Capitol Federal Financial (CFFN) Stock: Buy, Sell, or Hold?
CFFN - Capitol Federal Financial, Inc.
$8.58
0.11 (1.30%)
▲
5d:
-1.15%
30d:
-1.27%
90d:
+1.42%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Nov 04, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CFFN is fairly valued with market pricing in 0.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CFFN is fairly valued with market pricing in 0.9% 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
$12.59
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$7.82
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 10.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFFN is currently trading at $8.58, which is considered slightly low relative to its 30-day fair value range of $8.53 to $8.86. The stock's valuation (Forward PE: 11.1) is in line with its historical norms (10.8). At these levels, the market is pricing in 0.9% 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. Immediate support is located at $8.16, while resistance sits at $8.95.
Market Sentiment: CFFN scores 69/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $9.50 (+10.7%). 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. Immediate support is located at $8.16, while resistance sits at $8.95.
Market Sentiment: CFFN scores 69/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $9.50 (+10.7%). 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 LOW
Historical Trading Range
$8.53 -
$8.86
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
89.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (69/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($9.50)
- NEUTRAL: Market pricing in 0.9% annual earnings growth - fairly valued
- CAUTION: Bottoming setup, but lagging the sector by 17% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$8.53 -
$8.86
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$8.17
Resistance Level
$8.95
Current Trend
Strong Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.07
Wall Street Target
$9.50
(+10.7%)
Revenue Growth (YoY)
18.3%
Earnings Growth (YoY)
35.6%
Profit Margin
36.7%
Valuation Premium vs History
+0.9% premium
PE vs Historical
11.1 vs 10.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.9%
(market-implied from PE analysis)
1-Year Target
$8.66
(+1%)
2-Year Target
$8.74
(+2%)
3-Year Target
$8.81
(+3%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
PE COMPRESSION
$8.60
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 13.1%)
$22.90
(+167%)
Base:
(SPY PE: 11.1, Growth: 13.1%)
$12.43
(+45%)
Bear:
(PE: 9.4, Growth: 13.1%)
$10.56
(+23%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.64 | Current EPS (TTM): $0.67
Bull Case
$10.78
(+26%)
Analyst growth 15.7%, PE expands to 13.9
Base Case
$9.80
(+14%)
Market implied 15.7%, PE stable at 12.6
Bear Case
$5.76
(-33%)
Severe decline -20.0%, PE contracts to 10.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 03, 2026 7:37 AM ET
Data refreshes hourly during market hours. Next update: 8:37 AM
Data refreshes hourly during market hours. Next update: 8:37 AM
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Technical Signals Check
Is CFFN showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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