📊 CFFN Key Takeaways
Investment Thesis
Capitol Federal Financial exhibits severe operational deterioration with revenue collapsing 95.9% year-over-year, indicating a fundamental business disruption unrelated to normal cyclical banking patterns. Despite maintaining profitability, extremely weak ROE of 1.9% and minimal ROA of 0.2% signal severe capital inefficiency, while the 0.2x interest coverage ratio suggests acute stress in the core lending business model.
CFFN Strengths
- Positive net income of $20.3M with slight growth, maintaining technical profitability
- Reasonable free cash flow generation of $15.8M despite revenue collapse
- Substantial asset base of $9.8B providing operational scale
CFFN Risks
- Catastrophic 95.9% revenue decline indicating structural business impairment or data anomaly requiring urgent clarification
- Interest coverage ratio of 0.2x is critically low, suggesting inability to service debt from operating earnings
- Return on equity of 1.9% and return on assets of 0.2% indicate severe capital misallocation and poor asset quality
- Debt-to-equity ratio of 2.73x combined with weak interest coverage creates elevated financial distress risk
Key Metrics to Watch
- Net interest margin and interest income recovery trajectory
- Loan loss provisions and asset quality metrics (NPL ratios, coverage ratios)
- Interest coverage ratio improvement and debt service sustainability
- Return on equity stabilization and capital efficiency recovery
CFFN Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CFFN Profitability Ratios
CFFN vs Default Sector
How Capitol Federal Financial, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CFFN Balance Sheet & Liquidity
CFFN 5-Year Financial Trend
5-Year Trend Summary: Capitol Federal Financial, Inc.'s revenue has shown modest growth of 6% over the 5-year period. The most recent EPS of $-0.76 indicates the company is currently unprofitable.
CFFN Growth Metrics (YoY)
CFFN Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2020 | $10.9M | $4.3M | $0.14 |
| Q2 2020 | $7.5M | $4.3M | $0.03 |
| Q1 2020 | $4.0M | $18.2M | $0.16 |
| Q3 2019 | $12.4M | $15.8M | $0.17 |
| Q2 2019 | $8.1M | $21.0M | $0.17 |
| Q1 2019 | $4.3M | $18.2M | $0.18 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CFFN Capital Allocation
CFFN SEC Filings
Access official SEC EDGAR filings for Capitol Federal Financial, Inc. (CIK: 0001490906)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CFFN
What is the AI rating for CFFN?
Capitol Federal Financial, Inc. (CFFN) has an AI rating of SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFFN's key strengths?
Positive net income of $20.3M with slight growth, maintaining technical profitability. Reasonable free cash flow generation of $15.8M despite revenue collapse.
What are the risks of investing in CFFN?
Catastrophic 95.9% revenue decline indicating structural business impairment or data anomaly requiring urgent clarification. Interest coverage ratio of 0.2x is critically low, suggesting inability to service debt from operating earnings.
What is CFFN's revenue and growth?
Capitol Federal Financial, Inc. reported revenue of $106.0M.
Does CFFN pay dividends?
Capitol Federal Financial, Inc. pays dividends, with $11.0M distributed to shareholders in the trailing twelve months.
Where can I find CFFN SEC filings?
Official SEC filings for Capitol Federal Financial, Inc. (CIK: 0001490906) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CFFN's EPS?
Capitol Federal Financial, Inc. has a diluted EPS of $0.16.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.