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.

Financial snapshot

Revenue (ttm): 347.2M
Net income (ttm): 100.5M
EPS (ttm): $0.36
P/E (trailing): 46.3x
P/E (forward): 43.8x
Market cap: 4.7B

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%	Compra forte
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Compra forte
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Manter

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E43.8

P25 n/aP50 n/aP75 n/a

Trailing P/E46.3

P25 n/aP50 n/aP75 n/a

ROE5.3

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All TFSL indicators

Market & fundamental data

Available fields

247

Groups with data

Currency

USD

Showing 247 of 247 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

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

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-13.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

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%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on TFSL

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this TFSL report

Is a complete TFSL research report available?

No complete published report is available for TFS Financial Corporation (TFSL) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

TFS Financial Corporation (TFSL)

Price

Financial snapshot

Fair-value bridge

Latest news · TFSL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All TFSL indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TFSL

Frequently asked questions