Capitol Federal Financial, Inc. (CFFN)
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Capitol Federal Financial: Low Residential Loan Growth To Lift The Bottom Line, Maintain Buy
Residential mortgages stand to benefit from the falling interest rate environment. Margin can benefit from FRB rate reduction and a remixing of the loan portfolio. However, Fed rate cuts and a focus on high-yield savings accounts can pressure the margin. I'm expecting the EPS to grow by 9% to $0.57.
Capitol Federal Financial: Banking On Continued Progress
Capitol Federal Financial remains a soft "Buy" due to its significant discount to book value and improving revenue and profit trends. Despite underperforming the S&P 500 and disappointing asset quality metrics, management's digital initiatives are driving deposit and loan growth. The bank's price-to-earnings ratio is slightly above my ideal threshold, but it's still cheaper than most peers on book value metrics.
Capitol Federal Financial Is Still Cheap Where It Matters Most
Capitol Federal Financial, Inc.'s stock remains a soft Buy due to its low price to book and tangible book multiples, despite high P/E ratio and low asset quality. Recent financial performance has been positive, with net interest income and non-interest income showing significant improvements, boosting overall profitability. The company's balance sheet is strengthening, with growing deposits, increased securities and cash, and a reduction in debt.
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Capitol Federal Financial, Inc. Profile
| Banks Industry | Financials Sector | John B. Dicus CEO | NASDAQ (NGS) Exchange | 14057J101 CUSIP |
| US Country | 583 Employees | 7 Nov 2025 Last Dividend | 8 Jun 2016 Last Split | 1 Apr 1999 IPO Date |
Overview
Capitol Federal Financial, Inc. is a distinguished financial institution in the United States, functioning primarily through its subsidiary, Capitol Federal Savings Bank. With a rich history tracing back to 1893, the company has cemented its position in the banking sector, offering a wide spectrum of retail banking products and services. Headquartered in Topeka, Kansas, Capitol Federal Financial extends its services across various regions, including the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina in Kansas, as well as parts of the greater Kansas City metropolitan area. This extensive network underlines the company's commitment to serving a broad customer base with their financial needs.
Products and Services
Capitol Federal Financial, Inc. prides itself on a comprehensive suite of products and services designed to meet the diverse financial needs of its customers:
- Deposit Products:
The bank offers a variety of deposit products catering to different customer preferences. This includes savings accounts, which encourage customers to save money over time; money market accounts that offer higher interest rates in return for larger deposit balances; checking accounts, available in both interest-bearing and non-interest-bearing forms; and certificates of deposit, which are time-bound deposit accounts that typically offer higher interest rates in exchange for the commitment of funds for a predetermined period.
- Loan Products:
Capitol Federal provides a broad array of loan products to support the financial goals of its customers. This encompasses loans for one- to four-family residential real estate, aimed at homebuyers and investors; commercial real estate loans for business owners investing in property; commercial and industrial loans to support business operations; construction loans for new property development projects; and small business loans crafted to meet the needs of small business owners. Additionally, the bank also offers consumer loans including home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits for personal financial needs.
- Banking Services:
The availability of mobile, telephone, and online banking services ensures that customers can manage their finances conveniently from anywhere. Capitol Federal also offers bill payment services, facilitating the easy settlement of bills without the need for checks or cash. Alongside, the bank provides credit cards and mortgage loans, catering to both daily financial transactions and long-term borrowing needs, respectively.
- Additional Services:
Apart from the core financial products, Capitol Federal operates a call center to address customer inquiries and support needs promptly. The company also engages in investments in various securities, showcasing its diversified operations beyond traditional banking services.
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