CFFN

Capitol Federal FinancialB

Nasdaq / Banks

At close

2026-08-01

Current thesis

The earnings release supports a cautiously constructive view: margin expansion, commercial-loan growth, lower borrowing costs, improving efficiency, and continued capital returns are tangible execution signals. [#SEC-8K-2026-07-29]

Posture

Constructive

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta +2.5.

What can break

Credit-loss releases may reverse, and commercial-loan growth increases exposure to commercial credit performance.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $9.25 · Bull $10.50 · Bear $7.25

Data freshness

Prices

As of 2026-08-01

Fundamentals

As of 2026-07-31 • Vendor: Data Vendor v1

Scores

As of 2026-08-01 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-30 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-08-01

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $9.17

Why

Momentum60 · Δ7d -14.4

Value58 · Δ7d -0.8

Sentiment52 · Δ7d +2.5

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Sentiment · See AI snapshot

Momentum

10% active weight

Current posture

7d trendSoftening

Δ7d

-14.4

Δ21d

-4.0

Value

40% active weight

Current posture

7d trendFlat

Δ7d

-0.8

Δ21d

-0.7

Sentiment

49% active weight

Current posture

7d trendImproving

Δ7d

+2.5

Δ21d

-3.8

Why this grade

Composite grade B. Momentum 59.8 / Value 58.2 / Sentiment 52.0

Fundamentals (TTM)

As of 2026-07-31

Market Cap

$1.12B

Beta

0.67

Shares Out

126.77M

P/E (TTM)

12.9

P/S (TTM)

4.41

P/FCF (TTM)

158.56

Rev YoY

+6.7%

EPS YoY

+34.3%

Gross Margin

Op Margin

+41.3%

Net Debt

$1.94B

Current Ratio

0.08

As of 2026-08-01 • Updated nightlySource: Internal modelMethodology