TFS Financial Corporation (TFSL)
OvervaluedFundamental
55
Price
$16.60
Market Cap
$4.60B
Part 1 · What the company is worth
Overview
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$344M
Trailing 12 months (through 6/30/2026)
Net Income
$102M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$71M
Total Equity
$1.89B
Total Liabilities
$15.56B
Current Ratio
-
Interest Coverage
0.41
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$9.65
Current Price
$16.60
Margin of Safety
-72.0%
Fair Value Range
$6.27 - $13.03
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
46.11
ROE
4.8%
P/B Ratio
2.38
P/FCF
53.96
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
6.0%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (13)
- EPS shows upward trend
- EPS CAGR 12.30%
- P/B ratio 2.38
- Operating margin 37.7%
- Positive free cash flow
- CapEx intensity
- Low reliance on intangibles
- Revenue growth 5Y 6.7%
- Earnings surprise, average 10.1%
- Earnings quality (operating cash flow / net income) 0.96
- Share dilution 0.0%
- Net margin trend 29.7% vs 26.7%
- Piotroski F-Score 5/9
Failed (9)
- Price CAGR -1.42%
- P/FCF 53.96
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- Price below Graham Number
- DCF valuation (Overvalued)
- ROE 5.3%
- PEG ratio 27.62
Unavailable (5)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
Moderate: some gap between profits and cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Marc A. Stefanski | Chairman, President & CEO | 71 |
| Ms. Meredith S. Weil | CFO, Corporate Secretary & Treasurer | 58 |
| Mr. Andrew James Rubino | VP & COO | 49 |
| Ms. Cathy W. Zbanek | VP & Chief Synergy Officer of Third Federal Savings and Loan Association of Cleveland | 52 |
| Mr. Bradley T. Stefanski | VP & Chief Strategy Officer of Third Federal Savings and Loan | 36 |
| Ms. Susanne Noel Miller | Chief Accounting Officer | 59 |
| Mr. Timothy W. Mulhern | VP & Chief Innovation Officer of Third Federal Savings and Loan Association of Cleveland | 58 |
| Mr. Gavin B. Stefanski | Chief Experience Officer of Third Federal Savings and Loan | 36 |
| Ms. Deborah L. Hand | Chief Risk Officer | 50 |
| Ms. Sandra M. Long | Chief Consumer Banking Officer of Third Federal Savings and Loan Association of Cleveland | 55 |
Audit Risk
7
Board Risk
6
Compensation Risk
10
Shareholder Rights Risk
6
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2025-11-25
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-06
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-09-24
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much TFSL moves, measured on its daily prices.
More volatile than 5% of the tracked stocks (90-day volatility).
- Volatility 30d
- 18.5%
- Volatility 90d
- 18.8%
- Beta vs S&P 500 (1y)
- 0.51Correlation 0.29
- Max drawdown (12m)
- -13.6%
- ATR (14d, % of price)
- 1.81%
Earnings reactions
How TFSL moved around its past quarterly results.
Next earnings release
Oct 29, 2026 · In 5 days · After the close
EPS estimate: 0.09Revenue estimate: $90M
What usually happens
- Over the last 12 releases the stock moved a median of 3.4% the next day, up or down.
- Next-day moves: up 7, down 5 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026 | After the close | 0.08 | 0.11 | +34.8% | +3.1% | +2.0% | -1.1% |
| Apr 30, 2026 | After the close | 0.08 | 0.08 | -2.6% | -0.1% | -0.1% | +0.1% |
| Jan 29, 2026 | After the close | 0.08 | 0.08 | -2.6% | -3.2% | -4.2% | -1.2% |
| Oct 30, 2025 | After the close | 0.08 | 0.09 | +10.3% | +1.5% | +0.4% | +2.5% |
| Jul 30, 2025 | After the close | 0.08 | 0.08 | -2.0% | -0.2% | +4.0% | +0.9% |
| Apr 30, 2025 | After the close | n/a | n/a | n/a | +0.6% | +2.0% | +3.3% |
| Jan 30, 2025 | After the close | n/a | n/a | n/a | +1.6% | +7.3% | +8.5% |
| Oct 30, 2024 | After the close | n/a | n/a | n/a | -0.4% | -2.9% | +6.8% |
| Jul 30, 2024 | After the close | n/a | n/a | n/a | +0.2% | -1.5% | -7.0% |
| Apr 30, 2024 | After the close | n/a | n/a | n/a | +1.1% | +5.7% | +7.7% |
| Jan 30, 2024 | After the close | n/a | n/a | n/a | -1.4% | -4.4% | -6.6% |
| Jul 27, 2023 | After the close | n/a | n/a | n/a | +2.3% | +4.5% | +8.5% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on TFSL and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for TFSL.