CFFN vs PFS: stock comparison and AI forecast
Capitol Federal Financial, Inc. (CFFN) and Provident Financial Services Inc (PFS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CFFN Capitol Federal Financial, Inc.
- Price
- $8.62 +12.2% · 6M
- Market Cap
- $1.08B
- P/E Ratio
- 15.1x
- Size
- small-cap
- AI Forecast
PFS Provident Financial Services Inc
- Price
- $22.94 +1.1% · 6M
- Market Cap
- $2.99B
- P/E Ratio
- 10.1x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- PFS is 2.8 times larger than CFFN by market capitalization ($2.99B against $1.08B).
- PFS trades at 10.1 times trailing earnings, CFFN at 15.1 times.
- Over the last six months CFFN returned +12.2% and PFS +1.1%.
- CFFN turns 36.7% of its revenue into net income, against 35.0% for PFS.
- CFFN carries 8.46 times debt per unit of equity, against 7.83 times for PFS.
- CFFN yields 4.48% in dividends and PFS 4.16%.
- Both companies share the SEC industry classification Savings Institution, Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CFFN | PFS |
|---|---|---|
| Market Cap | $1.08B | $2.99B |
| P/E Ratio | 15.12x | 10.06x |
| P/B Ratio | 1.06x | 1.03x |
| Dividend Yield | 4.48% | 4.16% |
| EPS | $0.57 | $2.28 |
| Book Value/Share | $8.13 | $22.29 |
| Revenue/Share | $1.80 | $6.86 |
| FCF/Share | $0.57 | $2.69 |
Profitability & Margins
| Metric | CFFN | PFS |
|---|---|---|
| ROE | 8.1% | 10.8% |
| ROA | 0.9% | 1.2% |
| Net Margin | 36.7% | 35.0% |
| EBT Margin | 45.5% | 48.1% |
| Tax Rate | 19.2% | 27.3% |
Financial Health
| Metric | CFFN | PFS |
|---|---|---|
| D/E Ratio | 8.46x | 7.83x |
| Financial Leverage | 9.46x | 8.83x |
Cash Flow
| Metric | CFFN | PFS |
|---|---|---|
| Operating Cash Flow | $78M | $370M |
| Free Cash Flow | $72M | $350M |
| Capital Spending | -$6M | -$20M |
| OCF Growth YoY | 155.8% | -36.5% |
| FCF Growth YoY | 185.0% | -39.5% |
| FCF/Sales | 31.7% | 39.2% |
| CapEx/Sales | 2.8% | 2.2% |
Operational Efficiency
| Metric | CFFN | PFS |
|---|---|---|
| Asset Turnover | 0.02x | 0.03x |
| Fixed Assets Turnover | 2.5x | 8.0x |
Income Statement
| Metric | CFFN | PFS |
|---|---|---|
| Total Revenue | $226M | $894M |
| Net Income | $83M | $313M |
Dividend & Shareholder Information
| Metric | CFFN | PFS |
|---|---|---|
| Dividends Per Share | $0.39 | $0.95 |
| Payout Ratio | 68.4% | 41.7% |
| Shares Outstanding | 126M | 130M |
| Net Income Growth | 35.2% | 35.4% |
| EPS Growth | 58.3% | 33.3% |
CFFN vs PFS: stock comparison and AI forecast
Which is bigger, CFFN or PFS?
PFS is 2.8 times larger than CFFN by market capitalization ($2.99B against $1.08B).
Which is cheaper on earnings, CFFN or PFS?
PFS trades at 10.1 times trailing earnings, CFFN at 15.1 times.
Which stock performed better over the last six months, CFFN or PFS?
Over the last six months CFFN returned +12.2% and PFS +1.1%.
Which one does Intratio's AI model rank higher, CFFN or PFS?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.