Should I Buy CFFN? CFFN 2026 Analysis

Should You Buy Capitol Federal Financial Inc (CFFN) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

7.600

1 Day change

-0.26%

52 Week Range

7.740

Analysis Updated At

2026/02/04

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Not a good buy right now: pre-market ~$7.59 is extended and sitting at/above near-term resistance (R1 ~$7.587) while RSI is deeply overbought.
Upside looks limited near-term: the latest analyst price target is $7.50 (Market Perform), and the stock is already trading above that level.
No Intellectia edge today: AI Stock Picker = no signal; SwingMax = no recent signal, so there’s no strong tactical “must-buy now” trigger.
If you already own it, it’s a hold/trim into strength setup rather than adding at this price.

Technical Analysis

Trend: Bullish structure (SMA_5 > SMA_20 > SMA_200) and MACD histogram positive and expanding (momentum still up).
Overbought risk: RSI(6) ~82.4 indicates stretched conditions where pullbacks are common.
Key levels: Pivot ~$7.171; Resistance R1 ~$7.587 (being tested/cleared pre-market), R2 ~$7.844; Supports S1 ~$6.754 and S2 ~$6.497.
Pattern-based forward bias (from similar candlesticks): mild downside skew over the next week (-0.78%) and month (-2.9%), which aligns with an overbought fade risk.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning: Put/Call OI ratio 0.39 suggests call-heavy open interest (more bullish positioning than bearish hedging).
Activity: Options volume is essentially zero (call vol 0, put vol 0), so sentiment from trading flow is not reliable today.
Volatility: 30D IV ~64.3 vs historical vol ~33.8 (options imply elevated moves vs realized); IV percentile ~44.4 (mid-range), IV rank ~10.8 (low vs its own recent range).

Technical Summary

Sell

Buy

Positive Catalysts

- Strong latest-quarter growth: 2026/Q1 revenue +20.26% YoY, net income +31.73% YoY, EPS +33.33% YoY.
- Technical trend remains bullish (moving averages aligned upward; MACD positive).
- Hedge funds/insiders show no negative trend signals (both neutral).

Neutral/Negative Catalysts

- Price is extended: RSI overbought and trading into resistance; near-term risk of mean reversion.
- Analyst stance is not supportive of chasing: Market Perform with PT $7.50, below current pre-market price.
- No near-term news catalysts in the last week; momentum may cool without a fresh trigger.
- No options volume confirmation despite call-heavy OI (positioning without current flow).

Financial Performance

Latest quarter: 2026/Q1.
Revenue: $54.26M, +20.26% YoY (accelerating top-line trend).
Net income: $20.30M, +31.73% YoY (profit growth outpacing revenue).
EPS: $0.16, +33.33% YoY (solid per-share earnings growth).
Gross margin listed as 0 (not meaningful for this dataset/likely not comparable here), but earnings growth is clearly positive.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

2026-01-29: Keefe Bruyette raised PT to $7.50 from $6.50; rating maintained at Market Perform.
Street pros: improving target suggests fundamentals/trend are better than previously expected.
Street cons: “Market Perform” and a PT below current price implies limited upside from here and argues against buying aggressively at ~$7.59.
Politicians/congress: No recent congress trading data available (no signal from that channel).

1 Analyst Rating

Wall Street analysts forecast CFFN stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for CFFN is 7 USD with a low forecast of 7 USD and a high forecast of 7 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

1 Hold

0 Sell

Hold

Current: 7.620

Low

Averages

High

Current: 7.620

Low

Averages

High

Keefe Bruyette

Market Perform

maintain

AI Analysis

2026-01-29

Reason

Keefe Bruyette

Price Target

AI Analysis

2026-01-29

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on Capitol Federal to $7.50 from $6.50 and keeps a Market Perform rating on the shares.

Piper Sandler

Neutral

initiated

2025-10-22

Reason

Piper Sandler

Price Target

2025-10-22

initiated

Neutral

Reason

Piper Sandler assumed coverage of Capitol Federal with a Neutral rating and $7 price target. The firm links the bank's setup due to its improving profitability, "attractive" dividend yield and "outstanding" credit quality. However, Piper wants to see further evidence of Capitol Federal's net interest margin "power in a down-rate environment" before recommending the shares.

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CFFN Should I Buy

CFFN Should I Buy

Should You Buy Capitol Federal Financial Inc (CFFN) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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