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Up 45% in a year while the S&P 500 rose 12%.
| The chart | Above every average |
| Latest filing | 8-K, Oct 28 |
Tue Jan 26: Annual Shareholder MeetingDate confirmed.
After its last 4 reports it closed +1.9% on average, higher 4 of 4 times.
Averagefor quality, not price, 4 of 14 chart checks firingWhat the Quality Score means
CFFN is #71 of 168 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 71 |
Expected to report Wed Jan 27, before the open (in 78 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
“For the quarter, net interest income increased $1.3 million to $54.8 million, and net interest margin increased eight basis points to 2.39%, each due primarily to the continued growth in the higher-yielding commercial loan portfolio.”
CFFN gives its mix in its presentation's charts, not in a table we read.
| Measure | Figure |
|---|---|
| Commercial loan balances | about 17% |
“Management anticipates the Board of Governors of the Federal Reserve System will continue to increase rates during our 2027 fiscal year, which will put pressure on deposit costs.”
From its results filing (SEC filing · Oct 28)
EPS grew 2% a year over 5 years, fiscal 2020 to 2025.
Pays $0.34 a share a year.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 28, 2026 | +1.3% | +1.7% | +4.5% |
| Jul 29, 2026 | +0.6% | +1.3% | +3.9% |
| Apr 29, 2026 | -0.1% | +1.8% | +3.8% |
| Jan 28, 2026 | +1.6% | +2.8% | +6.9% |
Sales grew in four of the last seven years, to $16.3M in 2025. It made a profit in seven of the eight years.
RSI 54.0, MACD above signal, above both averages. Not scored.
Its dividends come to 86% of its free cash flow.
| Dividend | $0.34 a share a year |
| Paid out | About $42.7M a year |
| Free cash flow | $49.8M |
Officers and directors with a Form 4 in the last 12 months.
In ETFs: CFFN is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.
Capitol Federal Financial Inc is a bank holding company that operates through its wholly-owned subsidiary bank. The bank is a community-oriented financial institution that offers a variety of financial services through tens of locations. It mainly serves metropolitan areas within the state of Kansas. The bank performs traditional banking functions such as deposit-taking activities and investing that money in first-lien residential mortgages. It also participates in commercial real estate loans with other lenders, investing those funds in various securities. The vast majority of the bank's loan portfolio is in originated one- to four-family real estate loans. Its primary source of income is net interest income.
“We operate in a highly competitive environment for quality commercial banking relationships across the markets we serve.”
CFFN scores 9 today, which Breakaway calls Average. It is #71 of 168 in Banks by Quality Score, with 4 of 14 chart checks firing. Up 45% in a year while the S&P 500 rose 12%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
CFFN scores 9 today, which Breakaway calls Average (6 to 10). That is #71 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind CFFN's 9.
Expected to report Wed Jan 27, before the open, a date Breakaway expects from the company's usual timing; the company has not confirmed it. CFFN closed higher after 4 of its last 4 reports. Past behavior, not a forecast.
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Insider and Congress trades, the chart, and the financials, in one score.
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