Capitol Federal Financial, Inc.
AI Valuation
AI-generated fair value estimate for this company.
AI Fair Value
$8.71
Market Price
$8.58
Undervalued By
1.5%
Method: Excess-return-on-equity (Gordon growth on book value) model: $8.04 tangible book value per share (quarter ended 6/30/2026); 9.5% sustainable ROE; 9.0% cost of equity; 3.0% long-term book value growth rate; value = TBV x (ROE - g) / (Ke - g).
Reasoning: CFFN is a plain-vanilla thrift holding company whose value is driven by ROE relative to cost of equity rather than free cash flow; anchoring to tangible book value avoids over-weighting short-term net interest margin swings, and the result is cross-checked against a simple dividend discount model using the $0.34 annualized dividend.