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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. In the quarter to June 2026, revenue grew 5.82%, EPS grew 37.5%, free cash flow grew 16.0% and total debt rose 19.0%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

16.36 0.03 +0.18%
Market cap
$4.6B
P/E
45.4×
Fwd P/E
49.0×
Dividend yield
7.12%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.62
Total sells 3.29
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — 1 — — 1 — 3 — — — — —
Sell 2 2 — 5 — — 4 2 — 3 4 —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 4,580.00
Revenue 825.95
Net Income 102.06
Free Cash Flow 86.27
Net Debt 5,241.98
Current Ratio 1.67
Debt/Equity 2.97
P/E ratio 45.44 (above 35: high)
Fwd P/E 49.00 (above 35: high)
P/S ratio 5.52
P/B ratio 2.33
Past 5Y EPS Growth 1.30%
This Y EPS Growth 12.50%
Next Y EPS Growth 8.33%
Next Y revenue growth (56.10%) (below 0%: weak)
Next 5Y EPS Growth 8.17%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 15.96%
10-year low 10-year high
P/S against its own 10 years 22.93%
10-year low 10-year high
P/B against its own 10 years 40.29%
10-year low 10-year high

Dividends

Payout Ratio 3.24
Annual Dividend Rate 1.17
Annual Dividend Yield 7.12%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.17
0.28
0.28
0.32
2025 1.13
0.28
0.28
0.28
0.28
2024 1.13
0.28
0.28
0.28
0.28
2023 1.41
0.28
0.28
0.28
0.28
0.28
2022 1.13
0.28
0.28
0.28
0.28
2021 1.13
0.28
0.28
0.28
0.28
2020 1.12
0.28
0.28
0.28
0.28
2019 1.04
0.25
0.25
0.27
0.27
2018 0.84
0.17
0.17
0.25
0.25
2017 0.59
0.13
0.13
0.17
0.17
2016 0.45
0.10
0.10
0.13
0.13
predictions special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to September

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 19.89 19.38 16.62 20.45 22.47 22.54 18.43 15.25 15.00 14.73
People
People Employees — — — — 1,000 1,005 1,025 995 919 958
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.51 0.44 0.42 0.64 0.83 0.83
Income, $m
Income, $m Revenue 413 429 465 503 509 445 433 633 759 792
Gross margin, % 71.45 69.66 65.11 56.89 58.11 64.53 67.23 48.16 39.95 40.59
EBT 122 133 121 102 100 100 92 93 100 115
EBT margin, % 29.60 31.09 26.08 20.34 19.71 22.51 21.25 14.74 13.22 14.48
Net income 81 89 85 80 83 81 75 75 80 91
Depreciation 19 21 25 23 33 33 27 18 19 23
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
Earnings 0.28 0.32 0.31 0.29 0.30 0.29 0.26 0.27 0.28 0.32
Cash flow 0.30 0.36 0.33 0.37 0.44 0.30 0.14 0.33 0.32 0.30
Capex (0.03) (0.01) (0.03) (0.01) 0.08 0.00 (0.01) (0.02) (0.01) (0.04)
Free cash flow 0.27 0.35 0.30 0.36 0.52 0.30 0.13 0.31 0.31 0.25
Book value 5.90 6.10 6.38 6.16 6.06 6.26 6.65 6.95 6.70 6.80
Shares, m 282 277 276 275 276 277 277 277 278 279
Valuation, ×
Valuation, × P/E 63.61 51.61 49.27 64.36 48.97 65.72 48.15 42.59 47.63 41.19
P/S 12.13 10.34 8.77 9.87 7.97 11.86 8.32 5.04 4.71 4.64
P/B 3.02 2.62 2.32 2.92 2.42 3.04 1.96 1.66 1.92 1.94
EV/Sales 18.15 18.28 16.20 17.09 13.91 17.72 18.54 12.63 10.42 10.25
EV/FCF 98.99 80.80 89.86 86.58 49.65 96.28 219.28 93.40 92.43 114.34
Cash, $m
Cash, $m Operating cash flow 85 101 92 103 122 83 39 91 89 82
Capex (9) (4) (8) (4) 21 (1) (2) (5) (3) (11)
Free cash flow 76 97 84 99 143 82 37 86 86 71
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
Total debt 2,719 3,671 3,722 3,903 3,522 3,092 4,793 5,274 4,793 4,870
Net debt 2,488 3,403 3,452 3,628 3,024 2,603 4,424 4,807 4,329 4,441
Shareholders’ equity 1,660 1,690 1,758 1,697 1,672 1,732 1,844 1,927 1,863 1,894
Returns, %
Returns, % ROA 0.63 0.66 0.61 0.55 0.56 0.55 0.49 0.45 0.46 0.52
ROIC 1.84 1.64 1.45 1.20 1.33 1.44 0.92 0.87 1.01 1.13
ROE 4.71 5.25 4.88 4.56 4.85 4.67 4.09 3.91 4.12 4.77
Negative figures in brackets.

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

Charts ten years each

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
AX AXOS FINANCIAL, INC $5.0B 10.2× 9.1× +15.98% (above 0%: growing) +12.24% (above 0%: growing) +22.36% (above 0%: growing) 67.69% 0.00% Compare
EBC Eastern Bankshares, Inc. $4.8B 12.1× 11.3× +26.48% (above 0%: growing) −4.00% (below 0%: shrinking) +25.53% (above 0%: growing) 75.96% 0.00% Compare
GGAL Grupo Financiero Galicia S.A. $4.8B 18.2× — −91.05% (below 0%: shrinking) −75.31% (below 0%: shrinking) −347.48% (below 0%: shrinking) 100.00% 0.00% Compare
FLG Flagstar Bank, National Association $4.7B 369× 30.5× −13.77% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 49.05% 0.00% Compare
TFSL TFS Financial Corporation $4.6B 45.4× 49.0× +5.82% (above 0%: growing) +37.50% (above 0%: growing) +16.04% (above 0%: growing) 42.51% 0.00%
FFIN First Financial Bankshares, Inc. $4.5B 16.2× 15.9× +7.84% (above 0%: growing) +6.38% (above 0%: growing) +25.95% (above 0%: growing) 77.89% 0.00% Compare
SFBS ServisFirst Bancshares, Inc. $4.3B 13.4× 12.3× +6.36% (above 0%: growing) +40.18% (above 0%: growing) +141.10% (above 0%: growing) 64.14% 0.00% Compare
FULT Fulton Financial Corporation $4.3B 10.7× 11.1× +7.53% (above 0%: growing) −1.89% (below 0%: shrinking) +6.85% (above 0%: growing) 71.64% 0.00% Compare
IBOC International Bancshares Corporation $4.2B 10.1× 11.2× +0.96% (above 0%: growing) −4.35% (below 0%: shrinking) −3.33% (below 0%: shrinking) 81.33% 0.00% Compare
Median of peers $4.6B 12.8× 11.3× +6.95% −1.89% +14.61% 73.80% 0.00%

All 323 Banks Regional stocks →

TFS Financial Corporation (TFSL) key facts

  • Strength: TFS Financial Corporation’s revenue for fiscal 2025 (year ended September 2025) was $792.0 million, up 4.37% from fiscal 2024.
  • Strength: Net income was $91.0 million, or $0.32 per share (basic), a net margin of 11.3%.
  • TFS Financial Corporation (TFSL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, TFSL traded at $16.36, a market capitalization of $4.6 billion.
  • At that price the stock trades at 45.4× trailing-twelve-month earnings and 5.5× sales; its P/E is higher than 16% of its own readings over the past ten years.
  • TFS Financial Corporation pays an annual dividend of $1.17 per share, a yield of 7.12%.
  • Return on equity was 4.77% and debt-to-equity 2.97.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

TFS Financial Corporation (TFSL) Latest News

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