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TFS Financial Corporation (TFSL)

NASDAQ: TFSL · USD

$16.7

-0.06 (-0.3%)· Recorded snapshot

Market cap	4.7B
Revenue (ttm)	347.2M
Net income (ttm)	100.5M
EPS (ttm)	$0.36
Shares out	278.9M
P/E (trailing)	46.3x
P/E (forward)	43.8x
Dividend	$1.27 (7.63%)
Volume	564,344
Beta	0.73

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	شراء قوي
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	شراء قوي
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	احتفاظ

Metric	Value
Amount currency	USD
CIK code	0001381668
Company name	TFS Financial Corporation
Country	United States
Country code	US
CUSIP number	87240R107
Earnings date	2026-11-10
Earnings time	amc
Employees	958
Employees change	39
Employees growth	4.24%
Enterprise value	$9.9B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	September
Founded	1938
Industry	Banks - Regional
IPO date	2007-04-23
Is primary listing	Yes
Is SPAC	No
ISIN number	US87240R1077
Last 10-K release date	2025-11-25
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$4.7B
Market cap category	Mid-Cap
Next earnings date	2026-11-10
Options	Yes
Price	$16.68
Price currency	USD
Sector	Financials
SIC code	6035
Stock price date	2026-10-28
Symbol	TFSL
U.S. state	Ohio
Website	https://www.thirdfederal.com

Metric

Value

Amount currency

USD

CIK code

0001381668

Company name

TFS Financial Corporation

Country

United States

Country code

CUSIP number

87240R107

Earnings date

2026-11-10

Earnings time

amc

Employees

958

Employees change

Employees growth

4.24%

Enterprise value

$9.9B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

September

Founded

1938

Industry

Banks - Regional

IPO date

2007-04-23

Is primary listing

Yes

Is SPAC

ISIN number

US87240R1077

Last 10-K release date

2025-11-25

Last earnings date

2026-07-30

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$4.7B

Market cap category

Mid-Cap

Next earnings date

2026-11-10

Options

Yes

Price

$16.68

Price currency

USD

Sector

Financials

SIC code

6035

Stock price date

2026-10-28

Symbol

TFSL

U.S. state

Ohio

Website

https://www.thirdfederal.com

Metric	Value
Adjusted P/E ratio	46.32x
Average P/E ratio (10Y)	52.88x
Average P/E ratio (3Y)	45.17x
Average P/E ratio (5Y)	49.9x
Earnings yield	2.16%
EV/Earnings	98.7x
EV/FCF	115.03x
EV/Sales	28.58x
FCF / EV yield	0.87%
FCF yield	1.86%
Forward EV/Sales	26.91x
Forward P/E	43.82x
Forward P/S	12.6x
Graham number	7.5394
Graham upside	-54.73%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$2.07
Lynch upside	-87.57%
P/B ratio	2.38x
P/E ratio	46.32x
P/FCF ratio	53.85x
P/OCF ratio	47.5x
P/S ratio	13.38x
Price / tangible book value	2.37x
Sector forward P/E	13.61x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

46.32x

Average P/E ratio (10Y)

52.88x

Average P/E ratio (3Y)

45.17x

Average P/E ratio (5Y)

49.9x

Earnings yield

2.16%

EV/Earnings

98.7x

EV/FCF

115.03x

EV/Sales

28.58x

FCF / EV yield

0.87%

FCF yield

1.86%

Forward EV/Sales

26.91x

Forward P/E

43.82x

Forward P/S

12.6x

Graham number

7.5394

Graham upside

-54.73%

Industry forward P/E

9.97x

Industry P/E

11.81x

Lynch fair value

$2.07

Lynch upside

-87.57%

P/B ratio

2.38x

P/E ratio

46.32x

P/FCF ratio

53.85x

P/OCF ratio

47.5x

P/S ratio

13.38x

Price / tangible book value

2.37x

Sector forward P/E

13.61x

Sector P/E

15.65x

Metric	Value
Effective tax rate	21.16%
FCF margin	24.85%
Operating margin	41.21%
Pretax margin	37.28%
Profit margin	29.39%
Profit per employee	$104,955
Profitable quarters	62
Profitable years	22
Revenue per employee	$362,452
ROA	0.58%
ROA (5Y)	0.5%
ROE	5.31%
ROE (5Y)	4.39%
SBC / revenue	3.36%
Tax / revenue	7.89%

Metric

Value

Effective tax rate

21.16%

FCF margin

24.85%

Operating margin

41.21%

Pretax margin

37.28%

Profit margin

29.39%

Profit per employee

$104,955

Profitable quarters

Profitable years

Revenue per employee

$362,452

ROA

0.58%

ROA (5Y)

0.5%

ROE

5.31%

ROE (5Y)

4.39%

SBC / revenue

3.36%

Tax / revenue

7.89%

Metric	Value
EPS growth	24.13%
EPS growth (Q)	42.51%
EPS growth (QoQ)	35.12%
EPS growth 10Y	2.53%
EPS growth 3Y	7.86%
EPS growth 5Y	5.92%
EPS growth quarters	2
EPS growth years	2
FCF growth	247.63%
FCF growth (Q)	16.04%
FCF growth (QoQ)	116.85%
FCF growth 3Y	13.21%
FCF growth 5Y	-10.49%
Net income growth	22.71%
Net income growth (Q)	41.96%
Net income growth (QoQ)	31.74%
Net income growth 3Y	8.11%
Net income growth 5Y	5.75%
Net income growth quarters	2
Net income growth years	3
OCF growth	180.69%
OCF growth (Q)	21.53%
OCF growth (QoQ)	84.31%
OCF growth 10Y	1.92%
OCF growth 3Y	14.76%
OCF growth 5Y	-8.41%
Revenue growth	12.51%
Revenue growth (Q)	15.19%
Revenue growth (QoQ)	8.83%
Revenue growth 10Y	1.24%
Revenue growth 3Y	3.69%
Revenue growth 5Y	3.31%
Revenue growth quarters	5
Revenue growth years	1

Metric

Value

EPS growth

24.13%

EPS growth (Q)

42.51%

EPS growth (QoQ)

35.12%

EPS growth 10Y

2.53%

EPS growth 3Y

7.86%

EPS growth 5Y

5.92%

EPS growth quarters

EPS growth years

FCF growth

247.63%

FCF growth (Q)

16.04%

FCF growth (QoQ)

116.85%

FCF growth 3Y

13.21%

FCF growth 5Y

-10.49%

Net income growth

22.71%

Net income growth (Q)

41.96%

Net income growth (QoQ)

31.74%

Net income growth 3Y

8.11%

Net income growth 5Y

5.75%

Net income growth quarters

Net income growth years

OCF growth

180.69%

OCF growth (Q)

21.53%

OCF growth (QoQ)

84.31%

OCF growth 10Y

1.92%

OCF growth 3Y

14.76%

OCF growth 5Y

-8.41%

Revenue growth

12.51%

Revenue growth (Q)

15.19%

Revenue growth (QoQ)

8.83%

Revenue growth 10Y

1.24%

Revenue growth 3Y

3.69%

Revenue growth 5Y

3.31%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-11.5M
EPS	$0.36
FCF per share	$0.31
Financing cash flow	$590M
Free cash flow	$86.3M
Gross profit	$347.2M
Income taxes	$27.4M
Investing cash flow	$-571.5M
Net borrowing	$946.7M
Net cash flow	$116.4M
Net income	$100.5M
Operating income	$143.1M
Revenue	$347.2M
Stock-based compensation	$11.7M

Metric

Value

Capital expenditures

$-11.5M

EPS

$0.36

FCF per share

$0.31

Financing cash flow

$590M

Free cash flow

$86.3M

Gross profit

$347.2M

Income taxes

$27.4M

Investing cash flow

$-571.5M

Net borrowing

$946.7M

Net cash flow

$116.4M

Net income

$100.5M

Operating income

$143.1M

Revenue

$347.2M

Stock-based compensation

$11.7M

Metric	Value
Book value per share	$7.02
Debt / equity	2.99
Debt / FCF	67.87
Net cash (debt)	$-5.3B
Net cash / market cap	-113.62%
Net debt / equity	2.7
Net debt / FCF	61.18
Piotroski F-Score	3
Property, plant and equipment	$45.6M
Shareholders' equity	$2B
Tangible book value	$2B
Tangible book value per share	$7.02
Total assets	$18.1B
Total cash	$577.4M
Total debt	$5.9B
Total liabilities	$16.1B
WACC	3.66%

Metric

Value

Book value per share

$7.02

Debt / equity

2.99

Debt / FCF

67.87

Net cash (debt)

$-5.3B

Net cash / market cap

-113.62%

Net debt / equity

2.7

Net debt / FCF

61.18

Piotroski F-Score

Property, plant and equipment

$45.6M

Shareholders' equity

$2B

Tangible book value

$2B

Tangible book value per share

$7.02

Total assets

$18.1B

Total cash

$577.4M

Total debt

$5.9B

Total liabilities

$16.1B

WACC

3.66%

Metric	Value
Working capital	$-13.9B

Metric

Value

Working capital

$-13.9B

Metric	Value
Buyback yield / dilution	-0.12%
Dividend growth	3.1%
Dividend growth (10Y)	10.61%
Dividend growth (3Y)	1.02%
Dividend growth (5Y)	0.75%
Dividend growth years	0
Dividend payment date	2026-09-23
Dividend payment years	13
Dividend payout frequency	Quarterly
Dividend per share	$1.27
Dividend yield	7.63%
Ex-dividend date	2026-09-09
FCF payout ratio	410.6%
Last dividend	$0.32
Payout ratio	352.78%
Shareholder yield	7.52%

Metric

Value

Buyback yield / dilution

-0.12%

Dividend growth

3.1%

Dividend growth (10Y)

10.61%

Dividend growth (3Y)

1.02%

Dividend growth (5Y)

0.75%

Dividend growth years

Dividend payment date

2026-09-23

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$1.27

Dividend yield

7.63%

Ex-dividend date

2026-09-09

FCF payout ratio

410.6%

Last dividend

$0.32

Payout ratio

352.78%

Shareholder yield

7.52%

Metric	Value
10Y price change	-5.74%
10Y return CAGR	6.26%
10Y total return	83.49%
150-day SMA	$16.49
15Y price change	80.92%
15Y return CAGR	9.11%
15Y total return	269.77%
1D price change	-0.33%
1M price change	-0.78%
1M total return	-0.78%
1W price change	1.16%
1W total return	1.16%
1Y price change	20.13%
1Y return CAGR	29.64%
1Y total return	29.62%
20-day SMA	$16.41
200-day SMA	$15.92
3M price change	-8.24%
3M total return	-6.53%
3Y price change	42.04%
3Y return CAGR	22.12%
3Y total return	82.16%
50-day SMA	$16.85
50-day SMA vs 200-day SMA	50over200
52-week high	$19.49
52-week high date	2026-08-03
52-week low	$13.18
52-week low date	2025-10-30
5Y price change	-13.73%
5Y return CAGR	5.3%
5Y total return	29.48%
6M price change	10.9%
6M total return	14.9%
All-time high	$22.54
All-time high date	2021-06-02
All-time low	$7.56
All-time low date	2011-09-22
Average true range (ATR)	$0.29
Average volume	713.5K
Beta (1Y)	-0.09
Beta (2Y)	0.37
Beta (5Y)	0.73
Change from 52-week high	-14.44%
Change from 52-week low	26.57%
Change from all-time high	-26.4%
Change from all-time low	119.44%
Change from open	-0.63%
Day's gap	0.3%
Dollar volume	$9.4M
High price	$16.78
Low price	$16.55
Monthly RSI	58.58
Open price	$16.78
Position in 52-week range	54.35%
Premarket change	0.32%
Premarket close	$16.73
Premarket price	$16.78
Previous close	$16.73
Price vs 150-day SMA	0.59%
Price vs 20-day SMA	1.07%
Price vs 200-day SMA	4.18%
Price vs 50-day SMA	-1.54%
Relative volume	0.79
RSI	50.74
Sharpe ratio	1.12
Sharpe ratio (3Y)	0.87
Sharpe ratio (5Y)	0.13
Sortino ratio	1.94
Sortino ratio (3Y)	1.62
Sortino ratio (5Y)	0.45
Volume	564.3K
Weekly RSI	51.69
YTD price change	23.99%
YTD total return	31.16%

Metric

Value

10Y price change

-5.74%

10Y return CAGR

6.26%

10Y total return

83.49%

150-day SMA

$16.49

15Y price change

80.92%

15Y return CAGR

9.11%

15Y total return

269.77%

1D price change

-0.33%

1M price change

-0.78%

1M total return

-0.78%

1W price change

1.16%

1W total return

1.16%

1Y price change

20.13%

1Y return CAGR

29.64%

1Y total return

29.62%

20-day SMA

$16.41

200-day SMA

$15.92

3M price change

-8.24%

3M total return

-6.53%

3Y price change

42.04%

3Y return CAGR

22.12%

3Y total return

82.16%

50-day SMA

$16.85

50-day SMA vs 200-day SMA

50over200

52-week high

$19.49

52-week high date

2026-08-03

52-week low

$13.18

52-week low date

2025-10-30

5Y price change

-13.73%

5Y return CAGR

5.3%

5Y total return

29.48%

6M price change

10.9%

6M total return

14.9%

All-time high

$22.54

All-time high date

2021-06-02

All-time low

$7.56

All-time low date

2011-09-22

Average true range (ATR)

$0.29

Average volume

713.5K

Beta (1Y)

-0.09

Beta (2Y)

0.37

Beta (5Y)

0.73

Change from 52-week high

-14.44%

Change from 52-week low

26.57%

Change from all-time high

-26.4%

Change from all-time low

119.44%

Change from open

-0.63%

Day's gap

0.3%

Dollar volume

$9.4M

High price

$16.78

Low price

$16.55

Monthly RSI

58.58

Open price

$16.78

Position in 52-week range

54.35%

Premarket change

0.32%

Premarket close

$16.73

Premarket price

$16.78

Previous close

$16.73

Price vs 150-day SMA

0.59%

Price vs 20-day SMA

1.07%

Price vs 200-day SMA

4.18%

Price vs 50-day SMA

-1.54%

Relative volume

0.79

RSI

50.74

Sharpe ratio

1.12

Sharpe ratio (3Y)

0.87

Sharpe ratio (5Y)

0.13

Sortino ratio

1.94

Sortino ratio (3Y)

1.62

Sortino ratio (5Y)

0.45

Volume

564.3K

Weekly RSI

51.69

YTD price change

23.99%

YTD total return

31.16%

Metric	Value
Float	50.4M
Float percentage	18.07%
Shares change (QoQ)	0.09%
Shares change (YoY)	0.12%
Shares held by insiders	0.49%
Shares held by institutions	13.88%
Shares outstanding	278.9M
Short % of float	19.8%
Short % of shares	3.58%
Short ratio	13.5 days

Metric

Value

Float

50.4M

Float percentage

18.07%

Shares change (QoQ)

0.09%

Shares change (YoY)

0.12%

Shares held by insiders

0.49%

Shares held by institutions

13.88%

Shares outstanding

278.9M

Short % of float

19.8%

Short % of shares

3.58%

Short ratio

13.5 days

TFS Financial Corporation (TFSL)

Price

Financial snapshot

Fair-value bridge

Latest news · TFSL

Valuation

Profitability

Balance sheet

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Profile and market data

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Performance and technicals

Ownership and float

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Frequently asked questions