CFFNCapitol Federal Financial, Inc.
Savings Institution, Federally Chartered
- Revenue
- $16M
- 6.5% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $1.1B
- Employees
- 678
- $24K revenue each
- Net debt / EBITDA
- —
- $1.5B net debt
- AI in 10-K
- 0.4
- mentions per 10K words
Takeover score 3 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo81% of net incomeCash flow under 80% of net income
- Dilutive SBCNo2% of revenueOver 10% of revenue
- Payouts exceed cash flowNo87% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo0% of assetsOver 40% of assets
- Shareholder dissentNo89% lowest supportAny vote under 80% support
Buyer economics 3 of 4
- Low revenue per employeeYes$24K · 23rd pctBottom quartile of its SIC industry
- Quiet on AIYes0.4 per 10K words · 17th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$1.1B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo$0 netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $17M | $18M | $18M | $15M | $16M | 6.5% |
| Net income | $76M | $84M | −$102M | $38M | $68M | 79% |
| Operating cash flow | $74M | $97M | $48M | $31M | $55M | 77% |
| Capex | $9M | $6M | $6M | $7M | $5M | 28% |
| Stock-based comp | $496K | $498K | $327K | $358K | $400K | 12% |
| Buybacks | $5M | $0 | $23M | $19M | $4M | 80% |
| Dividends | $118M | $103M | $83M | $45M | $44M | 0.6% |
Deal filings
None.
13D filers
| Filed | Filer | Form | Stake | Intent |
|---|---|---|---|---|
| May 5, 2026 | HoldCo Asset Management, LP | SCHEDULE 13D | 5.1% | Passive |
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.