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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 - $18.53
Previous CloseN/A
Volume71.21K
Average Volume (3M)868.55K
Market Cap
$5.17B
Enterprise Value$9.04K
Total Cash (Recent Filing)$25.12M
Total Debt (Recent Filing)$5.13B
Price to Earnings (P/E)55.7
Beta0.47
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. Volume656,758
30 Day Avg. Volume868,551
Financial Highlights & Ratios
PEG Ratio2.88
Price to Book (P/B)1.94
Price to Sales (P/S)4.64
P/FCF Ratio51.76
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$15.50Price Target Upside3.40% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.34
Revenue Forecast (FY)$345.14M
Bulls Say, Bears Say
Bulls Say
Consistent Revenue And Net-income GrowthSustained top-line growth and rising net income provide a durable earnings base for a mortgage-centric bank. Steady TTM margins (~11% net, ~15% EBIT) indicate core profitability that can support reinvestment, capital cushions, and dividend capacity across a 2–6 month horizon.
Deposit-funded, Mortgage-focused Business ModelA retail deposit franchise funding residential mortgage origination and servicing gives structural funding stability versus wholesale markets. This lowers reliance on short-term borrowings and supports net interest income predictability, an enduring advantage for a regional thrift model.
Positive Operating Cash Generation Covering EarningsConsistent positive operating and free cash flow that largely covers net income implies real cash conversion of earnings. That cash profile supports dividends, loan originations, and portfolio investment, and combined with the mutual waiver process can sustain distributions if regulatory approval persists.
Bears Say
Elevated And Rising LeverageHigh and increasing leverage compresses financial flexibility for a regional bank, raising sensitivity to funding-cost increases or credit stress. With modest ROE (~4%–5%), elevated leverage heightens risks to capital buffers and constrains strategic options over the medium term.
Weakening Free-cash-flow MomentumDeclining FCF momentum reduces the margin for error in funding dividends, loan growth, or balance-sheet repairs. Even with positive absolute cash flow, falling FCF trends signal potential strain on liquidity deployment and raise the likelihood of tighter capital decisions if the trend continues.
Dividend-waiver Approval UncertaintyThe company’s ability to channel dividends to public shareholders depends on member waivers and Federal Reserve non-objection. Regulatory or member denial would materially reduce expected public distributions and complicate capital planning, creating a structural uncertainty around payout policy.
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 $18.52 in the past 12 months.
What is Tfs Financial’s market cap?
Tfs Financial’s market cap is $5.17B.
When is Tfs Financial’s upcoming earnings report date?
Tfs Financial’s upcoming earnings report date is Jul 23, 2026 which is in 5 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 -0.068%.
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
Neutral
1
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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 64%
Sector Average 64%
Hedge Fund Trend
Decreased
By 1.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $76.1K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 8.5%
Last 30 Days ▲ 8.5%
Technicals
SMA
Positive
20 days / 200 days
Momentum
50.55%
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 delivers a comprehensive array of retail banking solutions to individual consumers across the United States. The company's deposit offerings encompass savings, money market, and checking accounts, in addition to individual retirement accounts, various qualified retirement plans, and certificates of deposit. It also extends a range of lending products, such as residential real estate mortgages, construction financing, home equity loans and lines of credit, alongside options for home purchase mortgages and first mortgage refinancing. Furthermore, TFS Financial provides escrow and settlement services. Established in 1938, the corporation is headquartered in Cleveland, Ohio, where its main office is located. Its operations are further supported by 37 full-service branches and 7 loan production offices distributed throughout Ohio and Florida. TFS Financial Corporation functions 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
0.50% Insiders
2.65% Mutual Funds
0.10% Other Institutional Investors
91.65% Public Companies and
Individual Investors