CAPITOL FEDERAL FINANCIAL IN (CFFN) Stock Fundamental Analysis
NASDAQ:CFFN - Nasdaq - US14057J1016 - Common Stock - Currency: USD
Overall CFFN gets a fundamental rating of 4 out of 10. We evaluated CFFN against 402 industry peers in the Banks industry. The financial health of CFFN is average, but there are quite some concerns on its profitability. CFFN has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CFFN was profitable.
In the past year CFFN had a positive cash flow from operations.
CFFN had positive earnings in 4 of the past 5 years.
CFFN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CFFN has a Return On Assets of 0.53%. This is in the lower half of the industry: CFFN underperforms 70.79% of its industry peers.
Looking at the Return On Equity, with a value of 4.95%, CFFN is doing worse than 74.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 4.95% | ||
| ROIC | N/A |
ROA(3y)0.09%
ROA(5y)0.35%
ROE(3y)0.55%
ROE(5y)2.57%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CFFN's Profit Margin of 27.71% is fine compared to the rest of the industry. CFFN outperforms 73.76% of its industry peers.
CFFN's Profit Margin has declined in the last couple of years.
CFFN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.71% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.35%
PM growth 5Y-11.26%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CFFN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CFFN has been reduced compared to 1 year ago.
CFFN has less shares outstanding than it did 5 years ago.
There is no outstanding debt for CFFN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
There is no outstanding debt for CFFN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CFFN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -38.24%.
Measured over the past years, CFFN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.33% on average per year.
The Revenue has grown by 574.60% in the past year. This is a very strong growth!
CFFN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.04% yearly.
EPS 1Y (TTM)-38.24%
EPS 3Y-10.07%
EPS 5Y-10.33%
EPS Q2Q%20%
Revenue 1Y (TTM)574.6%
Revenue growth 3Y-6.26%
Revenue growth 5Y-6.04%
Sales Q2Q%6.66%
3.2 Future
CFFN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.15% yearly.
The Revenue is expected to grow by 8.44% on average over the next years. This is quite good.
EPS Next Y16.02%
EPS Next 2Y15.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.39%
Revenue Next 2Y8.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
CFFN is valuated correctly with a Price/Earnings ratio of 13.81.
Compared to the rest of the industry, the Price/Earnings ratio of CFFN is on the same level as its industry peers.
CFFN is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.94, the valuation of CFFN can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CFFN is on the same level as its industry peers.
CFFN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.81 | ||
| Fwd PE | 10.94 |
4.2 Price Multiples
70.79% of the companies in the same industry are cheaper than CFFN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.97 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CFFN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CFFN's earnings are expected to grow with 15.15% in the coming years.
PEG (NY)0.86
PEG (5Y)N/A
EPS Next 2Y15.15%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CFFN has a Yearly Dividend Yield of 5.83%, which is a nice return.
CFFN's Dividend Yield is rather good when compared to the industry average which is at 3.37. CFFN pays more dividend than 93.56% of the companies in the same industry.
CFFN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
5.2 History
The dividend of CFFN decreases each year by -19.07%.
CFFN has been paying a dividend for at least 10 years, so it has a reliable track record.
CFFN has decreased its dividend recently.
Dividend Growth(5Y)-19.07%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
87.07% of the earnings are spent on dividend by CFFN. This is not a sustainable payout ratio.
DP87.07%
EPS Next 2Y15.15%
EPS Next 3YN/A
5.8
-0.03 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.6%
Inst Owner Change3.15%
Ins Owners2.98%
Ins Owner Change1.11%
Market Cap770.18M
Analysts45.71
Price Target6.89 (18.79%)
Short Float %3.08%
Short Ratio4.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
Yearly Dividend0.33
Dividend Growth(5Y)-19.07%
DP87.07%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.9%
Min EPS beat(2)10.29%
Max EPS beat(2)11.51%
EPS beat(4)2
Avg EPS beat(4)2.7%
Min EPS beat(4)-10.87%
Max EPS beat(4)11.51%
EPS beat(8)5
Avg EPS beat(8)164.56%
EPS beat(12)7
Avg EPS beat(12)109.63%
EPS beat(16)11
Avg EPS beat(16)85.72%
Revenue beat(2)0
Avg Revenue beat(2)-4.38%
Min Revenue beat(2)-5.79%
Max Revenue beat(2)-2.96%
Revenue beat(4)0
Avg Revenue beat(4)-4.81%
Min Revenue beat(4)-6.91%
Max Revenue beat(4)-2.96%
Revenue beat(8)2
Avg Revenue beat(8)-2.96%
Revenue beat(12)6
Avg Revenue beat(12)1.17%
Revenue beat(16)9
Avg Revenue beat(16)3.94%
PT rev (1m)-3.57%
PT rev (3m)-3.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.76%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-8.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.81 | ||
| Fwd PE | 10.94 | ||
| P/S | 4.2 | ||
| P/FCF | 21.97 | ||
| P/OCF | 18.28 | ||
| P/B | 0.75 | ||
| P/tB | 0.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.42
EY7.24%
EPS(NY)0.53
Fwd EY9.14%
FCF(TTM)0.26
FCFY4.55%
OCF(TTM)0.32
OCFY5.47%
SpS1.38
BVpS7.73
TBVpS7.73
PEG (NY)0.86
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.53% | ||
| ROE | 4.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.71% | ||
| GM | N/A | ||
| FCFM | 19.1% |
ROA(3y)0.09%
ROA(5y)0.35%
ROE(3y)0.55%
ROE(5y)2.57%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-15.35%
PM growth 5Y-11.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 83.75% | ||
| Cap/Sales | 3.85% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 68.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.27%
ROIC/WACCN/A
Cap/Depr(3y)65.51%
Cap/Depr(5y)82.88%
Cap/Sales(3y)13.81%
Cap/Sales(5y)10.62%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-38.24%
EPS 3Y-10.07%
EPS 5Y-10.33%
EPS Q2Q%20%
EPS Next Y16.02%
EPS Next 2Y15.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)574.6%
Revenue growth 3Y-6.26%
Revenue growth 5Y-6.04%
Sales Q2Q%6.66%
Revenue Next Year7.39%
Revenue Next 2Y8.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-59.43%
FCF growth 3Y-28.3%
FCF growth 5Y-19.09%
OCF growth 1Y-54.01%
OCF growth 3Y-25.2%
OCF growth 5Y-17.36%