TFS Financial Corporation (TFSL)
NEUTRALFundamental
51
Price
$17.61
Market Cap
$4.99B
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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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
$10.14
Current Price
$17.61
Margin of Safety
-73.7%
Fair Value Range
$6.59 - $13.69
Estimation Methods
Valuation Metrics
P/E Ratio
49.03
ROE
4.8%
P/B Ratio
2.53
P/FCF
57.37
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 2.53
- Operating Margin 37.7%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Revenue Growth 5Y 6.7%
- Earnings Surprise avg 10.0%
- Earnings Quality (OCF/NI) 0.96
- Share Dilution 0.0%
- Net Margin Trend 29.7% vs 26.7%
- Piotroski F-Score 5/9
Failed (10)
- Price CAGR -0.76%
- P/FCF 57.37
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
- ROE 4.9%
- Analyst Consensus 0% Buy
- PEG Ratio 32.27
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- 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
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
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for TFSL, sourced from Markets Gazette.