Capitol Federal Financial vs TFS Financial
CFFN and TFSL side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CFFN and TFSL compare
TFS Financial is the larger company, worth 4.3 times as much as Capitol Federal Financial ($4.6B against $1.1B).
On earnings, Capitol Federal Financial is cheaper: it trades at 12.9× trailing earnings, against 45.5× for TFS Financial.
Capitol Federal Financial grew revenue faster over the last twelve months (19.4% versus 10.5% for TFS Financial).
Capitol Federal Financial keeps more of each dollar of sales as profit, with a net margin of 36.1% compared with 29.7% at TFS Financial.
Both pay dividends: Capitol Federal Financial yields 4.0% and TFS Financial 7.1%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CFFN | TFSL |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $4.6B |
| Share price | $8.41 | $16.38 |
| Change, 1 year | 32.0% | 19.0% |
| Change, 5 years | −29.6% | −15.3% |
| Beta (5Y) | 0.59 | 0.59 |
| Employees | 678 | 958 |
| StockData Score | ||
| Total score | 13 | 13 |
| Valuation score | 2 (better) | 1 |
| Growth score | 2 | 2 |
| Performance score | 3 | 3 |
| Health score | 2 (better) | 1 |
| Dividend score | 4 | 6 (better) |
| Valuation | ||
| P/E | 12.9× (better) | 45.5× |
| P/S | 4.6× (better) | 13.4× |
| P/B | 1.0× (better) | 2.3× |
| P/FCF | 14.8× (better) | 53.2× |
| PEG | – | 6.35 |
| FCF yield | 6.8% (better) | 1.9% |
| Fair value | $8.26 | $10.91 |
| Margin of safety | −1.8% (better) | −50.1% |
| Growth | ||
| Revenue growth (TTM) | 19.4% (better) | 10.5% |
| Revenue growth, 5Y average | 1.9% (better) | 1.7% |
| Net income growth (TTM) | 35.2% (better) | 22.7% |
| EPS growth (TTM) | 38.3% (better) | 24.1% |
| EPS growth, 5Y average | 2.0% (better) | 2.0% |
| Profitability | ||
| Net margin | 36.1% (better) | 29.7% |
| FCF margin | 31.2% (better) | 25.1% |
| Return on equity | 8.0% (better) | 5.3% |
| Financial health | ||
| Altman Z-score | 0.09 | 0.27 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 4.0% | 7.1% (better) |
| Payout ratio | 58.6% | 58.6% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | −12.9% | 0.36% (better) |
| Buyback yield | 4.7% (better) | 0.19% |
| Shareholder yield | 8.8% (better) | 7.3% |
| Ownership | ||
| Held by institutions | 81.4% | 13.7% |
| Held by insiders | 7.7% | 0.45% |
| Insider net buying, 12 months | $0 (better) | −$2.4M |
| Short interest, % of float | 5.8% | 3.7% |
Go deeper
- CFFN stock overview
- CFFN income statement
- CFFN valuation and score
- TFSL stock overview
- TFSL income statement
- TFSL valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.