CFFN Stock Analysis: Buy, Sell, or Hold?
CFFN - Capitol Federal Financial, Inc.
$9.10
0.26 (2.94%)
▲
5d:
+5.32%
30d:
+7.69%
90d:
+18.64%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 29, 2026
0d
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 3.4% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CFFN is fairly valued with market pricing in 3.4% 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
$12.35
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$7.67
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 10.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFFN is currently trading at $9.10, which is considered extended relative to its 30-day fair value range of $8.42 to $8.77. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.7) compared to its historical average (10.6). At these levels, the market is pricing in 3.4% 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 $9.26. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CFFN has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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 $9.26. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CFFN has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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
EXTENDED
Historical Trading Range
$8.42 -
$8.77
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($9.17)
- NEUTRAL: Market pricing in 3.4% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$8.42 -
$8.77
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$8.24
Resistance Level
$9.26
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.74
Wall Street Target
$9.17
(+0.7%)
Revenue Growth (YoY)
18.3%
Earnings Growth (YoY)
35.8%
Profit Margin
36.7%
Valuation Premium vs History
+3.4% premium
PE vs Historical
11.7 vs 10.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.4%
(market-implied from PE analysis)
1-Year Target
$9.41
(+3%)
2-Year Target
$9.73
(+7%)
3-Year Target
$10.06
(+11%)
3-Yr Target (if PE normalizes)
(PE: 12→11)
PE COMPRESSION
$9.08
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 13.1%)
$23.27
(+156%)
Base:
(SPY PE: 11.7, Growth: 13.1%)
$13.18
(+45%)
Bear:
(PE: 10.0, Growth: 13.1%)
$11.20
(+23%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 13.39 | Current EPS (TTM): $0.66
Bull Case
$11.42
(+26%)
Analyst growth 17.4%, PE expands to 14.7
Base Case
$10.38
(+14%)
Market implied 17.4%, PE stable at 13.4
Bear Case
$6.01
(-34%)
Severe decline -20.0%, PE contracts to 11.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 7:12 PM ET
Data refreshes hourly during market hours. Next update: 8:12 PM
Data refreshes hourly during market hours. Next update: 8:12 PM
🔥 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 |
|---|---|---|---|
|
CFG
Citizens Financial Group… |
STRONG BUY
17 analysts |
$81 | 56 HOLD |
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 57 HOLD |
|
USB
U.S. Bancorp |
BUY
24 analysts |
$70 | 50 HOLD |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$92 | 56 HOLD |
|
FHN
First Horizon Corporation |
BUY
16 analysts |
$28 | 59 HOLD |
