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TFS Financial Corporation TFSL

Financial Services · Banks - Regional · United States
https://www.thirdfederal.com
Company Profile ↓
$18.32
+54.50% 1Y
Mkt Cap$5.14B
P/E50.89
P/B2.67
Div. Yield6.14%
52W High$18.61
52W Low$11.72
Book Value$6.89
EPS (TTM)$0.36

Company Overview

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

Why Investors Should Care

Healthy Margins

Maintains a net profit margin of 27.8%.

Dividend Income

Offers a dividend yield of 6.14%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Sep 2025 Revenue of $321.47M (+6.0% YoY); net profit $90.96M.
  • Trailing 12 Months Year-on-year growth — revenue +9.8%, earnings +14.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.4%, profit CAGR 6.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.35%
1 Year:9.80%

Compounded Profit Growth

5 Years:6.85%
1 Year:14.30%

Stock Price Performance

1 Year:+54.50%
6 Months:+31.85%
3 Months:+24.07%
1 Month:+3.04%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 96% of range
$11.72 $18.61
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)58.52 · Neutral
Price Performance
1M+3.04%
3M+24.07%
6M+31.85%
1Y+54.50%
Valuation vs Sector

P/E of 50.89 is above the sector median of 13.48 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 27.8%.
  • Attractive dividend yield of 6.14%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading at a high P/E of 50.9.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
50.89
Industry PE
13.48
Forward P/E
46.97
PEG Ratio
72.62
Book Value
$6.89
Price to Book
2.67
P/S
15.44
EV/EBITDA
-
Dividend Yield
6.14%

Growth (CAGR)

Revenue 5Y
3.35%
Profit 5Y
6.85%
Revenue (YoY)
9.80%
Earnings (YoY)
14.30%

Profitability & Returns

ROCE
-
ROE
4.87%
ROA
0.54%
Profit Margin
27.77%
Op Margin
39.18%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.11
EPS (TTM)
$0.36

Balance Sheet & Liquidity

Debt/Equity
2.59
Quick Ratio
-
Current Ratio
-
Debt
$5.17B
Total Assets
$17.48B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.46%
Chg in Prom Hold
-
FII / Inst Holding
95.01%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$5.14B
Total Revenue (TTM)
$335.00M
EBITDA
-
Free Cash Flow
$70.97M
Operating Cash Flow
$92.04M
Shares Outstanding
280.43M
Gross Margin
0.00%
Payout Ratio
313.89%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 TFSL TFS Financial Corporation 18.32 50.89 $5.14B 6.14% - 4.87% 3.35% 6.85%
2 WFC Wells Fargo & Company SPX 89.17 12.96 $269.65B 2.31% - 12.57% -0.76% 5.90%
3 BK Bank of New York Mellon Corp SPX 157.13 19.50 $107.85B 0.02% - 13.47% 6.87% 29.48%
4 USB U.S. Bancorp SPX 64.21 12.82 $100.02B 3.30% - 12.62% 3.51% 3.16%
5 NTRS Northern Trust Corporation SPX 182.19 18.80 $33.71B 1.71% - 14.46% 0.94% 4.96%
6 WRB W. R. Berkley Corporation SPX 72.08 14.83 $26.75B 0.55% - 20.21% 7.35% 12.22%
7 SSB SouthState Bank Corporation 109.19 11.47 $10.59B 2.51% - 10.60% 17.50% 17.21%
8 ZION Zions Bancorporation, National Association 71.70 9.13 $10.46B 2.75% - 16.40% 2.41% -0.29%
9 UBSI United Bankshares, Inc. R2K 48.45 13.57 $6.68B 3.29% - 9.34% 6.81% 10.36%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Dec 2021Mar 2022Jun 2022Dec 2022Mar 2023Jun 2023Dec 2023Mar 2024Jun 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ---------251.00K---454.00K--------------------79.12M82.04M85.48M83.73M85.24M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------113.90M116.41M121.73M122.09M117.66M-
Pretax Income ----------------------------------26.53M27.36M32.44M28.50M29.84M-
Tax Provision ----------------------------------5.51M5.84M6.44M6.22M6.60M-
Net Income 23.02M17.85M19.28M20.62M22.81M19.61M23.46M22.79M23.02M19.61M23.31M20.88M21.61M20.33M20.13M18.26M21.52M25.64M17.26M26.84M13.58M25.00M23.01M15.98M16.14M15.85M17.15M22.19M15.91M17.60M20.71M20.71M19.95M22.43M21.02M21.51M26.00M22.27M23.25M-
Diluted EPS -0.060.070.07-0.070.080.08-0.070.080.07-0.070.070.06-0.090.060.10-0.090.080.060.060.060.060.080.060.060.070.070.070.08-0.080.090.080.080.11

Profit & Loss (Annual)

Figures in USD.

Metric Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Revenue --------------291.20M305.00M303.16M321.47M
Cost of Revenue ------------------
Gross Profit ------------------
Operating Expenses ------------------
Operating Income ------------------
EBITDA ------------------
Interest Expense --------------141.94M328.35M455.62M470.49M
Pretax Income --------------92.05M93.37M100.31M114.72M
Tax Provision --------------17.49M18.12M20.73M23.76M
Net Income 54.49M14.39M11.34M9.34M11.48M55.96M65.89M72.59M80.55M88.88M85.41M80.24M83.32M81.01M74.56M75.25M79.59M90.96M
Diluted EPS -0.050.040.030.040.180.220.250.280.320.300.280.290.290.260.260.280.32

Balance Sheet (Annual)

Figures in USD.

Metric Sep 2007Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Jun 2018Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Total Assets --10.60B11.08B10.89B11.52B11.27B11.80B12.37B12.91B13.69B-14.14B14.54B14.64B-15.79B16.92B17.09B17.46B
Current Assets --------------------
Cash & Equivalents 829.72M132.38M307.05M743.74M294.85M308.26M286.00M181.40M155.37M231.24M268.22M269.77M269.77M275.14M498.03M-369.56M466.75M463.72M429.44M
Inventory --------------------
Receivables ----------------40.26M53.91M59.40M62.55M
Total Liabilities --8.85B9.32B9.12B9.71B9.40B9.96B10.64B11.25B12.00B-12.38B12.85B12.97B-13.95B14.99B15.23B15.56B
Current Liabilities --------------------
Long Term Debt ----------------4.82B5.30B4.82B4.90B
Total Debt ----------------4.82B5.30B4.82B4.90B
Total Equity 1.99B1.84B1.75B1.75B1.77B1.81B1.87B1.84B1.73B1.66B1.69B-1.76B1.70B1.67B-1.84B1.93B1.86B1.89B
Shares Outstanding ----------------332.32M332.32M332.32M332.32M

Cash Flows (Annual)

Figures in USD.

Metric Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Operating Cash Flow 29.00M272.02M116.52M135.57M155.63M140.81M103.51M102.10M84.91M101.17M92.11M103.00M121.80M-38.93M90.72M88.60M82.42M
Investing Cash Flow -1.16B118.97M-125.87M-392.40M-741.36M145.19M-668.65M-600.39M-454.38M-754.81M-474.86M-341.98M147.58M--1.88B-1.01B-124.71M-383.98M
Financing Cash Flow 428.79M-216.32M446.04M-192.06M599.15M-308.26M460.55M472.25M445.33M690.62M384.30M244.35M-46.48M-1.72B1.02B33.08M267.28M
Capital Expenditure -5.17M-4.24M-4.40M-2.62M-7.33M-2.82M-2.82M-5.52M-9.12M-4.15M-8.37M-3.78M-3.21M--2.70M-5.10M-3.06M-11.45M
Free Cash Flow 23.84M267.77M112.13M132.95M148.29M137.99M100.69M96.58M75.79M97.02M83.74M99.22M118.59M-36.23M85.62M85.54M70.97M
Net Change in Cash ---------------118.76M97.18M-3.03M-34.28M
Share Buybacks 186.05M103.14M1.81M000101.36M172.55M128.36M54.03M19.74M9.09M2.32M5.59M6.29M5.98M1.93M3.98M

Ratios (Annual)

Figures in %.

Metric Sep 2008Sep 2009Sep 2010Sep 2011Sep 2012Sep 2013Sep 2014Sep 2015Sep 2016Sep 2017Sep 2018Sep 2019Sep 2020Sep 2021Sep 2022Sep 2023Sep 2024Sep 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % --------------25.6%24.7%26.3%28.3%
ROE % 3.0%0.8%0.6%0.5%0.6%3.0%3.6%4.2%4.9%5.3%4.9%4.7%5.0%-4.0%3.9%4.3%4.8%
ROCE % ------------------

Shareholding Pattern

Insiders
0.46%
Institutions
95.01%
Public Float
95.45%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 1.34% 3.75M $69.10M
2 Dimensional Fund Advisors LP 1.10% 3.08M $56.87M
3 Lakewood Capital Management, LP 1.01% 2.84M $52.28M
4 Renaissance Technologies, LLC 0.91% 2.55M $47.01M
5 Vanguard Capital Management LLC 0.84% 2.36M $43.43M
6 State Street Corporation 0.84% 2.36M $43.56M
7 Mirae Asset Global ETFs Holdings Ltd. 0.83% 2.32M $42.71M
8 Vanguard Portfolio Management LLC 0.82% 2.29M $42.18M
9 Bank Of New York Mellon Corporation 0.67% 1.87M $34.46M
10 Cramer Rosenthal Mcglynn LLC/Adv 0.42% 1.18M $21.72M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for TFSL

Google News Sun, 02 Aug 2026

Understanding Momentum Shifts in (TFSL) - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxPRzAxM21BUXJBZ2RxTjRtTG01MjdSaUgxR21mSUlTSjJ6NXRHb3otOXA5Rm95cld2SGFnVnN1Q25lcEQtb2ZDMl81Y1Q1R3U2OWNVLURZdGJ4UzhVSkdKenh2UEhsMWFSa2FITWxHUmFNclQyQnJfMHpIOVJpT2I3WVJJNl9pN05vUmpIbF…

Google News hu, 16 Jul 2026

3 Reasons TFSL is Risky and 1 Stock to Buy Instead - Yahoo Finance

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Google News hu, 30 Jul 2026

TFS Financial’s Q3 Mortgage Originations Total $616.4M - Stock Titan

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Google News Mon, 03 Aug 2026

3 High-Flying Stocks That Concern Us - StockStory

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Google News Mon, 03 Aug 2026

TFSL Reiterated by Keefe, Bruyette & Woods -- Price Target Raised to $18 - GuruFocus

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Google News Sat, 01 Aug 2026

Analysts Offer Insights on Financial Companies: TFS Financial (TFSL), Bancorp (TBBK) and Columbia Banking System (COLB) - theglobeandmail.com

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TFSL — Frequently Asked Questions

What is the current share price of TFS Financial Corporation (TFSL)?

As of 2026-08-05 17:25 PDT, TFS Financial Corporation (TFSL) trades at $18.32 on NasdaqGS. Its 52-week range is $11.72 to $18.61.

What is the market capitalisation of TFSL?

TFS Financial Corporation (TFSL) has a market capitalisation of $5.14B on NasdaqGS.

What is the P/E ratio of TFSL?

TFSL trades at a trailing price-to-earnings (P/E) ratio of 50.89. The industry average P/E is 13.48. Its price-to-book (P/B) ratio is 2.67.

Does TFSL pay a dividend?

TFS Financial Corporation (TFSL) currently offers a dividend yield of 6.14%.

What is the return on equity (ROE) of TFSL?

TFSL has a return on equity (ROE) of 4.87%.

Is TFSL a good stock to buy?

This page provides a data-driven analysis of TFS Financial Corporation (TFSL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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