Capitol Federal Financial (CFFN) Stock: Buy, Sell, or Hold?
CFFN - Capitol Federal Financial, Inc.
$8.33
0.26 (3.22%)
▲
5d:
+1.15%
30d:
-4.14%
90d:
-3.7%
BUY
HIGH Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Nov 04, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CFFN shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: CFFN shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
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 $8.33, which is considered oversold relative to its 30-day fair value range of $8.27 to $8.79. The stock's valuation (Forward PE: 10.8) is in line with its historical norms (10.8). At these levels, the market is pricing in -0.0% 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 uptrend. The price is approaching resistance at $8.49. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.2% recently.
Market Sentiment: CFFN scores 75/100 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 (+14.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CFFN is in a uptrend. The price is approaching resistance at $8.49. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.2% recently.
Market Sentiment: CFFN scores 75/100 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 (+14.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$8.27 -
$8.79
Company Quality Score
65/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
93.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.2%)
- BULLISH: Trading below Wall St target ($9.50)
- NEUTRAL: Market pricing in -0.0% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 75/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$8.27 -
$8.79
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$7.99
Resistance Level
$8.49
Current Trend
Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.75
Wall Street Target
$9.50
(+14.0%)
Revenue Growth (YoY)
18.3%
Earnings Growth (YoY)
35.6%
Profit Margin
36.7%
PE vs Historical
10.8 vs 10.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
0%
(market-implied from PE analysis)
1-Year Target
$8.33
(0%)
2-Year Target
$8.33
(0%)
3-Year Target
$8.33
(0%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$8.37
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 13.1%)
$22.29
(+168%)
Base:
(SPY PE: 10.7, Growth: 13.1%)
$12.06
(+45%)
Bear:
(PE: 9.1, Growth: 13.1%)
$10.25
(+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: 12.61 | Current EPS (TTM): $0.64
Bull Case
$10.75
(+29%)
Analyst growth 21.1%, PE expands to 13.9
Base Case
$9.77
(+17%)
Market implied 21.1%, PE stable at 12.6
Bear Case
$5.49
(-34%)
Severe decline -20.0%, PE contracts to 10.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 8:59 AM ET
Data refreshes hourly during market hours. Next update: 9:59 AM
Data refreshes hourly during market hours. Next update: 9:59 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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