Capitol Federal Financial, Inc.
CFFNFinancial Services · Stock · quarterly payer
Forward Yield
3.82%
Annual Dividend
$0.34
Payout Ratio
52%
5-Yr Growth
0.0%
Ex-Date
Aug 7, 2026
Frequency
Quarterly
Summary
As of September 2026, Capitol Federal Financial, Inc. (CFFN) yields 3.82% ($0.34 per share annually), with a blended fair-value estimate of $16.03 — +80% upside, so it screens as undervalued. Dividend safety grade: A (82/100).
Is CFFN a good dividend stock?
YesCapitol Federal Financial, Inc. (CFFN) pays a quarterly dividend yielding 3.82% ($0.34/yr), with 0 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (52%)
- Top-tier dividend safety score
Risks
- Cut its dividend in 2011
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 3.82%
- Payout Ratio
- 52%
- Annual Dividend
- $0.34
- 5-Yr Avg Growth
- 0.0%
- Ex-Dividend Date
- Aug 7, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.66
- Market Cap
- $1.1B
- P/E Ratio
- 13.7
- 5-Yr Total Return
- -27%
- 52-Week Range
- $5.97 – $9.26
- Dividend Safety
- A · 82/100
- Ever Cut?
- Yes (2011)
Frequently Asked Questions
CFFN Price — Last 12 Months
Daily close
Price Return
1 Year
+47%
3 Years
+71%
5 Years
-27%
52-Week Range
$5.97 – $9.26
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CFFN worth?
Undervaluedlow confidenceOur blended fair-value estimate for Capitol Federal Financial, Inc. is $16.03 per share, versus a market price of $8.90. That implies 80% of upside — a margin of safety of about 44%.
Fair Value
$16.03
Current Price
$8.90
Upside
+80%
Margin of Safety
44%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 40.0% annual free-cash-flow growth. We model 20.0% — so the price already assumes faster growth than we think is likely.
Assumptions: 7.6% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $0.65 EPS, $0.34 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CFFN Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 7, 2026 | — | $0.0850 | regular |
| May 1, 2026 | — | $0.0850 | regular |
| Feb 6, 2026 | — | $0.0850 | regular |
| Jan 9, 2026 | — | $0.0400 | regular |
| Nov 7, 2025 | — | $0.0850 | regular |
| Aug 1, 2025 | — | $0.0850 | regular |
| May 2, 2025 | — | $0.0850 | regular |
| Feb 7, 2025 | — | $0.0850 | regular |
| Nov 1, 2024 | — | $0.0850 | regular |
| Aug 2, 2024 | — | $0.0850 | regular |
| May 2, 2024 | — | $0.0850 | regular |
| Feb 1, 2024 | — | $0.0850 | regular |
| Nov 2, 2023 | — | $0.0850 | regular |
| Aug 3, 2023 | — | $0.0850 | regular |
Income Calculator
At $0.34 / yr per share
