Capitol Federal Savings Bank

CFFN US Financials Regional Banks
S&P 600
$8.82
+0.23%
Delayed · cached 15 min

Fair value analysis

CFFN
Capitol Federal Savings Bank
FinancialsRegional Banks
$8.82
Close used for this calculation
$9.61Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
57/100
Profitability21/25
Returns7/25
Balance Sheet11/25
Efficiency18/25
Growth13/25
Good
Quality radar
57Prof.21/25Ret.7/25Eff.18/25B.Sht11/25Growth13/25

Consensus fair value

$9.61
Near FV
▲ +9.0% against the close used
Model range $1.36 – $18.34
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$1.36Fair value$9.61Bull$18.34
FairClose
52-week traded range
52W low $6.0252W high $9.19

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

Capitol Federal Savings Bank closed at $8.82, 8.2% below the consensus fair value of $9.61 drawn from 8 valuation models.

Financial DNA score 57/100 — Good. P/E of 17.0x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$7.56
-14.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
P/E Fair Value
$10.40
+17.9%
EPS × 20x (sector P/E)
EPS=0.52, Sector P/E=20x
Peter Lynch (PEG)
$6.88
-21.9%
EPS × Growth% (PEG = 1 is fair)
EPS=0.52, g=13.2%
EV/EBITDA
$10.55
+19.6%
(EBITDA × 16.6x − Net Debt) ÷ Shares
EBITDA=83.02M
Dividend Discount (DDM)
$18.34
+107.9%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.34, r=10%, g=8%
Book Value (P/B)
$1.36
-84.6%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=8.24, ROE=6.7%, g=6%, r=10%
Reverse DCF
$8.82
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 4.9% | Historical: 13.2%
Margin of Safety
$6.74
-23.6%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=8.98, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.