Tfs Financial (TFSL)
NASDAQ:TFSL
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TFSL Stock Chart & Stats
$14.99
-$0.06(-0.48%)
At close: 4:00 PM EST
$14.99
-$0.06(-0.48%)
Day’s Range― - ―
52-Week Range$12.54 - $16.20
Previous CloseN/A
Volume71.21K
Average Volume (3M)876.57K
Market Cap
$4.50B
Enterprise Value$9.56B
Total Cash (Recent Filing)$25.12M
Total Debt (Recent Filing)$5.13B
Price to Earnings (P/E)48.1
Beta0.50
Next Earnings
Jul 23, 2026EPS Estimate
0.08Next Dividend Ex-DateN/A
Dividend Yield8.04%
Share Statistics
EPS (TTM)0.34
Shares Outstanding280,432,130
10 Day Avg. Volume921,323
30 Day Avg. Volume876,573
Financial Highlights & Ratios
PEG Ratio2.83
Price to Book (P/B)1.94
Price to Sales (P/S)4.64
P/FCF Ratio51.76
Enterprise Value/Market Cap2.12
Enterprise Value/Revenue11.74
Enterprise Value/Gross Profit28.55
Enterprise Value/Ebitda73.39
Forecast
1Y Price Target
$15.50Price Target Upside3.40% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.33
Revenue Forecast (FY)$341.37M
Bulls Say, Bears Say
Bulls Say
Net Interest Income Business ModelA core revenue model built on net interest income from mortgage lending and an investment portfolio provides durable, predictable earnings tied to loan yields and deposit funding. This model supports steady NII generation across interest-rate cycles and underpins long-term profitability if credit remains stable.
Consistent Revenue And Net Income GrowthSustained revenue expansion and rising net income over multiple periods indicate successful origination and lending execution and improving scale. Consistent margins (TTM net margin ~11%) and steady ROE (~4–5%) support continued earnings resilience over the medium term.
Dividend Waiver Mechanism Boosts Public PayoutsThe recurring waiver structure, subject to member and Fed approval, has structurally increased distributable cash to public shareholders when granted. This governance mechanism can sustainably enhance visible shareholder returns without altering core capital generation.
Bears Say
High And Rising LeveragePersistently elevated leverage magnifies sensitivity to credit stress and funding-cost increases, reducing financial flexibility. A higher debt-to-equity ratio constrains capital deployment and increases solvency risk if asset quality or interest environments deteriorate over the next several months.
Weakening Free Cash Flow MomentumDeclining free cash flow growth despite positive absolute FCF implies less cushion for reinvestment, dividends, or balance-sheet strengthening. Continued FCF softening could force reliance on external funding or limit capital return flexibility over the medium term.
CFO Succession And Leadership Transition RiskThe planned departure of a nearly three-decade finance leader creates execution and institutional-knowledge risk during a critical handover. Although a successor is named, integration and continuity of financial controls, capital planning, and regulatory relationships could be strained in the medium term.
TFS Financial News
TFSL FAQ
What was Tfs Financial’s price range in the past 12 months?
Tfs Financial lowest stock price was $12.54 and its highest was $16.20 in the past 12 months.
What is Tfs Financial’s market cap?
Tfs Financial’s market cap is $4.50B.
When is Tfs Financial’s upcoming earnings report date?
Tfs Financial’s upcoming earnings report date is Jul 23, 2026 which is in 49 days.
How were Tfs Financial’s earnings last quarter?
Tfs Financial released its earnings results on Apr 30, 2026. The company reported $0.08 earnings per share for the quarter, the consensus estimate of $0.08 by $0.
Is Tfs Financial overvalued?
According to Wall Street analysts Tfs Financial’s price is currently Undervalued.
Does Tfs Financial pay dividends?
Tfs Financial pays a Quarterly dividend of $0.282 which represents an annual dividend yield of 8.04%. See more information on Tfs Financial dividends here
What is Tfs Financial’s EPS estimate?
Tfs Financial’s EPS estimate is 0.08.
How many shares outstanding does Tfs Financial have?
Tfs Financial has 280,432,130 shares outstanding.
What happened to Tfs Financial’s price movement after its last earnings report?
Tfs Financial reported an EPS of $0.08 in its last earnings report, expectations of $0.08. Following the earnings report the stock price went down -0.066%.
Which hedge fund is a major shareholder of Tfs Financial?
Currently, no hedge funds are holding shares in TFSL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
TFS Financial Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$15.50 (3.40% Upside)
$15.50 (3.40% Upside)
Blogger Sentiment
Bullish
TFSL Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 1.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $128.6K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 7.9%
Last 30 Days ▲ 19.0%
Last 30 Days ▲ 19.0%
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
33.34%
12-Months-Change
Fundamentals
Return on Equity
4.89%
Trailing 12-Months
Asset Growth
2.15%
Trailing 12-Months
Company Description
Tfs Financial
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and 37 full-service branches and 7 loan production offices located throughout the states of Ohio and Florida. The company 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.
TFSL Stock 12 Month Forecast
Average Price Target
$15.50
▲(3.40% Upside)
Technical Analysis
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Ownership Overview
0.46% Insiders
2.69% Mutual Funds
2.58% Other Institutional Investors
89.31% Public Companies and
Individual Investors