Stock Ratings / Financials / CFFN / options

HTB (60) KRNY (54) PDLB (68) NRIM (62) ⌘ Pro Terminal →

Capitol Federal Financial Inc. (CFFN) Options Positioning, Max Pain & Unusual Sweeps

$8.43 -1.29% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $8.39

Capitol Federal Financial Inc. (CFFN) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $1.06B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CFFN Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CFFN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Capitol Federal Financial Inc. (NASDAQ: CFFN) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $8.43 (-1.29% 1D, market cap $1.06B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CFFN ranks #309 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CFFN compare to HTB and KRNY in the Financials sector?

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Within the Financials sector (Savings Institutions), CFFN carries a Roarable C (63/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 6.5%. By comparison, HTB (HomeTrust Bancshares Inc.) holds a C- grade (60/100 RQD, P/E 11.6x, ROIC 10.7%, cap $732.8M) and KRNY (Kearny Financial Corp) posts a D+ grade (54/100 RQD, P/E 23.0x, ROIC 3.4%, cap $592.2M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CFFN?

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Per CFFN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001490906), Capitol Federal Financial Inc. generated $16.3M in revenue (+6.5% YoY), $68.0M in net income, and $49.8M in free cash flow against $9.78B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $8.39 (-0.42%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 305.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CFFN)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY CFFN SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$8.26-1.2% Next Q

Q2 (-2Q)

Grade C$8.16+4.7% Next Q

Q3 (-1Q)

Grade C$8.54-1.3% Next Q

Current

Grade C$8.43+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CFFN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, CFFN faces multiple-compression risk if 15.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($8.55) or 200D SMA ($8.01) invalidates the momentum regime and cuts Target Base ($8.62) toward Bear Floor ($6.72).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CFFN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CFFN Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.4%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (CFFN)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for CFFN.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CFFN & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CFFN
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CFFN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.77%▼ DESCENDING CHANNEL

2026-11-03O $8.54H $8.54L $8.43C $8.43VOL 869.9K

RES: $8.67SUP: $7.90SMA50: $8.55SMA200: $8.01

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CFFN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CFFN Butterfly Map → + Track CFFN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.3%/yr Implied 5Y Growth

vs. +6.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CFFN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CFFN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CFFN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CFFN)

Financials Rank #309 of 1096 ⚔️ HTB vs CFFN Full Matrix →

1. Head-to-Head Financials Peer Comparison (CFFN vs. HTB, KRNY, PDLB, NRIM)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Capitol Federal Financial Inc. (CFFN) ranks #309 by composite RQD confidence (63/100, grade C) and #537 by equity capitalization ($1.06B). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. PDLB currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with CFFN at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CFFN ACTIVE Capitol Federal Financial Inc.	C	63/100	15.8x	—	6.5%	-1.29%	$1.06B	Benchmark Subject
HTB HomeTrust Bancshares Inc.	C-	60/100	11.6x	—	10.7%	-2.03%	$732.8M	/htb-vs-cffn →
KRNY Kearny Financial Corp	D+	54/100	23.0x	—	3.4%	-1.19%	$592.2M	/krny-vs-cffn →
PDLB Ponce Financial Group Inc.	C+	68/100	19.9x	—	5.1%	-0.84%	$544.0M	/pdlb-vs-cffn →
NRIM Northrim BanCorp Inc	C	62/100	8.3x	—	19.8%	-1.36%	$530.5M	/nrim-vs-cffn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0001490906

In its most recent audited fiscal period (FY2025, filed 2025-09-30), Capitol Federal Financial Inc. (CFFN) reported GAAP revenue of $16.3M (+6.5% vs. FY2024 revenue of $15.3M , and -7.4% cumulative change since FY2023) , GAAP net income of $68.0M, operating cash flow of $55.0M, and free cash flow of $49.8M (+107.7% YoY). On the balance sheet, CFFN closed FY2025 with $9.78B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-09-30	$16.3M	$68.0M	$55.0M	$49.8M	$9.78B	—
FY2024 (FY)	2024-09-30	$15.3M	$38.0M	$31.2M	$24.0M	$9.54B	—
FY2023 (FY)	2023-09-30	$17.6M	-$101.7M	$47.5M	$47.5M	—	—

3. CFFN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CFFN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CFFN compare to HTB and KRNY in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CFFN?

Where is CFFN trading relative to its 50-day, 200-day, and 52-week technical levels?

CFFN last traded at $8.43 (-1.29% on volume of 869,882 shares), positioning the stock -1.40% below its 50-day simple moving average ($8.55) and +5.24% above its 200-day simple moving average ($8.01). Across its 52-week range of $5.97 to $9.26, CFFN sits at the 74.8% percentile with a 14-day RSI of 49.9 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($8.06 to $8.80).

CFFN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is CFFN's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for CFFN.

Direct Sub-Reports: CFFN RQD Cockpit CFFN 12M Forecast CFFN Earnings & Move CFFN Dividends & DRIP CFFN Insiders & 13F CFFN Whale Options CFFN Profit Sankey CFFN News & Why

ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

CFFN — Capitol Federal Financial Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:30:54Z

Roarable Rating Brief: What This Means to a Prospective Investor

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.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$16.3M	$0.0M	$68.0M	N/A	$49.8M	$232.6M	N/A
FY 2024	$15.3M	$0.0M	$38.0M	N/A	$24.0M	$170.3M	N/A
FY 2023	$17.6M	$0.0M	$-101.7M	N/A	$47.5M	N/A	N/A

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.

Recent Catalysts & News Wire Analysis

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.

Open Questions

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?

CFFN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Capitol Federal Financial Inc. (CFFN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CFFN Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 16h ago

Capitol Federal Financial, Inc. (CFFN) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 19h ago

Capitol Federal Financial: Margin Expansion Supports The Bull Case (NASDAQ:CFFN)

Seeking Alpha report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Moomoo • 22h ago

Capitol Federal Financial(CFFN) Stock Options Chain | Quotes & News

Moomoo report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Capitol Federal Financial (CFFN) Has A Fresh Update, But What Is Drawing Attention?

Yahoo Finance report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Capitol Federal Financial, Inc. Estimates – NASDAQ:CFFN

TradingView report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

KBW Reaffirms Their Hold Rating on Capitol Federal Financial (CFFN)

The Globe and Mail report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Stock Titan • 1d ago

An executive holds 49,497 shares through an employee stock plan at Capitol Federal (CFFN).

Stock Titan report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Capitol Federal Financial (NASDAQ:CFFN) Stock Crosses Above Two Hundred Day Moving Average - Time to Sell?

MarketBeat report covering Capitol Federal Financial Inc. (CFFN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CFFN Bull vs. Bear Conversation Board — What's Your Call at $8.43?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CFFN 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $9.22 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is CFFN (C • RQD 65/100) a Buy at $8.54?

Welcome to the CFFN (Capitol Federal Financial Inc.) Roar Pit. Current RQD Composite is 65/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $6.75 (-21.0%)

Spot @ $8.54

Pump the brakes on CFFN — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on CFFN, but look at what you are paying: 15.8x trailing P/E with tightening sector spreads. Unless Capitol Federal Financial Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $9.74 (+14.1%)

Spot @ $8.54

CFFN cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on CFFN, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $8.54 (52-wk range $5.97 - $9.26), any beat on forward guidance forces shorts and underweight funds to chase.