Capitol Federal Financial Inc. (CFFN) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, CFFN scores 65/100, a letter grade of C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

• Fundamental Cash Engine: 12/20. Per the RQD rating, this pillar reflects ROIC of 6.5% and an FCF yield of 4.64%. Investor implication: returns on capital are positive but modest, and the cash yield is not especially high relative to the price.
• Whale 13F Flow: 12/20. Per the RQD rating, this pillar reflects institutional accumulation and options positioning. The source data does not provide the underlying 13F detail, so the score is taken as stated.
• Insider Conviction: 16/20. Per the RQD rating, this is the strongest pillar, reflecting SEC Form 4 and Congressional PTR cluster flow. Investor implication: insider-side signals are the most constructive element of the rating, though the underlying transactions are not itemized in the source data.
• Macro Regime Fit: 12/20. Per the RQD rating, beta is 1.0 and sector sensitivity is noted. Investor implication: the stock is expected to move in line with the broader market, offering neither defensive insulation nor amplified upside on a beta basis.
• Forensic Balance Sheet: 13/20. Per the RQD rating, Altman Z is 2.5, Piotroski F is 5/9, and Debt/Equity is 0.5. Investor implication: the balance sheet is adequate rather than strong, with a moderate Piotroski reading and modest leverage.

Taken together, the rating points to a balanced setup: solid insider signals and acceptable balance-sheet metrics offset by modest capital returns and market-level macro sensitivity. Upside drivers would need to come from improving returns on capital or sustained insider accumulation; valuation tradeoffs are reflected in a trailing P/E of 15.8 against a forward P/E of 14.7 per the market data.

Per the SEC financials, net income rose from $38.0M in FY 2024 to $68.0M in FY 2025, after a $-101.7M loss in FY 2023. Per the market data, the net margin is 68%, while gross and operating margins are reported as 0%. Per the Roarable RQD rating, ROIC is 6.5% and the Altman Z-Score is 2.5, with a Piotroski F-Score of 5/9 and Debt/Equity of 0.5. Reported cash grew from $170.3M to $232.6M over FY 2024–FY 2025.

Per the recent news section, six items were captured, all tagged to CFFN:

• A Seeking Alpha piece headlined around margin expansion supporting the bull case was flagged GREEN (CATALYST).
• Several items (Yahoo! Finance Canada, Moomoo, Yahoo Finance, TradingView, and The Globe and Mail) were flagged YELLOW or MARKET WIRE, covering market action and positioning without specific fundamental detail.
• The Globe and Mail item reports that KBW reaffirmed a Hold rating on CFFN.

Per the Butterfly Supply-Chain Graph, there are no supply-chain links and no proprietary signals. Risk watch items are limited to the absence of detail in the news summaries; the headlines themselves are generic market-wire content.

• What specifically drives the Savings Institutions business model at CFFN, and how does it generate revenue beyond the reported figures?
• Why is operating income reported as $0.0M in every period while net income is substantially positive, and what explains the FY 2025 net margin of 68%?
• What are the EPS and total debt figures for each reported period, given that both are listed as N/A?
• What were the Form 4 insider and 13F institutional transactions underlying the 16/20 insider and 12/20 whale pillar scores?
• What caused the FY 2023 net loss of $-101.7M, and has the underlying issue been resolved?