Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.97 | 11.46 | 11.20 | 11.14 | 10.64 | 11.39 | 10.89 | 11.67 | 12.31 | 15.73 | 18.50 | 14.90 | 83.98 | — | 25.71 | 15.30 | 18.02 | 14.82 | 14.34 | 17.00 | 17.70 |
| — | +0.6% | +2.8% | -4.5% | -13.6% | -27.6% | -41.1% | -21.7% | -85.3% | — | -28.0% | -2.6% | +366.0% | — | +79.2% | -10.0% | +1.8% | -27.8% | -36.7% | -23.0% | -20.7% | |
| P/S Ratio | 4.56 | 4.16 | 4.93 | 3.91 | 3.91 | 3.85 | 3.96 | 3.80 | 4.14 | 4.21 | 4.02 | 4.31 | 7.08 | — | 5.14 | 4.83 | 5.76 | 5.13 | 5.62 | 7.12 | 7.62 |
| — | +8.1% | +24.5% | +2.9% | -5.5% | -8.7% | -1.5% | -11.9% | -41.4% | — | -21.8% | -10.8% | +22.9% | — | -8.5% | -32.1% | -24.4% | -33.9% | -33.7% | -20.9% | -13.4% | |
| P/B Ratio | 1.05 | 1.01 | 1.03 | 0.88 | 0.84 | 0.79 | 0.76 | 0.70 | 0.75 | 0.74 | 0.70 | 0.76 | 0.83 | 0.61 | 0.77 | 0.84 | 1.10 | 1.03 | 1.10 | 1.26 | 1.26 |
| — | +27.1% | +36.3% | +25.4% | +12.7% | +7.7% | +8.5% | -7.5% | -9.4% | +20.8% | -9.8% | -9.2% | -25.2% | -40.8% | -29.7% | -33.5% | -12.6% | -18.0% | -14.7% | -11.0% | -4.7% | |
| P/FCF | — | — | 16.83 | 11.21 | 13.86 | 10.44 | 18.42 | 12.34 | 43.10 | — | 10.85 | 10.22 | — | 13.71 | 28.53 | 25.01 | 21.55 | 8.58 | 12.50 | 24.23 | 20.50 |
| — | — | -8.7% | -9.2% | -67.8% | — | +69.8% | +20.8% | — | — | -62.0% | -59.1% | — | +59.9% | +128.3% | +3.2% | +5.2% | -52.0% | -49.3% | -46.6% | -16.9% | |
| EV / EBITDA | 16.71 | 7.79 | 26.19 | 21.13 | 22.95 | 25.38 | 28.56 | 29.84 | 32.75 | 32.03 | 37.68 | 34.54 | 168.70 | — | 70.07 | 43.99 | 42.12 | 29.19 | 25.98 | 23.77 | 24.42 |
| — | -69.3% | -8.3% | -29.2% | -29.9% | -20.8% | -24.2% | -13.6% | -80.6% | — | -46.2% | -21.5% | +300.5% | — | +169.7% | +85.1% | +72.5% | +0.5% | -13.5% | -16.4% | -21.8% | |
| EV / EBIT | 24.50 | 7.79 | 21.85 | 22.72 | 24.54 | 27.43 | 31.08 | 32.86 | 36.15 | 35.42 | 43.03 | 38.99 | 351.35 | — | 87.81 | 50.41 | 47.60 | 32.33 | 28.59 | 26.07 | 26.78 |
| — | -71.6% | -29.7% | -30.9% | -32.1% | -22.5% | -27.8% | -15.7% | -89.7% | — | -51.0% | -22.6% | +638.1% | — | +207.2% | +93.4% | +77.8% | -0.2% | -15.1% | -17.0% | -23.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.7% | 100.0% | 100.0% | 95.9% | 98.0% | 99.0% | 100.9% | 100.0% | 98.5% | 101.4% | 96.7% | 99.3% | 99.6% | 100.6% | 96.7% | 98.1% | 92.8% | 98.1% | 98.3% | 106.2% | 106.8% |
| — | +1.0% | -0.9% | -4.1% | -0.5% | -2.3% | +4.4% | +0.7% | -1.1% | +0.8% | -0.0% | +1.3% | +7.4% | +2.6% | -1.7% | -7.6% | -13.2% | -4.4% | -7.0% | +0.2% | +3.5% | |
| Operating Margin | 45.7% | 46.2% | 42.2% | 43.4% | 45.0% | 42.7% | 43.2% | 40.2% | 41.2% | 42.7% | 35.2% | 38.2% | 6.9% | 118.0% | 24.8% | 37.8% | 39.0% | 45.2% | 48.3% | 53.5% | 55.3% |
| — | +8.2% | -2.4% | +8.1% | +9.1% | +0.2% | +22.7% | +5.2% | +501.1% | -63.8% | +42.1% | +1.0% | -82.4% | +161.2% | -48.7% | -29.4% | -29.3% | -5.2% | -0.6% | +3.8% | +13.9% | |
| Net Margin | 36.7% | 36.8% | 44.1% | 34.9% | 36.2% | 34.9% | 36.7% | 32.1% | 33.3% | 26.8% | 21.8% | 30.5% | 8.4% | 89.0% | 20.8% | 30.6% | 32.1% | 35.5% | 38.2% | 41.7% | 44.0% |
| — | +5.4% | +19.9% | +8.6% | +8.7% | +30.3% | +68.7% | +5.3% | +295.0% | -69.9% | +4.8% | -0.3% | -73.7% | +150.9% | -45.5% | -26.6% | -27.0% | -4.0% | -1.1% | +2.3% | +12.0% |
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.4% | 2.2% | 2.3% | 1.9% | 1.9% | 1.8% | 1.8% | 1.5% | 1.5% | 1.2% | 0.9% | 1.3% | 0.2% | -13.3% | 0.8% | 1.3% | 1.5% | 1.7% | 1.8% | 1.8% | 1.8% |
| — | +22.8% | +30.5% | +30.6% | +29.7% | +53.0% | +87.1% | +11.6% | +512.5% | +108.8% | +21.2% | +0.2% | -83.8% | -862.3% | -57.6% | -26.2% | -16.3% | +16.9% | +26.9% | +13.0% | +22.3% | |
| ROA | 0.9% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.0% | -1.4% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +19.8% | +27.7% | +28.5% | +28.2% | +53.2% | +89.6% | +12.1% | +530.0% | +109.2% | +22.6% | +0.6% | -84.5% | -772.0% | -63.4% | -37.2% | -28.0% | +6.1% | +18.4% | +6.7% | +16.5% | |
| ROIC | 2.9% | 0.8% | 0.6% | 0.7% | 0.6% | 0.6% | 0.5% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.0% | -3.7% | 0.2% | 0.4% | 0.4% | 0.6% | 0.7% | 0.7% | 0.7% |
| — | +41.5% | +21.9% | +48.1% | +44.0% | +27.9% | +47.2% | +19.1% | +885.5% | +111.8% | +84.2% | +8.2% | -89.4% | -725.3% | -72.7% | -53.0% | -42.5% | -6.0% | +15.3% | +13.3% | +29.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.61 | 1.61 | 1.60 | 1.66 | 1.76 | 1.86 | 1.98 | 2.07 | 2.11 | 2.11 | 2.25 | 2.29 | 2.29 | 2.28 | 2.81 | 2.52 | 2.51 | 1.94 | 1.65 | 1.35 | 1.30 |
| — | -13.8% | -19.1% | -19.5% | -16.6% | -11.8% | -11.8% | -9.9% | -8.2% | -7.3% | -20.2% | -8.8% | -8.5% | +17.2% | +70.3% | +86.6% | +92.7% | +52.6% | +29.2% | +9.0% | -4.2% | |
| Debt / EBITDA | 5.08 | 20.31 | 67.06 | 63.31 | 67.85 | 78.33 | 87.97 | 101.06 | 102.64 | 102.63 | 128.55 | 120.97 | 550.98 | — | 240.59 | 134.31 | 118.52 | 77.56 | 63.47 | 52.04 | 51.82 |
| — | -74.1% | -23.8% | -37.4% | -33.9% | -23.7% | -31.6% | -16.5% | -81.4% | — | -46.6% | -9.9% | +364.9% | — | +279.0% | +158.1% | +128.7% | +30.7% | +2.9% | -6.0% | -22.1% | |
| Current Ratio | 0.04 | 0.13 | 66.42 | 0.09 | 30.58 | 0.17 | 0.18 | 0.20 | 0.17 | 0.18 | 0.18 | 0.21 | 0.18 | 0.27 | 0.29 | 0.26 | 0.26 | 0.26 | 0.28 | 0.29 | 0.30 |
| — | -26.1% | +37663.2% | -54.5% | +18292.7% | -3.0% | -3.7% | -2.7% | -6.0% | -35.3% | -37.5% | -17.8% | -32.0% | +4.0% | +5.6% | -13.2% | -14.7% | -14.8% | -13.1% | -12.4% | -4.1% | |
| Quick Ratio | 0.04 | 0.13 | 66.42 | 0.09 | 30.58 | 0.17 | 0.18 | 0.20 | 0.17 | 0.18 | 0.18 | 0.21 | 0.18 | 0.27 | 0.29 | 0.26 | 0.26 | 0.26 | 0.28 | 0.29 | 0.30 |
| — | -26.1% | +37663.2% | -54.5% | +18292.7% | -3.0% | -3.7% | -2.7% | -6.0% | -35.3% | -37.5% | -17.8% | -32.0% | +4.0% | +5.6% | -13.2% | -14.7% | -14.8% | -13.1% | -12.4% | -4.1% | |
| Interest Coverage | 1.51 | 1.55 | 0.57 | 0.48 | 0.46 | 0.42 | 0.40 | 0.35 | 0.34 | 0.34 | 0.29 | 0.33 | 0.04 | -3.24 | 0.18 | 0.37 | 0.43 | 0.74 | 1.38 | 1.62 | 1.65 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CFFN stock.
Capitol Federal Financial, Inc.'s current P/E is 12.0x. The average P/E over the last 4 quarters is 11.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Capitol Federal Financial, Inc.'s current operating margin is 45.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Capitol Federal Financial, Inc.'s business trajectory between earnings reports.