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CFFN

Capitol Federal FinancialB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The earnings release supports a constructive operating trend: rising NIM, improving efficiency, commercial-loan growth, ongoing repurchases, and strengthened capital [#SEC-8K-2026-07-29].
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -6.0.
What can break
Commercial-loan growth may not fully offset the decline in single-family loans as the balance sheet is remixed.
Momentum
68
Value
59
Sentiment
62
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $9.20 · Bull $10.00 · Bear $7.50Analysis 2026-08-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-16 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-16

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-16. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $9.50
Why
Momentum68 · Δ7d +8.5
Value59 · Δ7d 0.0
Sentiment62 · Δ7d -6.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -6.0.

Contradictions & invalidation

  • • Commercial-loan growth may not fully offset the decline in single-family loans as the balance sheet is remixed.
  • • NIM expansion may prove less durable because the latest increase was primarily attributed to reduced borrowings.
  • • The NIM improvement was attributed primarily to reduced borrowings, while the commercial strategy and planned trust/wealth enhancements still require execution.

Catalyst clock

2026-08-14

Post-earnings follow-through

Lead driver: Sentiment · See AI snapshot
Momentum
68
9% active weight
Current posture
7d trendImproving
Δ7d
+8.5
Δ21d
+6.9
Value
59
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-0.0
Sentiment
62
62% active weight
Current posture
7d trendSoftening
Δ7d
-6.0
Δ21d
-8.7
Why this grade

Composite grade B. Momentum 68.4 / Value 58.7 / Sentiment 62.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
25%
Probability
Target price
$10.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$9.20
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$7.50
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.1B
Beta
0.67
Shares Out
125.7M
P/E (TTM)
12.9
P/S (TTM)
4.41
P/FCF (TTM)
158.56
Rev YoY
+6.5%
EPS YoY
+34.5%
Gross Margin
-
Op Margin
+23.1%
Net Debt
$1.94B
Current Ratio
0.03
As of 2026-09-16 • Updated nightlySource: Internal modelMethods & Data