CFFN
Capitol Federal Financial
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CFFN
- PE Ratio
The P/E ratio for Capitol Federal Financial stock stands at 13.1 as of Jun 2, 2026. This is calculated based on the TTM EPS of $0.6 and the stock price of $7.86 per share. An increase of 18% has been observed in the PE ratio compared to its average of 11.1 of the past four quarters.
CFFN PE ratio history
Over the last ten years, the average PE ratio of Capitol Federal Financial has been 18.57. The current 13.1 price-to-earnings ratio is 29% less than the historical average. Analyzing the last ten years, CFFN's PE ratio reached its highest point in the Dec 2020 quarter at 28.41, with a price of $12.5 and an EPS of $0.44. The Dec 2025 quarter saw the lowest point at 10.01, with a price of $6.81 and an EPS of $0.68.
Capitol Federal Financial PE ratio by year
Maximum annual increase: 46.08% in 2011
Maximum annual decrease: -42.16% in 2012
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 12.21 | -39.37% | $6.35 | $0.52 |
| 2024 | 20.14 | N/A | $5.84 | $0.29 |
| 2023 | N/A | N/A | $4.77 | -$0.76 |
| 2022 | 13.39 | -34.75% | $8.3 | $0.62 |
| 2021 | 20.52 | 4.11% | $11.49 | $0.56 |
| 2020 | 19.71 | -2.71% | $9.27 | $0.47 |
| 2019 | 20.26 | 16.1% | $13.78 | $0.68 |
| 2018 | 17.45 | -25.2% | $12.74 | $0.73 |
| 2017 | 23.33 | 4.48% | $14.7 | $0.63 |
| 2016 | 22.33 | 6.94% | $14.07 | $0.63 |
| 2015 | 20.88 | -1.09% | $12.11 | $0.58 |
| 2014 | 21.11 | -18.49% | $11.82 | $0.56 |
| 2013 | 25.9 | 1.77% | $12.43 | $0.48 |
| 2012 | 25.45 | -42.16% | $11.96 | $0.47 |
| 2011 | 44 | 46.08% | $10.56 | $0.24 |
Capitol Federal Financial PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 11.88 | 18.68% | $7.13 | $0.6 |
| Dec 2025 | 10.01 | -18.02% | $6.81 | $0.68 |
| Sep 2025 | 12.21 | 18.09% | $6.35 | $0.52 |
| Jun 2025 | 10.34 | -3.99% | $6.1 | $0.59 |
| Mar 2025 | 10.77 | -28.91% | $5.6 | $0.52 |
| Dec 2024 | 15.15 | -24.78% | $5.91 | $0.39 |
| Sep 2024 | 20.14 | N/A | $5.84 | $0.29 |
| Jun 2024 | N/A | N/A | $5.49 | -$0.85 |
| Mar 2024 | N/A | N/A | $5.96 | -$0.86 |
| Dec 2023 | N/A | N/A | $6.45 | -$0.86 |
| Sep 2023 | N/A | N/A | $4.77 | -$0.76 |
| Jun 2023 | 14.35 | 12.99% | $6.17 | $0.43 |
| Mar 2023 | 12.7 | -14.82% | $6.73 | $0.53 |
| Dec 2022 | 14.91 | 11.35% | $8.65 | $0.58 |
| Sep 2022 | 13.39 | -9.59% | $8.3 | $0.62 |
CFFN Price vs fair value
CFFN average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
CFFN's current PE ratio is under its 3, 5 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 13.1, CFFN stands higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 12.38, Capitol Federal Financial's price to earnings (P/E) is 6% higher.
CFFN PE vs peers
CFFN's PE ratio is less than its peer stocks NBHC and CZWI, but it is above SMBC's.
| Stock name | PE ratio | Market cap |
|---|---|---|
| SMBC Southern Missouri Bancorp Inc | 11.23 | $743.56M |
| CFFN Capitol Federal Financial Inc | 12.7 | $965.99M |
| CZWI Citizens Community Bancorp Inc | 13.41 | $197.8M |
| NBHC National Bank Holdings Corp | 15.23 | $1.83B |
Frequently asked questions
What is Capitol Federal Financial's PE ratio?
The price to earnings ratio for CFFN stock is 13.1 as of Jun 2, 2026.
What is the 3-year average PE ratio for Capitol Federal Financial (CFFN)?
The 3-year average PE ratio for CFFN stock is 13.11.
What is the 5-year average PE ratio for Capitol Federal Financial (CFFN)?
The 5-year average PE ratio for CFFN stock is 15.04.
What is the highest PE ratio for CFFN?
Over the last ten years, the Dec 2020 quarter recorded the highest quarterly PE ratio at 28.41.
How does the current PE ratio for CFFN compare to its historical average?
The current PE ratio of CFFN is 29% lower than the 10-year historical average.
How is CFFN's PE ratio calculated (Capitol Federal Financial PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months earnings per share(EPS). As of today (Jun 2, 2026), Capitol Federal Financial's share price is $7.86. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $0.6. Therefore, Capitol Federal Financial's price to earnings ratio for today is 13.1. PE RATIO(13.1) = STOCK PRICE($7.86) / TTM EPS($0.6)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.