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TFS Financial Corp (TFSL)
NASDAQ:TFSL
TFSL Stock Chart & Stats
$14.33
-$0.06(-0.48%)
At close: 4:00 PM EST
$14.33
-$0.06(-0.48%)
Day’s Range― - ―
52-Week Range$11.29 - $15.42
Previous CloseN/A
Volume71.21K
Average Volume (3M)763.15K
Market Cap
$4.02B
Enterprise Value$8.91B
Total Cash (Recent Filing)$481.21M
Total Debt (Recent Filing)$4.94B
Price to Earnings (P/E)44.9
Beta0.47
Next Earnings
May 06, 2026EPS Estimate
0.08Next Dividend Ex-DateN/A
Dividend Yield8.04%
Share Statistics
EPS (TTM)0.08
Shares Outstanding280,570,800
10 Day Avg. Volume814,757
30 Day Avg. Volume763,147
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 Cap2.22
Enterprise Value/Revenue11.07
Enterprise Value/Gross Profit27.21
Enterprise Value/Ebitda67.20
Forecast
1Y Price Target
$14.50Price Target Upside1.19% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.33
Revenue Forecast (FY)$348.48M
Bulls Say, Bears Say
Bulls Say
Revenue Growth & ProfitabilitySustained revenue expansion and mid-teens EBIT margins show the core mortgage and deposit franchises produce recurring operating earnings. Over the next 2-6 months this underpins predictable operating cash flow, supports reinvestment in originations and funds ongoing dividend capacity.
Cash Generation QualityConsistent positive operating and free cash flow (FFO tracking earnings ~0.89x net income TTM) indicates good earnings quality and internal funding for lending and shareholder returns. This reduces reliance on capital markets and supports balance sheet flexibility over months ahead.
Stable Capital Returns & GovernanceRegular dividend declarations and the mutual holding company’s waiver demonstrate a structural commitment to public shareholder cash returns. That governance arrangement and steady payout policy provide durable support for investor income expectations and signal disciplined capital allocation.
Bears Say
Elevated LeverageA debt-to-equity ratio near 2.6 reflects bank-style leverage that constrains capital flexibility. Elevated leverage increases sensitivity to funding stress or loan losses and limits the firm’s capacity to pursue large organic or inorganic growth initiatives without issuing equity or retaining earnings.
Modest Returns On EquityROE in the mid-single digits points to limited capital efficiency versus peers. Persistently modest ROE curbs capacity to boost shareholder returns or absorb adverse credit cycles, and it pressures management to either improve margins or grow higher-return assets to create durable value.
Margin CompressionReported margin compression reduces the earnings buffer from interest spreads and fee income. If structural pressures on spreads or higher operating costs persist, sustaining prior profitability will be harder, limiting surplus cash for growth and dividends across the medium term.
TFS Financial News
TFSL FAQ
What was TFS Financial Corp’s price range in the past 12 months?
TFS Financial Corp lowest stock price was $11.29 and its highest was $15.42 in the past 12 months.
What is TFS Financial Corp’s market cap?
TFS Financial Corp’s market cap is $4.02B.
When is TFS Financial Corp’s upcoming earnings report date?
TFS Financial Corp’s upcoming earnings report date is May 06, 2026 which is in 62 days.
How were TFS Financial Corp’s earnings last quarter?
TFS Financial Corp released its earnings results on Jan 29, 2026. The company reported $0.08 earnings per share for the quarter, missing the consensus estimate of $0.09 by -$0.01.
Is TFS Financial Corp overvalued?
According to Wall Street analysts TFS Financial Corp’s price is currently Undervalued.
Does TFS Financial Corp pay dividends?
TFS Financial Corp pays a Quarterly dividend of $0.282 which represents an annual dividend yield of 8.04%. See more information on TFS Financial Corp dividends here
What is TFS Financial Corp’s EPS estimate?
TFS Financial Corp’s EPS estimate is 0.08.
How many shares outstanding does TFS Financial Corp have?
TFS Financial Corp has 280,570,800 shares outstanding.
What happened to TFS Financial Corp’s price movement after its last earnings report?
TFS Financial Corp reported an EPS of $0.08 in its last earnings report, missing expectations of $0.09. Following the earnings report the stock price went down -4.187%.
Which hedge fund is a major shareholder of TFS Financial Corp?
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
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$14.50 (1.19% Upside)
$14.50 (1.19% Upside)
Blogger Sentiment
Bullish
TFSL Sentiment 100%
Sector Average 70%
Sector Average 70%
Hedge Fund Trend
Increased
By 1.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.5M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 0.2%
Last 30 Days ▼ 0.2%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
17.90%
12-Months-Change
Fundamentals
Return on Equity
4.68%
Trailing 12-Months
Asset Growth
2.59%
Trailing 12-Months
Company Description
TFS Financial Corp
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
$14.50
▲(1.19% Upside)
Technical Analysis
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Ownership Overview
0.46% Insiders
2.73% Mutual Funds
2.16% Other Institutional Investors
89.98% Public Companies and
Individual Investors