CFFN Stock Analysis: Buy, Sell, or Hold?
CFFN - Capitol Federal Financial, Inc.
$8.49
-0.01 (-0.12%)
▼
5d:
+0.35%
30d:
+5.2%
90d:
+12.15%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 22, 2026
7d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: CFFN shows positive signals but monitor for confirmation. Market pricing in 2.7% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: CFFN shows positive signals but monitor for confirmation. Market pricing in 2.7% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$11.92
Based on 8.9% avg growth
INTRINSIC VALUE TODAY
$7.40
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 10.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFFN is currently trading at $8.49, which is considered slightly high relative to its 30-day fair value range of $8.06 to $8.49. The stock's valuation (Forward PE: 11.4) is in line with its historical norms (10.5). At these levels, the market is pricing in 2.7% 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 $8.69. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CFFN is in a strong uptrend. The price is approaching resistance at $8.69. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$8.06 -
$8.49
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($8.83)
- NEUTRAL: Market pricing in 2.7% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$8.06 -
$8.49
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$8.19
Resistance Level
$8.69
Current Trend
Strong Uptrend
Technical data as of
Jul 13, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.40
Wall Street Target
$8.83
(+4.0%)
Revenue Growth (YoY)
13.4%
Earnings Growth (YoY)
34.3%
Profit Margin
35.9%
Valuation Premium vs History
+2.7% premium
PE vs Historical
11.4 vs 10.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.7%
(market-implied from PE analysis)
1-Year Target
$8.72
(+3%)
2-Year Target
$8.95
(+6%)
3-Year Target
$9.20
(+8%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
PE COMPRESSION
$8.47
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 13.7%)
$23.88
(+181%)
Base:
(SPY PE: 11.4, Growth: 13.7%)
$12.49
(+47%)
Bear:
(PE: 9.7, Growth: 13.7%)
$10.62
(+25%)
📈
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: 14.17 | Current EPS (TTM): $0.60
Bull Case
$11.61
(+37%)
Analyst growth 24.2%, PE expands to 15.6
Base Case
$10.55
(+24%)
Market implied 24.2%, PE stable at 14.2
Bear Case
$5.78
(-32%)
Severe decline -20.0%, PE contracts to 12.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 14, 2026 1:21 AM ET
Data refreshes hourly during market hours. Next update: 2:21 AM
Data refreshes hourly during market hours. Next update: 2:21 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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