Want to see TFSL full AI Analyst Report?
Top Page
TFS Financial
(NASDAQ:TFSL)
Select Model
Select Model
Rating:64Neutral
Price Target:
$19.00
▲(26.75% 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
Consistent revenue and net-income growth
Sustained 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.
Negative Factors
Elevated and rising leverage
High 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue and net-income growth
Sustained 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.
Read all positive factors
TFS Financial (TFSL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.17B
Dividend Yield8.04%
Average Volume (3M)868.55K
Price to Earnings (P/E)55.7
Beta (1Y)0.47
Revenue Growth5.52%
EPS Growth13.99%
CountryUS
Employees958
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
TFS Financial Business Overview & Revenue Model
Company Description
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 individua...
How the Company Makes Money
TFS Financial primarily makes money through net interest income and, to a lesser extent, noninterest income. (1) Net interest income: The core earnings driver is the spread between interest earned on assets and interest paid on liabilities. On the...
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 | 142.43M | 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
16.34
Positive
15.14
Positive
14.21
Positive
Market Momentum
0.47
Positive
76.34
Negative
78.33
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 17.45, below the 50-day MA of 16.34, and above the 200-day MA of 14.21, indicating a bullish trend. The MACD of 0.47 indicates Positive momentum. The RSI at 76.34 is Negative, neither overbought nor oversold. The STOCH value of 78.33 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | $4.44B | 13.54 | 9.41% | 3.02% | 4.20% | 29.58% | |
77 Outperform | $4.71B | 14.33 | 9.93% | ― | 3.26% | 329.26% | |
75 Outperform | $4.31B | 12.32 | 18.53% | 3.38% | 1.43% | 22.08% | |
73 Outperform | $4.08B | 18.28 | 5.94% | 2.47% | 43.39% | -25.06% | |
70 Outperform | $4.81B | 12.00 | 11.45% | 3.52% | -0.24% | 23.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $5.17B | 55.68 | 4.89% | 8.04% | 5.52% | 13.99% |
* Financial Sector Average
TFSL
TFS Financial
18.44
6.39
52.99%
FBP
First Bancorp Puerto Rico
27.84
6.38
29.74%
FULT
Fulton Financial
25.19
6.16
32.38%
RNST
Renasant
44.25
6.11
16.03%
TCBI
Texas Capital Bancshares
107.74
18.45
20.66%
UCB
United Community Banks
37.09
6.34
20.62%
TFS Financial Corporate Events
Business Operations and StrategyDividendsRegulatory Filings and ComplianceShareholder Meetings
TFS Financial MHC Approves Dividend Waiver Plan
Neutral
Jul 7, 2026
At a special meeting held on July 7, 2026, members of Third Federal Savings and Loan Association of Cleveland, MHC, approved a plan for the mutual holding company to waive dividends of up to $1.27 per share on TFS Financial Corporation’s com...
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...
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.