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TFS Financial Corporation

TFSL Financial Banks Regional

TFS Financial Corporation’s revenue for fiscal 2025 (year ended September 2025) was $792.0 million, up 4.37% from fiscal 2024.

Revenue
+5.82%
EPS
+37.5%
Free cash flow
+16.0%
Total debt
+19.0%

Quarter to June 2026, against a year earlier

16.47 0.24 −1.44%
Market cap
$4.6B
P/E
45.8×
Fwd P/E
46.1×
Dividend yield
7.07%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.62
Sold, $m 3.01
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — 1 — 3 — — — — — —
Sell 2 — 5 — — 4 2 — 3 4 — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 4,610.00
Revenue ttm 825.95
Net income ttm 102.06
Free cash flow ttm 86.27
Net debt Q 5,241.98
Valuation
P/E 45.75 (above 35: high)
Forward P/E 46.10 (above 35: high)
Price / sales 5.56
Forward P/S Powerpack
Price / FCF 53.23
Price / book 2.35
Financial health
Current ratio Q 1.67
Debt / equity Q 2.97
Interest coverage Q —
Growth
Revenue growth Q +5.82% (above 0%: growing)
Operating income growth Q +41.38% (above 0%: growing)
EPS, this year +8.57%
EPS, next year A +5.26%
Revenue, next year A −56.10% (below 0%: weak)
EPS, past 5 yrs +1.30%
EPS, next 5 yrs A +8.17%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 17.31%
10-year low 10-year high
P/S against its own 10 years 23.21%
10-year low 10-year high
P/B against its own 10 years 40.92%
10-year low 10-year high

Dividends

Yield
7.07%
Annual rate
1.17
Payout ratio
323.6%
Growth, 2017–25
+8.46%/yr
  1. 0.59 ’17
  2. 0.84 ’18 +42
  3. 1.04 ’19 +24
  4. 1.12 ’20 +8
  5. 1.13 ’21 +0
  6. 1.13 ’22 +0
  7. 1.41 ’23 +25
  8. 1.13 ’24 −20
  9. 1.13 ’25 +0
  10. 1.17 ’26e +4
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 467 464 429 569
Receivables — — — —
Inventory — — — —
Other — — — —
15,690 15,863 16,213 16,829
2023 2024 2025 Q'26
Payables 9,450 10,195 10,447 9,992
ST’ Debt — — — —
Other — — — —
9,563 10,293 10,549 10,102

Compound Annual Growth %

10y 5y 3y
Sales 6.86% 9.26% 22.28%
Cash Flow (2.12%) (7.51%) 28.41%
Earnings 2.20% 1.83% 7.00%
Book Value 0.91% 2.53% 0.89%

Earnings Trends EPS, adjusted, against the consensus

Q4 FY26 Estimate 0.09 Actual 0.09

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q1 FY26 0.09 0.08 Miss by 0.01
Q2 FY26 0.08 0.08 Met by 0.00
Q3 FY26 0.08 0.11 Beat by 0.03
Q4 FY26 0.09 0.09 Met by 0.00
Q1 FY27 0.10 — Reports 4 February 2027

EPS $

Dec Mar Jun Sep Year
’26 0.08 0.08 0.11 — —
’25 0.08 0.07 0.08 0.09 0.32
’24 0.07 0.07 0.07 0.06 0.28
’23 0.08 0.06 0.06 0.07 0.26
’22 0.06 0.06 0.06 0.09 0.26
’21 0.09 0.08 0.06 0.06 0.29
’20 0.09 0.06 0.10 0.05 0.30
Fiscal quarters ending in the months shown.

Revenue $m

Dec Mar Jun Sep Year
’26 206 203 210 — —
’25 193 193 198 207 792
’24 183 189 191 195 759
’23 144 153 163 174 633
’22 100 99 108 125 433
’21 123 114 105 103 445
’20 132 128 125 123 509
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Dec Mar Jun Sep Year
’26 59 18 33 — —
’25 46 21 27 (11) 82
’24 36 14 97 (59) 89
’23 79 (36) 34 14 91
’22 8 33 10 (12) 39
’21 24 20 77 (38) 83
’20 29 33 29 30 122
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Dec Mar Jun Sep Year
’26 57 13 29 — —
’25 45 14 25 (13) 71
’24 36 13 96 (59) 86
’23 77 (36) 32 13 86
’22 7 33 10 (13) 37
’21 24 19 77 (38) 82
’20 52 32 28 30 143
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to September

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 413 429 465 503 509 445 433 633 759 792 826 +7.5% 348 374 390 (21.0%)
Gross margin, % 71.45 69.66 65.11 56.89 58.11 64.53 67.23 48.16 39.95 40.59 41.62 (30.9) pt
EBT 122 133 121 102 100 100 92 93 100 115 129 (0.7%)
EBT margin, % 29.60 31.09 26.08 20.34 19.71 22.51 21.25 14.74 13.22 14.48 15.67 (15.1) pt
Net income 81 89 85 80 83 81 75 75 80 91 102 +1.4%
Per share, $
Per share, $ Revenue 1.47 1.55 1.69 1.82 1.84 1.61 1.56 2.28 2.73 2.84 2.96 +7.6%
Earnings 0.28 0.32 0.31 0.29 0.30 0.29 0.26 0.27 0.28 0.32 0.36 +1.5%
Cash flow 0.30 0.36 0.33 0.37 0.44 0.30 0.14 0.33 0.32 0.30 0.35 (0.2%)
Capex (0.03) (0.01) (0.03) (0.01) 0.08 0.00 (0.01) (0.02) (0.01) (0.04) (0.04) +2.7%
Free cash flow 0.27 0.35 0.30 0.36 0.52 0.30 0.13 0.31 0.31 0.25 0.31 (0.6%)
Book value 5.90 6.10 6.38 6.16 6.06 6.26 6.65 6.95 6.70 6.80 7.02 +1.6%
Shares, m 282 277 276 275 276 277 277 277 278 279 279 (0.1%)
Valuation, ×
Valuation, × P/E 63.61 51.61 49.27 64.36 48.97 65.72 48.15 42.59 47.63 41.19 45.75 52.3
P/S 12.13 10.34 8.77 9.87 7.97 11.86 8.32 5.04 4.71 4.64 5.56 8.4
P/B 3.02 2.62 2.32 2.92 2.42 3.04 1.96 1.66 1.92 1.94 2.35 2.4
EV/Sales 18.15 18.28 16.20 17.09 13.91 17.72 18.54 12.63 10.42 10.25 — 15.3
EV/FCF 98.99 80.80 89.86 86.58 49.65 96.28 219.28 93.40 92.43 114.34 — 102.2
Cash, $m
Cash, $m Operating cash flow 85 101 92 103 122 83 39 91 89 82 98 (0.3%)
Capex (9) (4) (8) (4) 21 (1) (2) (5) (3) (11) (12) +2.6%
Free cash flow 76 97 84 99 143 82 37 86 86 71 86 (0.7%)
Balance, $m
Balance, $m Working capital 3,592 4,528 4,658 4,709 4,383 3,955 5,671 6,127 5,570 5,664 6,726 +5.2%
Net debt 2,488 3,403 3,452 3,628 3,024 2,603 4,424 4,807 4,329 4,441 5,242 +6.7%
Shareholders’ equity 1,660 1,690 1,758 1,697 1,672 1,732 1,844 1,927 1,863 1,894 1,957 +1.5%
Returns, %
Returns, % ROA 0.63 0.66 0.61 0.55 0.56 0.55 0.49 0.45 0.46 0.52 0.57 (0.1) pt
ROIC 1.84 1.64 1.45 1.20 1.33 1.44 0.92 0.87 1.01 1.13 1.12 (0.7) pt
ROE 4.71 5.25 4.88 4.56 4.85 4.67 4.09 3.91 4.12 4.77 5.23 +0.1 pt
People
People Employees — — — — 1,000 1,005 1,025 995 919 958 — (0.9%)
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.51 0.44 0.42 0.64 0.83 0.83 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

TFS Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
TFSL TFS Financial Corporation $4.6B 45.8× 46.1× +5.82% (above 0%: growing) +37.50% (above 0%: growing) +16.04% (above 0%: growing) 42.51% 0.00%
FULT Fulton Financial Corporation $4.5B 11.0× 10.7× +7.63% (above 0%: growing) +11.11% (above 0%: growing) +6.85% (above 0%: growing) 70.88% 0.00% Compare
SFBS ServisFirst Bancshares, Inc. $4.5B 13.2× 12.7× +6.42% (above 0%: growing) +33.33% (above 0%: growing) +141.10% (above 0%: growing) 63.94% 0.00% Compare
TCBI Texas Capital Bancshares, Inc. $4.5B 13.1× 13.3× +1.82% (above 0%: growing) +4.07% (above 0%: growing) +28.99% (above 0%: growing) 66.19% 0.00% Compare
UCB United Community Banks, Inc. $4.4B 31.1× 28.2× −74.97% (below 0%: shrinking) n/m +43.32% (above 0%: growing) (12.04%) 0.00% Compare
FFIN First Financial Bankshares, Inc. $4.4B 15.1× 15.0× +5.01% (above 0%: growing) +40.54% (above 0%: growing) +10.90% (above 0%: growing) 77.51% 0.00% Compare
FLG Flagstar Bank, National Association $4.3B 70.7× 91.9× −9.46% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 48.98% 0.00% Compare
IBOC International Bancshares Corporation $4.3B 10.1× 10.5× +2.82% (above 0%: growing) +5.75% (above 0%: growing) +9.70% (above 0%: growing) 81.66% 0.00% Compare
CATY Cathay General Bancorp $4.2B 11.8× 11.5× +9.21% (above 0%: growing) +26.55% (above 0%: growing) +272.48% (above 0%: growing) 65.64% 0.00% Compare
Median of peers $4.4B 13.1× 13.0× +3.92% +18.83% +19.95% 65.92% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 14 January 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 5.21m 5.57m 132.00
2024 4.65m 4.93m 118.00
2023 4.82m 4.54m 100.00
2022 4.63m 4.12m 100.00
2021 4.75m 4.96m 137.00

Ownership

Directors and executive officers, together 0.72%
Third Federal Savings and Loan Association of Cleveland, MHC, 80.93%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

TFS Financial Corporation (TFSL) Latest News

29 Oct

Impact 4 · · Business Wire

22 Oct

Impact 3 · · Zacks

9 Oct

Impact 3 · · StockStory

12 Aug

Impact 3 ·

30 Jul

Impact 4 ·

21 Jul

Impact 3 ·

16 Jul

Impact 3 ·

22 Jun

Impact 3 · · FreightWaves
Impact 3 · · ACCESS Newswire

25 May

Impact 3 · · StockStory

6 May

Impact 3 · · Simply Wall St.

30 Apr

Impact 4 · · Business Wire
Impact 3 · · Zacks

25 Apr

Impact 3 · · StockStory

8 Apr

Impact 3 · · StockStory

25 Mar

Impact 3 · · Business Wire

4 Mar

Impact 3 · · StockStory

9 Feb

Impact 3 · · ACCESS Newswire

1 Feb

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

31 Jan

Impact 3 · · Simply Wall St.

29 Jan

Impact 3 · · Associated Press FinanceAssociated Press FinanceAssociated Press Finance
Impact 3 · · Business Wire

25 Jan

Impact 4 · · StockStory

19 Jan

Impact 3 · · StockStory
Impact 3 · · StockStory

16 Jan

Impact 4 ·
Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

15 Jan

Impact 3 · · PR NewswireFreightWavesFortuneMT NewswiresPayments Dive

TFSL metrics, ten years each

stockrow.com/TFSL · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com