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TFS Financial Corporation (TFSL)
Price$14.50
Favorite Metrics
Price vs S&P 500 (26W)4.71%
Price vs S&P 500 (4W)3.28%
Market Capitalization$4.10B
P/E Ratio (Annual)45.07x
Indicated Dividend Yield (Annual)7.73%
All Metrics
P/CF (Annual)49.74x
Book Value / Share (Quarterly)$6.77
P/TBV (Annual)1.96x
Indicated Dividend (Annual)$1.13
Revenue Growth (3Y)10.36%
Cash Flow / Share (Quarterly)$0.30
Payout Ratio (TTM)65.80%
Price vs S&P 500 (YTD)6.63%
Net Profit Margin (TTM)24.67%
EPS (TTM)$0.32
10-Day Avg Trading Volume0.69M
EPS Excl Extra (TTM)$0.32
Revenue Growth (5Y)6.67%
EPS (Annual)$0.33
Dividend / Share (Annual)$0.21
ROI (Annual)4.80%
Net Profit Margin (5Y Avg)26.93%
Cash / Share (Quarterly)$0.10
P/E Basic Excl Extra (TTM)45.14x
Revenue Growth QoQ (YoY)39.44%
EPS Growth (5Y)1.63%
P/E Normalized (Annual)45.07x
ROA (Last FY)0.52%
Revenue Growth TTM (YoY)49.49%
EBITD / Share (TTM)$0.50
ROE (5Y Avg)4.34%
Operating Margin (TTM)30.61%
Cash Flow / Share (Annual)$0.25
P/B Ratio2.16x
P/B Ratio (Quarterly)1.97x
Net Income / Employee (Annual)$0
ROA (TTM)0.52%
EPS Growth QoQ (YoY)-0.75%
EV / EBITDA (TTM)30.61x
EPS Incl Extra (Annual)$0.33
3-Month Avg Trading Volume0.75M
52-Week Price Return22.55%
EV / Free Cash Flow (Annual)59.88x
P/E Incl Extra (TTM)45.14x
Tangible BV / Share (Quarterly)$6.74
P/S Ratio (Annual)12.53x
52-Week High$15.42
EPS Excl Extra (Annual)$0.33
CapEx CAGR (5Y)29.05%
Tangible BV CAGR (5Y)2.53%
26-Week Price Return8.70%
13-Week Price Return4.95%
Total Debt / Equity (Annual)0.00x
Enterprise Value$4,249.139
Revenue / Share Growth (5Y)0.07%
Book Value / Share Growth (5Y)2.48%
Revenue / Employee (Annual)$301,976
Pretax Margin (Annual)30.61%
Cash / Share (Annual)$0.10
3-Month Return Std Dev25.81%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)0.71%
EBITDA Interim CAGR (5Y)-2.91%
ROE (Last FY)4.80%
EPS Basic Excl Extra (Annual)$0.33
P/FCF (TTM)42.53x
EV / Free Cash Flow (TTM)51.11x
Total Debt / Equity (Quarterly)0.08x
EPS Incl Extra (TTM)$0.32
ROI (TTM)4.70%
Dividend Growth Rate (5Y)1.36%
P/S Ratio (TTM)12.53x
Pretax Margin (5Y Avg)33.32%
Revenue / Share (Annual)$1.09
Tangible BV / Share (Annual)$6.72
Forward P/E43.94x
Free OCF CAGR (5Y)-9.76%
Price vs S&P 500 (52W)-7.28%
P/E Ratio (TTM)45.14x
EPS Growth TTM (YoY)11.51%
Year-to-Date Return9.27%
5-Day Price Return-2.08%
EPS Normalized (Annual)$0.33
ROA (5Y Avg)0.50%
Net Profit Margin (Annual)24.67%
Month-to-Date Return4.06%
Cash Flow / Share (TTM)$0.34
EBITD / Share (Annual)$0.49
EPS Growth (3Y)6.69%
Operating Margin (Annual)30.61%
P/CF (TTM)42.87x
ROI (5Y Avg)4.34%
P/E Excl Extra (TTM)45.14x
EPS Basic Excl Extra (TTM)$0.32
P/TBV (Quarterly)1.98x
Payout Ratio (Annual)65.45%
P/B Ratio (Annual)1.95x
Dividend / Share (TTM)$0.21
Pretax Margin (TTM)30.61%
Book Value / Share (Annual)$6.75
Price vs S&P 500 (13W)4.27%
Net Margin Growth (5Y)-4.10%
Dividend Yield (TTM)1.46%
Beta0.75x
P/FCF (Annual)57.76x
Revenue / Share (TTM)$1.09
ROE (TTM)4.79%
52-Week Low$11.70
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.17
2.29
2.29
2.29
Industry Peers — Savings Institutions(36)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
TFSLTFS Financial Corporation | 1.97x | 4.79% | 0.52% | — | $14.50 |
HSBCHSBC Holdings PLC | 1.38x | 14.21% | 0.85% | — | $90.52 |
AXAxos Financial, Inc. Common Stock | 1.67x | 16.59% | 1.75% | — | $94.74 |
EBCEastern Bankshares, Inc. Common Stock | 1.01x | 2.29% | 0.33% | — | $20.73 |
BKUBankunited, Inc. | 1.10x | 8.99% | 0.76% | — | $46.89 |
PFSProvident Financial Services, Inc. | 0.91x | 10.62% | 1.18% | — | $22.24 |
CLBKColumbia Financial, Inc. Common Stock | 1.40x | 4.58% | 0.48% | — | $18.17 |
CFFNCapitol Federal Financial, Inc. | 0.86x | 6.99% | 0.75% | — | $7.55 |
HTBHomeTrust Bancshares, Inc. | 1.25x | 11.00% | 1.41% | — | $44.63 |
NFBKNorthfield Bancorp, Inc. | 0.69x | 0.11% | 0.01% | — | $13.87 |
NRIMNorthrim BanCorp Inc | 1.80x | 21.32% | 1.99% | — | $24.27 |
About
TFS Financial Corp is a holding company for Third Federal Savings and Loan Association of Cleveland, primarily engaged in originating and servicing residential mortgage loans while attracting retail deposits. The company maintains a diversified investment portfolio through its Third Capital subsidiary, which holds interests in private equity funds, commercial real estate leasing, title and escrow services, and mortgage insurance reinsurance.