Add To Watchlist
Share URL
TFS Financial Corporation
TFSL: NasdaqGSLowest reading is at 21 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Marc A. Stefanski
Market Cap
4.58 Billion USD
Sector
Financial Services
Website
https://www.thirdfederal.comLast Update
15/10/2026, 01:10:52
Description
TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States.
Read More
Strongest readings
No reading stands out above its benchmark.
Weakest readings
- ✘Revenue is growing at 5.13% per year while free cashflow is falling
- ✘Price-to-earnings of 44.5 is above the market average of 19.6
- ✘Debt is high at 2.59 times equity
- ✘Earnings and cashflow growth is weak (growth score 21 out of 100)
- ✘The current price sits above estimated fair value (margin of safety -56.85%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 44.52x | 19.60x | |
| ✘ | Margin of safety (DCF) | -56.85% | 17.95% | |
| ✘ | Revenue growth (5y average) | 5.13% | 10.97% | |
| ✘ | Dividend yield (TTM) | 1.32% | 1.85% | |
| ✘ | Share count, per year | 0.21% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
37 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings | 44.52x | 19.60x | |
| ✘ | Free cashflow yield | 1.90% | 4.70% | |
| ✘ | Price / earnings growth | 3.12x | 1.50x | |
| Price / book | 2.32x | — | ||
| ✘ | Margin of safety | -56.85% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 6.98 USD is below the current price of 16.33 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 11.8 USD ✘
Current Price: 16.2 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
21 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 5.13% | 10.97% | |
| ✘ | Earnings growth | 3.70% | 14.48% | |
| ✘ | Cashflow growth | -17.03% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (5.55% against a five year average of 5.13%)
- ✔Earnings growth has improved this year (22.95% against a five year average of 3.70%)
- ✔Free cashflow growth has improved this year
- ✘Revenue is growing at 5.13% per year while free cashflow is falling at 17.03% per year
Health
47 / 100Balance sheet is stretched on several measures.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Debt / equity | 2.59x | 0.80x | |
| ✔ | Debt / total capital | 0.72x | 1.00x | |
| Equity / assets | 10.85% | — | ||
| Loans / deposits | 1.51x | — | ||
| Net interest margin | 1.68% | — | ||
| Loan-loss cover | 0.47% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
63 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 1.32% | 1.85% | |
| ✔ | Dividend growth | 0.98% | 0.00% | |
| ✘ | Payout ratio (earnings) | 58.60% | 40.00% | |
| ✘ | Payout ratio (cashflow) | 69.33% | 65.00% | |
| ✔ | Worst year, last 5 years | -0.03% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
43 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 4.80% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 0.52% | — | ||
| Free cashflow return on capital | 0.41% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 0.21% | 0.00% | |
| ✘ | Share count, recent | 0.62% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 23.75% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔New shares were issued while the value score was 37 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
TFSL
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
TFS Financial Corporation
Currency
USD
Beta
0.726
Vol Avg
832014
Ceo
Mr. Marc A. Stefanski
Cik
0001381668
Cusip
Exchange
NasdaqGS
Full Time Employees
958
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
7007 Broadway Avenue
City
Cleveland
State
OH
Country
United States
Zip
44105
Phone
216 441 6000
Analysis Last Updated
15/10/2026, 01:10:52
Financial data compiled from SEC EDGAR filings and Yahoo Finance.