Insider buying last 90 days
No open-market insider purchases were filed for CFFN in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every CFFN insider filing, plotted on the chart in Gekko.Open CFFN in Gekko
NASDAQ: CFFN
Capitol Federal Financial (CFFN) Stock Analysis & Forecast
Oct 12 close
$8.390.00 (0.0%)
Gekko Brief
AI summaryOct 12 closeCapitol Federal Financial's stock drew attention this week on news of a strategic shift toward commercial lending, away from residential mortgages. The company's net interest margin rose to 2.31%, with Q3 net profit of $23.6 million and earnings per share of $0.19, a move framed as supporting improved profitability even as the broader market remains cautious and profitability continues to lag sector peers.
CFFN closed at $8.39, sitting between its 50-day average of $8.70 and its 200-day average of $7.89. The GekkoIndex reads 64.3, placing the stock in the Accumulation zone. Price sits 7.1% below Gekko Fair Value of $9.03. Over the past year the stock has returned 33.8%, though the one-month return is -4.9% and the three-month return is -1.2%, against a six-month gain of 10%.
Earnings are due on 28 October 2026, 16 days away, falling inside a typical 20-trading-day holding window; the last report on 27 January 2026 beat estimates ($0.16 actual versus $0.14 expected) with a 4.4% reaction, and the company has beaten in 4 of the last 8 quarters, with an average absolute reaction of 5.1%. Seasonality from this point in the calendar has averaged a 9.6% move over the next 20 trading days across 5 years, rising in 4 of them. Consensus among 2 covering firms stands at hold, with a consensus target of $9.50.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Capitol Federal Financial price vs fair value
Close $8.39200-day averageGekko Fair Value $9.03
Capitol Federal Financial quick facts
- Market cap
- $1.04B
- P/E ratio
- 13
- Forward P/E
- 20.5
- EPS, TTM
- $0.65
- Revenue, TTM
- $225.7M
- Profit margin
- 36.7%
- Dividend yield
- 4.04%
- Beta
- 0.68
- Volume
- 1.08M avg 1.13M
- 1-year return
- +33.8%
- Typical daily move
- ±2%
- Typical 20-day move
- ±5.4%
- 50-day average
- $8.70
- 200-day average
- $7.89
- Next earnings
- Oct 28
- Shares outstanding
- 123.4M
Capitol Federal Financial swing-trade checklist
Capitol Federal Financial scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $8.39 sits between the 50-day ($8.70) and 200-day ($7.89) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
64.3, Accumulation
Reading 64.3 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
7.1% below
Price is 7.1% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 16 days
Reports on Oct 28, 2026, 16 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+9.6% on average
From this point in the calendar, the next 20 trading days averaged +9.6% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Capitol Federal Financial stock chart and price history
Capitol Federal Financial closed at $8.39 on Oct 12, 2026, +33.8% over the past year, inside a 52-week range of $5.97 to $9.26.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −4.9%
- 3 months
- −1.2%
- 6 months
- +10.0%
- 1 year
- +33.8%
The full CFFN chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open CFFN in Gekko
Follow Capitol Federal Financial through every session
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About Capitol Federal Financial
Capitol Federal Financial serves as the holding company for Capitol Federal Savings Bank, which provides everyday banking services to retail customers. Depositors can choose from savings, money market, checking and interest-bearing accounts along with certificates of deposit, while borrowers have access to home mortgages, commercial real estate and industrial financing, construction loans, and consumer options like home equity lines, home improvement loans, and vehicle loans secured by savings.
The bank rounds out its offerings with online, mobile and telephone banking, bill pay tools, and a customer call center, and it also invests in securities as part of its operations. Its branch network totals 54 locations, a mix of traditional and in-store sites, reaching across nine Kansas counties and two Missouri counties. Customers are concentrated in Kansas cities such as Topeka, Wichita, Lawrence, Manhattan, Emporia and Salina, along with part of the Kansas City metro area.
Founded in 1893 and headquartered in Topeka, Kansas, Capitol Federal Financial trades on the NASDAQ under the ticker CFFN.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Savings banks
- Website
- capfed.com
Capitol Federal Financial GekkoIndex: the smart money zone
Capitol Federal Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 64.3, in the Accumulation zone, up 2.5 points over five sessions.
64.3Accumulation
Up 2.5 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 34 | +0.7% | +3.5% | ||
| Accumulation (current zone) | 182 | +0.5% | +2.5% | ||
| Neutral | 419 | +0.3% | +1.3% | ||
| Distribution | 41 | −0.7% | −5.4% | ||
| Selling | 6 | Too few readings yet | |||
Average CFFN share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the CFFN price, zone by zone.Track CFFN in Gekko
Is Capitol Federal Financial stock overvalued? Gekko Fair Value
Capitol Federal Financial trades 7.1% below Gekko Fair Value of $9.03, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Capitol Federal Financial shares are worth, recalculated every trading day.
$9.03
Gekko Fair Value, Oct 10, 2026
7.1% Undervalued
At the end of Aug 2026 the price was 5.8% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open CFFN in Gekko
Capitol Federal Financial insider and Congress trading
No open-market insider purchases were filed for Capitol Federal Financial, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in CFFN were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for CFFN, plotted on the chart in Gekko.Open CFFN in Gekko
Buybacks
Capitol Federal Financial has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $14.21M
- As a share of market cap
- 1.37%
- Trailing four quarters
- $49.82M
From company filings.
Capitol Federal Financial earnings: next date and track record
Capitol Federal Financial reports on Oct 28, 2026 (16 days away), and beat the EPS estimate in 4 of its last 8 reports.
Next earnings report
Oct 28, 2026
16 days away
- EPS estimate
- $0.18
- Revenue estimate
- $61.12M
4 of 8reports beat the EPS estimate
±5.1%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jan 27, 2026 | $0.16 est $0.14 | $56.80M est $56.02M | +4.4% |
| Oct 29, 2025 | $0.14 est $0.14 | $53.92M est $55.36M | −4.3% |
| Jul 23, 2025 | $0.14 est $0.14 | $50.75M est $53.46M | +1.6% |
| Apr 23, 2025 | $0.12 est $0.11 | $47.91M est $49.01M | +5.4% |
| Jan 29, 2025 | $0.12 est $0.11 | $46.33M est $47.26M | +2.6% |
| Oct 23, 2024 | $0.09 est $0.08 | $45.03M est $41.24M | +9.3% |
| Jul 24, 2024 | $0.10 est $0.11 | $44.31M est $42.47M | −7.1% |
| Apr 24, 2024 | $0.11 est $0.11 | $45.10M est $42.01M | −6.1% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Capitol Federal Financial stock forecast and analyst price targets
Analysts’ average 12-month price target for Capitol Federal Financial is $9.50, +13.2% from the last close, from 2 firms rating the stock in the last 90 days.
$9.50consensus 12-month target, +13.2% from the last close
Now $8.39Avg $9.50
Low $9High $9.50
Each firm’s latest rating in the last 90 days: 2 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 3 | Piper Sandler | $9.50 | +13.2% |
| Jul 31 | KBW | $9 | +7.3% |
+2.5%average 20-day move after past Accumulation readings
+9.6%average move over the next 20 trading days in the last 5 years
±2%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Capitol Federal Financial seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Capitol Federal Financial averaged +9.6% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.3% | 4 of 5 |
| Next 10 trading days | +2.3% | 4 of 5 |
| Next 15 trading days | +5.4% | 3 of 5 |
| Next 20 trading days | +9.6% | 4 of 5 |
| Next 30 trading days | +7.0% | 4 of 5 |
For scale, CFFN’s typical 20-trading-day move in either direction is about 5.4%.
Capitol Federal Financial market cap and key statistics
Capitol Federal Financial’s market cap is $1.04B, with a P/E ratio of 13 and revenue of $225.7M over the last twelve months.
Valuation
- Market cap
- $1.04B
- P/E ratio
- 13
- Forward P/E
- 20.5
- EPS, TTM
- $0.65
- Gekko Fair Value
- $9.03
Trading
- Volume
- 1.08M
- Avg volume, 20 days
- 1.13M
- 52-week high
- $9.26
- 52-week low
- $5.97
- Shares outstanding
- 123.4M
Financials
- Revenue, TTM
- $225.7M
- Profit margin
- 36.7%
- Return on equity
- 8%
- Quarterly earnings growth, YoY
- +35.6%
Risk and income
- Beta
- 0.68
- Typical daily move
- ±2%
- Typical 20-day move
- ±5.4%
- Dividend yield
- 4.04%
Capitol Federal Financial stock news this week
3 headlines about Capitol Federal Financial from the past week, newest first, each linking to the publisher.
- An executive holds 49,497 shares through an employee stock plan at Capitol Federal (CFFN).Stock Titan, Oct 8
- Capitol Federal Financial boosts profits by shifting to commercial lending despite market caution.Pluang, Oct 6
- Capitol Federal Financial: Margin Expansion Supports The Bull CaseSeeking Alpha, Oct 6
Capitol Federal Financial peers
Capitol Federal Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| WBSWebster Financial | Neutral | 1.7% above |
| TFSLTFS Financial | Accumulation | 8.3% below |
| WSFSWSFS Financial | Accumulation | 8.3% below |
| PFSProvident Financial Services | Accumulation | 12.1% below |
| CLBKColumbia Financial | Accumulation | 13.0% below |
| NWBINorthwest Bancshares | Accumulation | 5.6% below |
A peer links to its own page where one exists.
Capitol Federal Financial stock FAQ
What is Capitol Federal Financial’s market cap?
Capitol Federal Financial’s market cap is $1.04B at the Oct 12, 2026 close of $8.39, with 123.4M shares outstanding. The shares trade on a P/E ratio of 13.
What is the Capitol Federal Financial stock forecast?
The consensus analyst 12-month price target for Capitol Federal Financial is $9.50, +13.2% from the last close. Of the 2 firms that rated the stock in the last 90 days, 0 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Capitol Federal Financial stock overvalued or undervalued?
On Gekko’s estimate Capitol Federal Financial is undervalued: the Oct 12, 2026 close of $8.39 is 7.1% below Gekko Fair Value of $9.03. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Capitol Federal Financial report earnings next?
Capitol Federal Financial is expected to report on Oct 28, 2026 (16 days away). Analysts expect earnings of $0.18 per share on revenue of $61.12M. Capitol Federal Financial beat the earnings estimate in 4 of its last 8 reports, moving 5.1% on average across the report.
What is Capitol Federal Financial’s 52-week high and low?
Capitol Federal Financial’s 52-week high is $9.26 and its 52-week low is $5.97; it closed at $8.39 on Oct 12, 2026, +33.8% over the past year. Over the last five years the shares peaked at $12.79 on Nov 12, 2021.
Is Capitol Federal Financial stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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