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $8.52, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.8% away).

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 offers a range of deposit products, including savings accounts, money market accounts,... Read more

$8.52+0.8% A.UpsideScore 6.0/10#96 of 225 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield4.03%(5y avg 4.84%)Payout56.67%sustainable
Stop $8.09Target $8.52(resistance)A.R:R -1.9:1
Analyst target$8.25-3.2%2 analysts
$8.52our TP
$8.52price
$8.25mean
$8

Hold if already holding. Not a fresh buy at $8.52, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.8% away). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 25d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 29, 202625d to earnings· next earnings call

Thesis

Rewards
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (2.8% away)

Key Metrics

P/E (TTM)14.1
P/E (Fwd)11.7
Mkt Cap$1.1B
EV/EBITDA
Profit Mgn35.9%
ROE7.5%
Rev Growth13.4%
Beta0.67
Dividend4.03%
Rating analysts7

Quality Signals

Piotroski F6/9

Options Flow

IV69%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -1.9=NEGATIVEMomentum 5.5<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.5>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 25d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
62 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $7.71Resistance $8.69

Price Targets

$8
$9
A.Upside0.0%
A.R:R-1.9:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-17.0% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-29 (25d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is CFFN stock a buy right now?

Hold if already holding. Not a fresh buy at $8.52, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.8% away). Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Maintain position. Not compelling to add more. Target $8.52 (0.0%), stop $8.09 (−5.3%), A.R:R -1.9:1. Score 6.0/10, moderate confidence.

What is the CFFN stock price target?

Take-profit target: $8.52 (+0.8% upside). Target $8.52 (0.0%), stop $8.09 (−5.3%), A.R:R -1.9:1. Stop-loss: $8.09.

What are the risks of investing in CFFN?

Analyst target reached - limited upside remaining; Near 52-week high (2.8% away).

Is CFFN overvalued or undervalued?

Capitol Federal Financial, Inc. trades at a P/E of 14.1 (forward 11.7). TrendMatrix value score: 8.7/10. Verdict: Hold.

What do analysts say about CFFN?

7 analysts cover CFFN with a consensus score of 2.3/5. Average price target: $8.

What does Capitol Federal Financial, Inc. do?Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various...

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 offers 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 and mortgage-backed securities. Capitol Federal Financial, Inc. was founded in 1893 and is headquartered in Topeka, Kansas.

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