CFFN trades 12.2% below Wall Street's consensus target of $9.75.
Last 12 months price action with 12-month analyst target path
The base valuation assumes CFFN achieves its forward estimates and maintains a stable P/E multiple of 12.7x. This scenario reflects the blended consensus of 5 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Capitol Federal Financial, Inc. (CFFN) has a Wall Street consensus price target of $9.75, based on estimates from 5 covering analysts. With the stock currently trading at $8.69, this represents a potential upside of +12.2%. The company has a market capitalization of $1.07B.
Analyst price targets range from a low of $9.50 to a high of $10.00, representing a 5% spread in expectations. The median target of $9.75 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 0 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 0 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, CFFN trades at a trailing P/E of 16.7x and forward P/E of 12.7x. The forward PEG ratio of 6.21 reflects a premium valuation. Analysts expect EPS to grow +2.5% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $10.96, with bear and bull scenarios of $6.90 and $14.44 respectively. Model confidence stands at 43/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 WAFDWaFd, Inc. | $2.3B | $30.70 | $38.00 | +23.8% | Hold | 9.3x | 11 |
 HOMBHome Bancshares, Inc. | $5.8B | $28.84 | $33.25 | +15.3% | Hold | 11.5x | 19 |
 NWBINorthwest Bancshares, Inc. | $2.2B | $15.04 | $17.50 | +16.4% | Hold | 10.7x | 15 |
 TRSTTrustCo Bank Corp NY | $946M | $55.54 | — | — | Hold | 19.4x | 3 |
 KRNYKearny Financial Corp. | $588M | $9.34 | $10.75 | +15.1% | Hold | 14.9x | 5 |
 FMAOFarmers & Merchants Bancorp, Inc. | $476M | $34.58 | $36.00 | +4.1% | Hold | 10.9x | 2 |
 BSVNBank7 Corp. | $525M | $55.10 | $57.00 | +3.4% | Buy | 12.5x | 3 |
 HFWAHeritage Financial Corporation | $1.2B | $27.95 | $32.00 | +14.5% | Buy | 14.1x | 14 |
 CZWICitizens Community Bancorp, Inc. | $205M | $21.23 | $24.00 | +13.0% | Buy | 14.9x | 3 |
 FHNFirst Horizon Corporation | $10.9B | $23.02 | $28.07 | +21.9% | Hold | 10.7x | 35 |
Quick answers to the most common questions about buying CFFN stock.
Capitol Federal Financial, Inc. (CFFN) has a consensus 12-month price target of $9.75, implying 12.2% upside from $8.69. The 5 analysts covering CFFN see moderate appreciation potential.
CFFN has a consensus rating of "Hold" based on 5 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $9.75 implies 12.2% upside from current levels.
With a forward P/E of 12.6861x, CFFN trades at a relatively low valuation. The consensus target of $9.75 implies 12.2% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $10 for CFFN, while the most conservative target is $9.5. The consensus of $9.75 represents the median expectation. Our quantitative valuation model projects a bull case target of $14 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
CFFN is moderately covered, with 5 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 0 have Buy ratings, 5 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month CFFN stock forecast based on 5 Wall Street analysts shows a consensus price target of $9.75, with estimates ranging from $9.5 (bear case) to $10 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $11, with bear/bull scenarios of $7/$14.
Our quantitative valuation model calculates CFFN's fair value at $11 (base case), with a bear case of $7 and bull case of $14. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 43/100.
CFFN trades at a forward P/E ratio of 12.7x based on next-twelve-months earnings estimates compared to a trailing P/E of 16.7x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on CFFN, with a "Hold" consensus rating and $9.75 price target (12.2% upside). 0 of 5 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
CFFN analyst price targets range from $9.5 to $10, a 5% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $9.75 consensus represents the middle ground. Our model's $7-$14 range provides an independent fundamental perspective.
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