(TFSL) TFS Financial - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 3.853m USD | Total Return: 23.2% in 12m

Stock Banking, Mortgages, Loans, Deposits
Total Rating 38
Risk 31
Buy Signal 0.71
Banks - Regional +1.6
Regional Banks +2.1
Market Cap: 3,853m
Avg Trading Vol: 10.4M USD
ATR: 2.16%
Peers RS (IBD): 62.8
Risk 5d forecast
Volatility24.5%
Rel. Tail Risk-7.89%
Reward TTM
Sharpe Ratio0.84
Alpha11.61
Character TTM
Beta0.601
Beta Downside0.919
Drawdowns 3y
Max DD24.67%
CAGR/Max DD0.58
EPS (Earnings per Share) EPS (Earnings per Share) of TFSL over the last years for every Quarter: "2021-03": 0.08, "2021-06": 0.06, "2021-09": 0.06, "2021-12": 0.06, "2022-03": 0.06, "2022-06": 0.06, "2022-09": 0.09, "2022-12": 0.08, "2023-03": 0.06, "2023-06": 0.06, "2023-09": 0.07, "2023-12": 0.07, "2024-03": 0.07, "2024-06": 0.07, "2024-09": 0.06, "2024-12": 0.08, "2025-03": 0.07, "2025-06": 0.08, "2025-09": 0.09, "2025-12": 0.08, "2026-03": 0,
EPS CAGR: -45.25%
EPS Trend: -22.0%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of TFSL over the last years for every Quarter: 2021-03: 113.663, 2021-06: 104.84, 2021-09: 102.757, 2021-12: 100.244, 2022-03: 99.052, 2022-06: 108.448, 2022-09: 125.393, 2022-12: 144.127, 2023-03: 152.881, 2023-06: 162.5, 2023-09: 173.84, 2023-12: 183.474, 2024-03: 189.215, 2024-06: 191.151, 2024-09: 194.936, 2024-12: 193.271, 2025-03: 193.02, 2025-06: 198.455, 2025-09: 207.214, 2025-12: 205.82, 2026-03: null,
Rev. CAGR: 21.53%
Rev. Trend: 90.0%
Last SUE: 0.72
Qual. Beats: 0
Description: TFSL TFS Financial March 04, 2026

TFS Financial Corporation (TFSL) is a U.S. regional bank offering retail consumer banking services.

The companys deposit products include savings, money market, checking, and individual retirement accounts. Regional banks typically rely on these deposits to fund their lending activities.

TFSL provides various real estate loans, such as residential mortgages, construction loans, and home equity lines of credit. Mortgage lending is a primary revenue driver for many financial institutions.

Additionally, TFSL offers escrow and settlement services, a common ancillary service in the real estate transaction process.

Founded in 1938 and headquartered in Cleveland, Ohio, TFSL operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC. For further in-depth analysis, consider exploring ValueRays comprehensive reports.

Headlines to Watch Out For
  • Net interest margin compression impacts profitability
  • Residential mortgage loan demand fluctuates with interest rates
  • Deposit growth influences lending capacity
  • Regulatory changes affect compliance costs
  • Housing market conditions drive loan portfolio performance
Piotroski VR‑10 (Strict, 0-10) 3.0
Net Income: 90.8m TTM > 0 and > 6% of Revenue
FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.08 > 1.0
NWC/Revenue: -1.22k% < 20% (prev -1.19k%; Δ -30.56% < -1%)
CFO/TA 0.01 > 3% & CFO 95.6m > Net Income 90.8m
Net Debt (4.53b) to EBITDA (132.6m): 34.14 < 3
Current Ratio: 0.05 > 1.5 & < 3
Outstanding Shares: last quarter (283.3m) vs 12m ago 1.33% < -2%
Gross Margin: 40.69% > 18% (prev 0.40%; Δ 4.03k% > 0.5%)
Asset Turnover: 4.66% > 50% (prev 4.51%; Δ 0.15% > 0%)
Interest Coverage Ratio: 0.18 > 6 (EBITDA TTM 132.6m / Interest Expense TTM 474.1m)
Altman Z'' -3.42
A: -0.56 (Total Current Assets 521.1m - Total Current Liabilities 10.37b) / Total Assets 17.50b
B: 0.05 (Retained Earnings 954.2m / Total Assets 17.50b)
C: 0.00 (EBIT TTM 86.3m / Avg Total Assets 17.28b)
D: 0.06 (Book Value of Equity 936.2m / Total Liabilities 15.60b)
Altman-Z'' Score: -3.42 = D
Beneish M -3.00
DSRI: 1.00 (Receivables 60.3m/57.5m, Revenue 804.5m/768.6m)
GMI: 0.97 (GM 40.69% / 39.63%)
AQI: 1.03 (AQ_t 0.97 / AQ_t-1 0.94)
SGI: 1.05 (Revenue 804.5m / 768.6m)
TATA: -0.00 (NI 90.8m - CFO 95.6m) / TA 17.50b)
Beneish M-Score: -3.00 (Cap -4..+1) = A
What is the price of TFSL shares? As of April 01, 2026, the stock is trading at USD 14.05 with a total of 872,362 shares traded.
Over the past week, the price has changed by +3.31%, over one month by +0.10%, over three months by +7.21% and over the past year by +23.24%.
Is TFSL a buy, sell or hold? TFS Financial has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold TFSL.
  • StrongBuy: 0
  • Buy: 0
  • Hold: 2
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the TFSL price?
ISSUER TARGET UP/DOWN
Wallstreet Target Price 14.5 3.2%
Analysts Target Price 14.5 3.2%
TFSL Fundamental Data Overview April 01, 2026
P/E Trailing = 42.9063
P/E Forward = 76.9231
P/S = 11.7698
P/B = 1.9763
P/EG = 72.6154
Revenue TTM = 804.5m USD
EBIT TTM = 86.3m USD
EBITDA TTM = 132.6m USD
Long Term Debt = 4.98b USD (from longTermDebt, last quarter)
Short Term Debt = 1.20b USD (from shortTermDebt, last fiscal year)
Debt = 4.98b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.53b USD (from netDebt column, last quarter)
Enterprise Value = 8.37b USD (3.85b + Debt 4.98b - CCE 460.8m)
Interest Coverage Ratio = 0.18 (Ebit TTM 86.3m / Interest Expense TTM 474.1m)
EV/FCF = 100.7x (Enterprise Value 8.37b / FCF TTM 83.1m)
FCF Yield = 0.99% (FCF TTM 83.1m / Enterprise Value 8.37b)
FCF Margin = 10.33% (FCF TTM 83.1m / Revenue TTM 804.5m)
Net Margin = 11.29% (Net Income TTM 90.8m / Revenue TTM 804.5m)
Gross Margin = 40.69% ((Revenue TTM 804.5m - Cost of Revenue TTM 477.1m) / Revenue TTM)
Gross Margin QoQ = 41.17% (prev 40.77%)
Tobins Q-Ratio = 0.48 (Enterprise Value 8.37b / Total Assets 17.50b)
Interest Expense / Debt = 2.45% (Interest Expense 122.1m / Debt 4.98b)
Taxrate = 21.84% (6.22m / 28.5m)
NOPAT = 67.5m (EBIT 86.3m * (1 - 21.84%))
Current Ratio = 0.05 (Total Current Assets 521.1m / Total Current Liabilities 10.37b)
Debt / Equity = 2.62 (Debt 4.98b / totalStockholderEquity, last quarter 1.90b)
Debt / EBITDA = 34.14 (Net Debt 4.53b / EBITDA 132.6m)
Debt / FCF = 54.43 (Net Debt 4.53b / FCF TTM 83.1m)
Total Stockholder Equity = 1.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.53% (Net Income 90.8m / Total Assets 17.50b)
RoE = 4.79% (Net Income TTM 90.8m / Total Stockholder Equity 1.89b)
RoCE = 1.26% (EBIT 86.3m / Capital Employed (Equity 1.89b + L.T.Debt 4.98b))
RoIC = 1.00% (NOPAT 67.5m / Invested Capital 6.75b)
WACC = 4.61% (E(3.85b)/V(8.84b) * Re(8.10%) + D(4.98b)/V(8.84b) * Rd(2.45%) * (1-Tc(0.22)))
Discount Rate = 8.10% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.77%
[DCF] Terminal Value 86.46% ; FCFF base≈87.8m ; Y1≈88.9m ; Y5≈96.6m
 [DCF] Fair Price = N/A (negative equity: EV 2.87b - Net Debt 4.53b = -1.66b; debt exceeds intrinsic value)
 EPS Correlation: -21.99 | EPS CAGR: -45.25% | SUE: -4.0 | # QB: 0
Revenue Correlation: 89.97 | Revenue CAGR: 21.53% | SUE: 0.72 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.08 | Chg7d=-0.010 | Chg30d=-0.010 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-09-30): EPS=0.33 | Chg7d=-0.030 | Chg30d=-0.030 | Revisions Net=-1 | Growth EPS=+3.1% | Growth Revenue=+6.2%
EPS next Year (2027-09-30): EPS=0.35 | Chg7d=-0.025 | Chg30d=-0.015 | Revisions Net=-1 | Growth EPS=+7.6% | Growth Revenue=+5.2%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.8% (Discount Rate 8.1% - Earnings Yield 2.3%)
[Growth] Growth Spread = -1.1% (Analyst 4.7% - Implied 5.8%)
Additional Sources for TFSL Stock Fund Manager Positions: Dataroma · Stockcircle