TFS Financial Corporation TFSL
- Market cap
- $4.7B
- P/E
- 46.4×
Follow TFSL
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 15.58 | 14.68 | 14.19 | 15.88 | 12.65 | 16.95 | 12.45 | 10.97 | 11.70 | 11.29 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| 19.89 | 19.38 | 16.62 | 20.45 | 22.47 | 22.54 | 18.43 | 15.25 | 15.00 | 14.73 |
High Price
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| — | — | — | — | 1,000 | 1,005 | 1,025 | 995 | 919 | 958 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 413 | 429 | 465 | 503 | 509 | 445 | 433 | 633 | 759 | 792 |
Revenue
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|||
| 71.45% | 69.66% | 65.11% | 56.89% | 58.11% | 64.53% | 67.23% | 48.16% | 39.95% | 40.59% |
Gross Margin
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| 122 | 133 | 121 | 102 | 100 | 100 | 92 | 93 | 100 | 115 |
EBT
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| 29.60% | 31.09% | 26.08% | 20.34% | 19.71% | 22.51% | 21.25% | 14.74% | 13.22% | 14.48% |
EBT Margin
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| 81 | 89 | 85 | 80 | 83 | 81 | 75 | 75 | 80 | 91 |
Net Income
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| 19 | 21 | 25 | 23 | 33 | 33 | 27 | 18 | 19 | 23 |
Depreciation
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| 1.47 | 1.55 | 1.69 | 1.82 | 1.84 | 1.61 | 1.56 | 2.28 | 2.73 | 2.84 |
Revenue/Sh
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| 0.28 | 0.32 | 0.31 | 0.29 | 0.30 | 0.29 | 0.26 | 0.27 | 0.28 | 0.32 |
Earnings/Sh
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| 0.30 | 0.36 | 0.33 | 0.37 | 0.44 | 0.30 | 0.14 | 0.33 | 0.32 | 0.30 |
Cash Flow/Sh
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| (0.03) | (0.01) | (0.03) | (0.01) | 0.08 | 0.00 | (0.01) | (0.02) | (0.01) | (0.04) |
Capex/Sh
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| 0.27 | 0.35 | 0.30 | 0.36 | 0.52 | 0.30 | 0.13 | 0.31 | 0.31 | 0.25 |
Free CF/Sh
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| 5.90 | 6.10 | 6.38 | 6.16 | 6.06 | 6.26 | 6.65 | 6.95 | 6.70 | 6.80 |
Book Value/Sh
|
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| 282 | 277 | 276 | 275 | 276 | 277 | 277 | 277 | 278 | 279 |
Shares
|
|||
| 63.61 | 51.61 | 49.27 | 64.36 | 48.97 | 65.72 | 48.15 | 42.59 | 47.63 | 41.19 |
PE Ratio
|
|||
| 12.13 | 10.34 | 8.77 | 9.87 | 7.97 | 11.86 | 8.32 | 5.04 | 4.71 | 4.64 |
PS Ratio
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| 3.02 | 2.62 | 2.32 | 2.92 | 2.42 | 3.04 | 1.96 | 1.66 | 1.92 | 1.94 |
PB Ratio
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| 18.15 | 18.28 | 16.20 | 17.09 | 13.91 | 17.72 | 18.54 | 12.63 | 10.42 | 10.25 |
EV/Sales
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| 98.99 | 80.80 | 89.86 | 86.58 | 49.65 | 96.28 | 219.28 | 93.40 | 92.43 | 114.34 |
EV/FCF
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| 85 | 101 | 92 | 103 | 122 | 83 | 39 | 91 | 89 | 82 |
Op' Cash Flow
|
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| (9) | (4) | (8) | (4) | 21 | (1) | (2) | (5) | (3) | (11) |
Capex
|
|||
| 76 | 97 | 84 | 99 | 143 | 82 | 37 | 86 | 86 | 71 |
FCF
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| 3,592 | 4,528 | 4,658 | 4,709 | 4,383 | 3,955 | 5,671 | 6,127 | 5,570 | 5,664 |
Working Cap'
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| 2,719 | 3,671 | 3,722 | 3,903 | 3,522 | 3,092 | 4,793 | 5,274 | 4,793 | 4,870 |
Total Debt
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| 2,488 | 3,403 | 3,452 | 3,628 | 3,024 | 2,603 | 4,424 | 4,807 | 4,329 | 4,441 |
Net Debt
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| 1,660 | 1,690 | 1,758 | 1,697 | 1,672 | 1,732 | 1,844 | 1,927 | 1,863 | 1,894 |
Sh' Equity
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| 0.63% | 0.66% | 0.61% | 0.55% | 0.56% | 0.55% | 0.49% | 0.45% | 0.46% | 0.52% |
ROA
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| 1.84% | 1.64% | 1.45% | 1.20% | 1.33% | 1.44% | 0.92% | 0.87% | 1.01% | 1.13% |
ROIC
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| 4.71% | 5.25% | 4.88% | 4.56% | 4.85% | 4.67% | 4.09% | 3.91% | 4.12% | 4.77% |
ROE
|
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TFS Financial Corporation peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FFIN First Financial Bankshares, Inc. | $4.6B | 17.3× | Compare |
| EBC Eastern Bankshares, Inc. | $4.9B | 12.2× | Compare |
| SFBS ServisFirst Bancshares, Inc. | $4.5B | 14.1× | Compare |
| BMA Macro Bank Inc. | $4.5B | 15.1× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FULT Fulton Financial Corporation | $4.4B | 11.1× | Compare |
| AX AXOS FINANCIAL, INC | $5.0B | 10.3× | Compare |
| OZK Bank OZK | $5.1B | 7.7× | Compare |
| IBOC International Bancshares Corporation | $4.3B | 10.5× | Compare |
TFS Financial Corporation (TFSL) key facts
- TFS Financial Corporation (TFSL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- TFS Financial Corporation’s revenue for fiscal 2025 (year ended September 2025) was $792.0 million, up 4.37% from fiscal 2024.
- Net income was $91.0 million, or $0.32 per share (basic), a net margin of 11.3%.
- As of September 25, 2026, TFSL traded at $16.72, a market capitalization of $4.7 billion.
- At that price the stock trades at 46.4× trailing-twelve-month earnings and 5.6× sales.
- TFS Financial Corporation pays an annual dividend of $1.13 per share, a yield of 8.63%.
- Return on equity was 4.77% and debt-to-equity 2.97.
TFS Financial Corporation (TFSL) Latest News
12 Aug
TFS Financial Corporation carries three key risks that weaken its outlook, leading to a recommendation to buy a different stock instead. Listing multiple risks for TFSL can reduce investor confidence and exert downward pressure on its share price.
30 Jul
TFS Financial Corporation posts record quarterly results boosting operational metrics and financial performance. Record results indicate major positive shift in performance and investor sentiment.
21 Jul
TFS Financial reported Q1 earnings, prompting fresh buy, sell or hold assessments for TFSL shares based on quarterly results and outlook. Q1 earnings data directly informs near-term investor positioning for TFSL without signaling major strategic shifts.
16 Jul
TFS Financial Corporation faces three major risks that make the stock unattractive, leading to a direct recommendation to buy an alternative instead. Negative risk analysis on TFSL can shift short-term investor sentiment and trading activity.
22 Jun
TFS Financial Corporation partners with WEX to launch equipment financing program targeting rebounding trucking sector. New program expands TFSL core financing operations in recovering sector with moderate growth potential.
TFS Financial launches Equipment Financing Powered by TFS program for WEX customers. New equipment financing program expands TFS Financial offerings to WEX customers potentially increasing business volume.
25 May
TFS Financial (TFSL) Q3 earnings are analyzed in context of other thrifts and mortgage finance stocks. Q3 earnings release with peer comparison can moderately affect short-term investor sentiment on TFSL.
6 May
TFS Financial Corporation (TFSL) reports continued net income growth after second quarter earnings, prompting a valuation assessment amid positive financial trends. Q2 earnings and net income growth moderately boost TFSL's financial performance and investor sentiment without transformative changes.
30 Apr
TFS Financial Corporation reported financial results for the second quarter of fiscal 2026. Quarterly earnings releases directly impact TFSL's financial performance metrics, investor sentiment, and stock trajectory.
TFS Financial Corporation (TFSL) Q2 earnings compared to analyst estimates, focusing on key metrics like revenue, EPS, net interest income, and loan growth. Q2 earnings metrics versus estimates affect TFSL's financial performance and investor sentiment moderately.
25 Apr
TFS Financial (TFSL) stock prompts buy, sell, or hold debate after Q3 earnings, evaluating financial results, growth prospects, and valuation metrics. Q3 earnings outcomes moderately affect TFSL's financial performance and investor sentiment without fundamentally altering long-term trajectory.
8 Apr
TFS Financial (TFSL) post-Q3 earnings sparks buy, sell, or hold debate amid analysis of financial results, dividend policy, and market outlook. Q3 earnings directly affect TFSL's financial performance and investor sentiment without fundamentally altering long-term trajectory.
25 Mar
Third Federal, a subsidiary of TFS Financial Corporation (TFSL), partners with Clearstead Advisory Solutions to provide customers access to wealth management services. Partnership diversifies TFSL's offerings into wealth management, potentially improving revenue and customer retention but limited by reliance on third-party provider.
4 Mar
TFS Financial Corporation (TFSL) warrants selling due to three specific reasons, while one alternative stock merits buying instead. Bearish sell rationale directly challenges TFSL's valuation and competitive outlook, likely swaying investor sentiment moderately.
9 Feb
TFS Financial Corporation has appointed Jason Cirankewitch as Vice President of Strategic Initiatives. Cirankewitch brings extensive experience in strategic planning and execution, aiming to enhance the company's growth and operational efficiency. His role will focus on developing and implementing key initiatives that align with TFS Financial's long-term objectives. The appointment of a Vice President of Strategic Initiatives may moderately influence the company's operational effectiveness and growth strategies.
1 Feb
TFS Financial Corporation (TFSL) has experienced recent gains, leading to speculation about whether the current share price reflects excessive optimism. Analysts are evaluating the sustainability of this growth amid broader market conditions and the company's financial health. Concerns are raised about potential overvaluation and the impact of economic factors on future performance. Recent gains may influence investor sentiment and financial performance, but overall effects are expected to be limited.
TFS Financial Corporation reported steady Q1 earnings and completed a share buyback, signaling a potential shift in its capital allocation strategy. The company's financial performance reflects stability, which may influence investor sentiment and future growth prospects. Steady earnings and a completed buyback may moderately influence TFS Financial's financial performance and market positioning.
31 Jan
TFS Financial Corporation reported steady Q1 earnings but experienced weaker revenue, raising concerns about its financial performance. Analysts are evaluating the implications of these results on the company's valuation and future prospects. The mixed earnings report may influence investor sentiment as the market assesses the sustainability of TFS Financial's growth amid fluctuating revenue figures. Weaker revenue could moderately affect TFS Financial's financial performance and investor sentiment.
29 Jan
TFS Financial Corporation reported its fiscal Q1 earnings, showcasing a notable increase in net income compared to the previous year. The company highlighted growth in mortgage originations and a stable net interest margin, contributing to its overall financial performance. Additionally, TFS Financial emphasized its commitment to maintaining a strong capital position and enhancing shareholder value through dividends and stock repurchases. The results reflect the company's resilience in a competitive market environment. Earnings growth and stable margins indicate moderate influence on financial performance and market sentiment.
TFS Financial Corporation reported its financial results for the first quarter of fiscal year 2026, highlighting key metrics such as net income, earnings per share, and loan growth. The company experienced a year-over-year increase in total assets and deposits, reflecting strong customer demand and effective management strategies. Management expressed optimism about future growth prospects and ongoing commitment to enhancing shareholder value. The financial results indicate moderate growth and stability, which may influence investor sentiment and operational aspects but are not expected to drastically change the company's trajectory.
25 Jan
TFS Financial Corporation (TFSL) is highlighted as a momentum stock with significant potential, suggesting it may outperform others in the market. In contrast, two other stocks are noted for underwhelming performance, indicating a lack of growth or momentum. Investors are encouraged to consider TFSL for its promising outlook amidst a mixed market landscape. TFS Financial Corporation is positioned as a momentum stock with significant potential for future growth.
19 Jan
TFS Financial Corporation (TFSL) is highlighted as a stock under $50 worth monitoring due to its strong fundamentals and potential for growth. The company has shown resilience in the financial sector, making it an attractive option for investors. In contrast, two other stocks are advised against, as they may not offer the same level of stability or growth potential. Investors are encouraged to consider TFSL for their portfolios while being cautious of the other mentioned stocks. TFS Financial Corporation's strong fundamentals suggest a moderately noticeable influence on its future performance.
TFS Financial Corporation (TFSL) faces challenges that suggest investors should avoid the stock. Key reasons include concerns over its growth potential, competitive positioning, and overall market performance. In contrast, an alternative stock is recommended for investment, highlighting a more favorable outlook. Concerns about growth and competitive positioning may moderately influence TFSL's financial performance and market sentiment.
16 Jan
TFS Financial Corporation has reported efficiency gains following the adoption of the Heron Broker Suite, which is expected to enhance operational performance and streamline processes. This strategic move aims to improve customer service and reduce costs, positioning the company favorably in a competitive market. Analysts are optimistic about the potential for increased profitability as a result of these advancements. The adoption of the Heron Broker Suite is likely to significantly enhance operational efficiency and customer service, impacting future performance positively.
TFS Financial Corporation is focusing on automation gains and executive pay trends to enhance its operational efficiency. The company aims to leverage technology to streamline processes and improve productivity, which could positively impact its financial performance. Additionally, trends in executive compensation may influence management decisions and strategic direction, potentially affecting investor sentiment and market positioning. Automation and executive pay trends are expected to moderately influence TFS Financial's operational efficiency and market positioning.
TFS Financial Corporation (TFSL) has experienced a notable 22.7% gain over the past year, raising questions about whether it is still a viable investment option. Analysts are evaluating the company's performance and market conditions to determine if the stock's upward trend can be sustained or if it has peaked. Investors are advised to consider various factors, including market dynamics and the company's financial health, before making investment decisions. The stock's recent performance indicates a moderately noticeable influence on investor sentiment and potential future financial performance.
15 Jan
Heron has entered the SMB credit broker market, introducing full deal flow automation to streamline processes for small and medium-sized businesses. This move aims to enhance efficiency and improve access to credit solutions, positioning Heron as a competitive player in the financial services sector. The expansion into the SMB credit broker market may moderately influence TFS Financial Corporation's competitive positioning and financial performance.
6 Jan
TFS Financial Corporation (TFSL) is highlighted as a small-cap stock with strong fundamentals, showcasing solid financial performance and growth potential. The article emphasizes its stability and strategic positioning in the market, making it an attractive investment option. In contrast, two other stocks are noted but deemed less favorable for investment consideration. TFS Financial Corporation's solid fundamentals suggest a moderately noticeable influence on its future performance.
18 Dec
TFS Financial Corporation (NASDAQ: TFSL) reported strong Q3 earnings, outperforming expectations in the thrifts and mortgage finance sector. The company's performance reflects positive trends in the housing market and effective management strategies, contributing to investor confidence. Analysts highlight TFS Financial's robust financial health and potential for continued growth amidst a competitive landscape. Strong Q3 earnings indicate significant potential for future growth and investor confidence in TFS Financial's market position.
4 Dec
TFS Financial Corporation (TFSL) has announced a dividend hike and reported earnings that exceeded expectations, which has attracted institutional buying. These developments may signal a positive shift in investor sentiment and could enhance the company's appeal in the market. The dividend increase and earnings beat are significant indicators of financial health that could positively influence investor sentiment and market performance.