(TFSL) TFS Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 4.293m USD | Total Return: 32.1% in 12m
Avg Turnover: 12.3M
EPS Trend: 78.0%
Qual. Beats: -2
Rev. Trend: 92.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Supp Ema20
TFS Financial Corporation (TFSL) is a Cleveland-based holding company that provides retail consumer banking services through its primary subsidiary, Third Federal Savings and Loan Association of Cleveland. The firm focuses on traditional deposit products, such as money market and savings accounts, alongside a lending portfolio centered on residential real estate, including construction loans and home equity lines of credit.
Operating within the regional banking sector, TFSL utilizes a mutual holding company (MHC) structure, which can influence dividend policy and capital management differently than traditional publicly traded banks. The company’s business model is heavily concentrated on the residential mortgage market, making its performance sensitive to fluctuations in long-term interest rates and housing demand.
To better understand how these structural factors impact valuation, consider exploring the data available on ValueRay. Given its 1938 founding, the institution maintains a long-standing footprint in the Ohio and Florida markets, providing ancillary services such as escrow and settlement to support its core mortgage operations.
- Net interest margin sensitivity to Federal Reserve interest rate policy shifts
- Residential mortgage origination volume driven by regional housing market trends
- Mutual holding company structure limits capital deployment and dividend flexibility
- Credit quality performance within the residential real estate loan portfolio
- Operating expense management amid inflationary pressures on banking service costs
| Net Income: 93.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.09 > 1.0 |
| NWC/Revenue: -1.26k% < 20% (prev -1.27k%; Δ 8.98% < -1%) |
| CFO/TA 0.01 > 3% & CFO 92.0m > Net Income 93.0m |
| Net Debt (4.65b) to EBITDA (141.2m): 32.92 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (279.9m) vs 12m ago 0.08% < -2% |
| Gross Margin: 41.13% > 18% (prev 0.39%; Δ 4.07k% > 0.5%) |
| Asset Turnover: 4.71% > 50% (prev 4.51%; Δ 0.19% > 0%) |
| Interest Coverage Ratio: 0.25 > 6 (EBITDA TTM 141.2m / Interest Expense TTM 477.9m) |
| A: -0.59 (Total Current Assets 85.0m - Total Current Liabilities 10.4b) / Total Assets 17.5b |
| B: 0.06 (Retained Earnings 962.2m / Total Assets 17.5b) |
| C: 0.01 (EBIT TTM 118.1m / Avg Total Assets 17.3b) |
| D: 0.06 (Book Value of Equity 956.7m / Total Liabilities 15.6b) |
| Altman-Z'' = -3.57 = D |
| DSRI: 0.98 (Receivables 59.9m/58.0m, Revenue 814.4m/772.4m) |
| GMI: 0.96 (GM 41.13% / 39.37%) |
| AQI: 1.03 (AQ_t 0.99 / AQ_t-1 0.96) |
| SGI: 1.05 (Revenue 814.4m / 772.4m) |
| TATA: 0.00 (NI 93.0m - CFO 92.0m) / TA 17.5b) |
| Beneish M = -3.03 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 15.86 with a total of 695,461 shares traded.
Over the past week, the price has changed by +4.31%,
over one month by +8.20%,
over three months by +14.66% and
over the past year by +32.09%.
TFS Financial has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold TFSL.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 15.5 | -2.3% |
P/E Forward = 76.9231
P/S = 12.8163
P/B = 2.2026
P/EG = 72.6154
Revenue TTM = 814.4m USD
EBIT TTM = 118.1m USD
EBITDA TTM = 141.2m USD
Long Term Debt = 4.90b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.67b USD (from shortTermDebt, last quarter)
Debt = 5.13b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.65b USD (calculated: Debt 5.13b - CCE 479.7m)
Enterprise Value = 8.94b USD (4.29b + Debt 5.13b - CCE 479.7m)
Interest Coverage Ratio = 0.25 (Ebit TTM 118.1m / Interest Expense TTM 477.9m)
EV/FCF = 108.7x (Enterprise Value 8.94b / FCF TTM 82.3m)
FCF Yield = 0.92% (FCF TTM 82.3m / Enterprise Value 8.94b)
FCF Margin = 10.10% (FCF TTM 82.3m / Revenue TTM 814.4m)
Net Margin = 11.42% (Net Income TTM 93.0m / Revenue TTM 814.4m)
Gross Margin = 41.13% ((Revenue TTM 814.4m - Cost of Revenue TTM 479.4m) / Revenue TTM)
Gross Margin QoQ = 42.01% (prev 41.17%)
Tobins Q-Ratio = 0.51 (Enterprise Value 8.94b / Total Assets 17.5b)
Interest Expense / Debt = 9.32% (Interest Expense 477.9m / Debt 5.13b)
Taxrate = 22.10% (6.60m / 29.8m)
NOPAT = 92.0m (EBIT 118.1m * (1 - 22.10%))
Current Ratio = 0.01 (Total Current Assets 85.0m / Total Current Liabilities 10.4b)
Debt / Equity = 2.67 (Debt 5.13b / totalStockholderEquity, last quarter 1.92b)
Debt / EBITDA = 32.92 (Net Debt 4.65b / EBITDA 141.2m)
Debt / FCF = 56.50 (Net Debt 4.65b / FCF TTM 82.3m)
Total Stockholder Equity = 1.90b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.54% (Net Income 93.0m / Total Assets 17.5b)
RoE = 4.89% (Net Income TTM 93.0m / Total Stockholder Equity 1.90b)
RoCE = 1.74% (EBIT 118.1m / Capital Employed (Equity 1.90b + L.T.Debt 4.90b))
RoIC = 0.53% (NOPAT 92.0m / Invested Capital 17.5b)
WACC = 7.58% (E(4.29b)/V(9.42b) * Re(7.97%) + D(5.13b)/V(9.42b) * Rd(9.32%) * (1-Tc(0.22)))
Discount Rate = 7.97% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 0.15%
[DCF] Terminal Value 73.27% ; FCFF base≈87.6m ; Y1≈77.6m ; Y5≈63.8m
[DCF] Fair Price = N/A (negative equity: EV 1.02b - Net Debt 4.65b = -3.63b; debt exceeds intrinsic value)
EPS Correlation: 78.00 | EPS CAGR: 6.94% | SUE: -1.08 | # QB: -2
Revenue Correlation: 92.63 | Revenue CAGR: 11.16% | SUE: 0.72 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.08 | Chg30d=+0.00% | Revisions=-20% | Analysts=2
EPS current Year (2026-09-30): EPS=0.34 | Chg30d=+1.52% | Revisions=+20% | GrowthEPS=+4.7% | GrowthRev=+7.4%
EPS next Year (2027-09-30): EPS=0.37 | Chg30d=+4.23% | Revisions=+20% | GrowthEPS=+10.4% | GrowthRev=+7.0%
[Analyst] Revisions Ratio: -20%