What is Capitol Federal Financial, Inc.'s Shariah compliance score?

Capitol Federal Financial, Inc.'s (CFFN) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Capitol Federal Financial, Inc. pass AAOIFI screening?

Capitol Federal Financial, Inc. (CFFN) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (CFFN: 181.0%), (3) interest-bearing deposits below 30% (CFFN: 23.4%), and (4) prohibited income below 5% (CFFN: 2044.3%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Capitol Federal Financial, Inc. stock?

Capitol Federal Financial, Inc. (CFFN) has a non-permissible income ratio of 2044.26%. Muslim investors should purify this percentage of any dividends received and capital gains realized from CFFN shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Capitol Federal Financial, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Capitol Federal Financial, Inc. (CFFN) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about CFFN's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

CFFN: Is Capitol Federal Financial, Inc. Halal?

Capitol Federal Financial, Inc.

NASDAQFinancial ServicesUS

$8.50

+0.24%

Market Cap: 1.1B

Compliance Status

Not Halal

Screened on Jul 19, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Capitol Federal Financial, Inc. (CFFN) halal? Not Halal. Based on AAOIFI screening, Capitol Federal Financial, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

181.0% of 30.0% limit

What this means for you

Most scholars advise not holding CFFN

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Capitol Federal Financial, Inc.

Capitol Federal Financial, Inc. acts as the parent company for Capitol Federal Savings Bank, offering a comprehensive suite of retail banking services. The bank provides diverse deposit products, including savings, money market, interest-bearing and standard checking accounts, as well as certificates of deposit. Its lending portfolio is equally broad, featuring mortgages for one-to-four-family residences, commercial real estate, commercial and industrial, and construction loans. Additionally, consumer credit options are available, such as home equity loans and lines of credit, home improvement loans, vehicle loans, and loans secured by savings deposits. Beyond these, the institution delivers modern banking conveniences through mobile, telephone, and online platforms, alongside bill payment services, and operates a customer call center. It also engages in strategic securities investments. The bank's physical presence includes 54 branches—45 traditional and 9 in-store locations—spanning nine counties in Kansas and two in Missouri. Key service areas encompass the metropolitan regions of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina in Kansas, plus a segment of the broader Kansas City metropolitan area. Capitol Federal Financial, Inc., founded in 1893, is headquartered in Topeka, Kansas.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 19, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

More Financial Services Stocks

JPM

JPMorgan Chase & Co.

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Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is Capitol Federal Financial, Inc. (CFFN) halal to invest in?

Capitol Federal Financial, Inc. (CFFN) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Capitol Federal Financial, Inc. get a F compliance rating?

Capitol Federal Financial, Inc. (CFFN) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 181.0% (limit 30%); interest-bearing deposits of 23.4% (limit 30%); prohibited income of 2044.26% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Capitol Federal Financial, Inc.'s Shariah verdict?

Capitol Federal Financial, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Capitol Federal Financial, Inc. re-screened for Shariah compliance?

Capitol Federal Financial, Inc. (CFFN) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 19, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.