Capitol Federal Financial (CFFN) Stock: Buy, Sell, or Hold?
CFFN - Capitol Federal Financial, Inc.
$8.82
0.02 (0.23%)
▲
5d:
+0.23%
30d:
-0.68%
90d:
+8.22%
HOLD
MODERATE Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Nov 04, 2026
Get Alerted When CFFN Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: CFFN is fairly valued with market pricing in 2.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CFFN is fairly valued with market pricing in 2.0% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$12.47
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$7.74
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFFN is currently trading at $8.82, which is considered slightly high relative to its 30-day fair value range of $8.58 to $8.88. The stock's valuation (Forward PE: 11.4) is in line with its historical norms (10.7). At these levels, the market is pricing in 2.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CFFN is in a strong uptrend. The price is approaching resistance at $8.93. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CFFN is in a strong uptrend. The price is approaching resistance at $8.93. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$8.58 -
$8.88
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (50/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($9.50)
- NEUTRAL: Market pricing in 2.0% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (50/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$8.58 -
$8.88
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$8.48
Resistance Level
$8.93
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.38
Wall Street Target
$9.50
(+7.7%)
Revenue Growth (YoY)
18.3%
Earnings Growth (YoY)
35.6%
Profit Margin
36.7%
Valuation Premium vs History
+2.0% premium
PE vs Historical
11.4 vs 10.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.0%
(market-implied from PE analysis)
1-Year Target
$9.00
(+2%)
2-Year Target
$9.18
(+4%)
3-Year Target
$9.36
(+6%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
PE COMPRESSION
$8.80
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 13.1%)
$22.64
(+157%)
Base:
(SPY PE: 11.4, Growth: 13.1%)
$12.77
(+45%)
Bear:
(PE: 9.7, Growth: 13.1%)
$10.86
(+23%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 13.54 | Current EPS (TTM): $0.65
Bull Case
$11.54
(+31%)
Analyst growth 19.2%, PE expands to 14.9
Base Case
$10.49
(+19%)
Market implied 19.2%, PE stable at 13.5
Bear Case
$5.98
(-32%)
Severe decline -20.0%, PE contracts to 11.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 13, 2026 3:26 AM ET
Data refreshes hourly during market hours. Next update: 4:26 AM
Data refreshes hourly during market hours. Next update: 4:26 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is CFFN showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$278 | 61 BUY |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$257 | 66 BUY |
|
KEY
KeyCorp |
BUY
19 analysts |
$26 | 62 BUY |
|
FNB
F.N.B. Corp |
STRONG BUY
9 analysts |
$21 | 63 BUY |
|
SNV
Synovus Financial Corp |
BUY
19 analysts |
$58 | 45 HOLD |
