Tfs Financial (TFSL)
NASDAQ:TFSL
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TFS Financial
(NASDAQ:TFSL)
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Rating:64Neutral
Price Target:
$17.00
▲(13.41% Upside)
Action:Reiterated
Date:05/29/26
The score is driven primarily by solid but not risk-free fundamentals: strong revenue/earnings trends are tempered by elevated leverage and weakening free-cash-flow momentum. Technicals are supportive with a clear uptrend and positive MACD, though momentum is near overbought. Valuation is mixed (high yield vs. high P/E), and corporate events add dividend-related upside but also approval risk.
Positive Factors
Net interest income business model
A 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.
Negative Factors
High and rising leverage
Persistently 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Net interest income business model
A 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.
Read all positive factors
TFS Financial (TFSL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$4.45B
Dividend Yield8.04%
Average Volume (3M)875.44K
Price to Earnings (P/E)48.9
Beta (1Y)0.50
Revenue Growth5.52%
EPS Growth13.99%
CountryUS
Employees919
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.34
Shares Outstanding280,432,130
10 Day Avg. Volume855,292
30 Day Avg. Volume875,443
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 Cap2.15
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
TFS Financial Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
TFS Financial makes money primarily through net interest income—earning interest on interest-earning assets (most notably residential mortgage loans and, to a lesser extent, securities) and paying interest on its funding sources (primarily custome...
TFS Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
61
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 814.39M | 791.96M | 758.78M | 633.35M | 433.14M | 444.65M |
| Gross Profit | 335.00M | 318.97M | 304.66M | 306.50M | 290.20M | 295.93M |
| EBITDA | 130.32M | 137.76M | 119.35M | 111.48M | 119.09M | 132.66M |
| Net Income | 93.03M | 90.96M | 79.59M | 75.25M | 74.56M | 81.01M |
Balance Sheet | ||||||
| Total Assets | 17.48B | 17.46B | 17.09B | 16.92B | 15.79B | 14.06B |
| Cash, Cash Equivalents and Short-Term Investments | 25.12M | 483.48M | 989.97M | 975.07M | 827.47M | 910.11M |
| Total Debt | 5.13B | 4.90B | 4.82B | 5.30B | 4.82B | 3.13B |
| Total Liabilities | 15.56B | 15.56B | 15.23B | 14.99B | 13.95B | 12.33B |
| Stockholders Equity | 1.92B | 1.89B | 1.86B | 1.93B | 1.84B | 1.73B |
Cash Flow | ||||||
| Free Cash Flow | 82.26M | 70.97M | 85.54M | 85.62M | 36.23M | 81.82M |
| Operating Cash Flow | 92.04M | 82.42M | 88.60M | 90.72M | 38.93M | 83.16M |
| Investing Cash Flow | -332.06M | -383.98M | -124.71M | -1.01B | -1.88B | 547.36M |
| Financing Cash Flow | 213.72M | 267.28M | 33.08M | 1.02B | 1.72B | -640.22M |
TFS Financial Technical Analysis
Positive
14.99
Price Trends
14.99
Positive
14.49
Positive
13.81
Positive
Market Momentum
0.32
Negative
68.52
Neutral
74.23
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TFSL, the sentiment is Positive. The current price of 14.99 is below the 20-day moving average (MA) of 15.58, above the 50-day MA of 14.99, and above the 200-day MA of 13.81, indicating a bullish trend. The MACD of 0.32 indicates Negative momentum. The RSI at 68.52 is Neutral, neither overbought nor oversold. The STOCH value of 74.23 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TFSL.
TFS Financial Risk Analysis
TFS Financial disclosed 42 risk factors in its most recent earnings report. TFS Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
TFS Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $4.32B | 12.91 | 9.93% | ― | 3.26% | 329.26% | |
76 Outperform | $3.86B | 11.74 | 9.41% | 3.02% | 4.20% | 29.58% | |
75 Outperform | $3.66B | 10.58 | 18.53% | 3.38% | 1.43% | 22.08% | |
73 Outperform | $3.64B | 16.66 | 5.94% | 2.47% | 43.39% | -25.06% | |
70 Outperform | $4.06B | 10.01 | 11.45% | 3.52% | -0.24% | 23.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $4.45B | 48.95 | 4.89% | 8.04% | 5.52% | 13.99% |
* Financial Sector Average
TFSL
TFS Financial
16.33
4.24
35.05%
FBP
First Bancorp Puerto Rico
24.30
5.10
26.58%
FULT
Fulton Financial
21.92
5.56
33.97%
RNST
Renasant
40.54
6.74
19.93%
TCBI
Texas Capital Bancshares
102.34
30.12
41.70%
UCB
United Community Banks
33.22
5.45
19.61%
TFS Financial Corporate Events
Business Operations and StrategyExecutive/Board ChangesDividends
TFS Financial Announces Director Retirement and Board Reduction
Positive
May 28, 2026
On May 28, 2026, TFS Financial announced that long-serving director Meredith S. Weil would retire from the Board of Directors effective that day and that her seat would not be filled. The board simultaneously amended the company’s bylaws to ...
Business Operations and StrategyDividendsRegulatory Filings and ComplianceShareholder Meetings
TFS Financial Plans Vote on Dividend Waiver Proposal
Negative
May 26, 2026
On May 26, 2026, TFS Financial said its mutual holding company, Third Federal Savings and Loan Association of Cleveland, MHC, will convene a special member meeting on July 7, 2026, to vote on waiving its right to receive up to $1.27 per share in q...
Executive/Board Changes
TFS Financial Announces CFO Transition and Leadership Succession
Neutral
Apr 2, 2026
On April 2, 2026, TFS Financial announced that longtime executive Meredith S. Weil will retire as chief financial officer and board member of Third Federal Savings and Loan Association of Cleveland effective January 2027, marking the end of a tenu...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.