CFFN Stock Analysis: Buy, Sell, or Hold?
CFFN - Capitol Federal Financial, Inc.
$7.28
-0.02 (-0.27%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 21, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CFFN shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: CFFN shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$10.35
Based on 7.1% avg growth
INTRINSIC VALUE TODAY
$6.42
Trading above fair value
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 10.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFFN is currently trading at $7.28, which is considered extended relative to its 30-day fair value range of $6.67 to $6.99. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (10.5). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% over the next few years. This pessimistic expectation contrasts with the company's recent 55.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CFFN is in a strong uptrend. The price is approaching resistance at $7.40. 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 $7.40. 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
Fair Price Range
$6.67 -
$6.99
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
57.1%
Protect Your Profits
Holding CFFN? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($7.00)
Fair Price Analysis
30-Day Fair Range
$6.67 -
$6.99
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$6.61
Resistance Level
$7.40
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.43
Wall Street Target
$7.00
(-4.1%)
Revenue Growth (YoY)
16.9%
Earnings Growth (YoY)
55.3%
Profit Margin
34.0%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
10.4 vs 10.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$7.27
(0%)
2-Year Target
$7.24
(-1%)
3-Year Target
$7.21
(-1%)
3-Yr Target (if PE normalizes)
(PE: 10→11)
$7.26
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 10.2%)
$20.91
(+187%)
Base:
(SPY PE: 10.4, Growth: 10.2%)
$9.78
(+34%)
Bear:
(PE: 8.9, Growth: 10.2%)
$8.31
(+14%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 13.65 | Current EPS (TTM): $0.52
Bull Case
$10.51
(+44%)
Analyst growth 34.6%, PE expands to 15.0
Base Case
$9.56
(+31%)
Market implied 34.6%, PE stable at 13.7
Bear Case
$4.83
(-34%)
Severe decline -20.0%, PE contracts to 11.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.4 to 10.5
Stabilization Target:
$7.35
(+0.7%)
PE Expansion Potential:
+0.7%
Last updated: January 31, 2026 3:38 PM ET
Data refreshes hourly during market hours. Next update: 4:38 PM
Data refreshes hourly during market hours. Next update: 4:38 PM
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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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Advanced CFFN Option Strategies
Professional options setups generated by AI based on today's CFFN price and gamma walls.
