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TFS Financial Corporation (TFSL)
Price$15.66
Value ScoreF
Growth ScoreD
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)0.63%
Price vs S&P 500 (4W)0.88%
VGM Score31.83
Market Capitalization$4.41B
P/E Ratio (Annual)48.43x
Indicated Dividend Yield (Annual)7.10%
All Metrics
P/CF (Annual)53.45x
Book Value / Share (Quarterly)$6.85
P/TBV (Annual)1.96x
Indicated Dividend (Annual)$1.13
Revenue Growth (3Y)10.36%
Cash Flow / Share (Quarterly)$0.29
Payout Ratio (TTM)64.26%
Price vs S&P 500 (YTD)7.97%
Net Profit Margin (TTM)24.67%
EPS (TTM)$0.33
10-Day Avg Trading Volume0.90M
EPS Excl Extra (TTM)$0.33
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)47.36x
Revenue Growth QoQ (YoY)39.44%
EPS Growth (5Y)1.63%
P/E Normalized (Annual)48.43x
ROA (Last FY)0.52%
Revenue Growth TTM (YoY)49.49%
EBITD / Share (TTM)$0.95
ROE (5Y Avg)4.34%
Operating Margin (TTM)30.61%
Cash Flow / Share (Annual)$0.25
P/B Ratio2.29x
P/B Ratio (Quarterly)2.05x
Net Income / Employee (Annual)$94,900
ROA (TTM)0.53%
EPS Growth QoQ (YoY)10.37%
EV / EBITDA (TTM)31.44x
EPS Incl Extra (Annual)$0.33
3-Month Avg Trading Volume0.81M
52-Week Price Return20.08%
EV / Free Cash Flow (Annual)62.08x
P/E Incl Extra (TTM)47.36x
Tangible BV / Share (Quarterly)$6.82
P/S Ratio (Annual)12.53x
52-Week High$16.20
EPS Excl Extra (Annual)$0.33
CapEx CAGR (5Y)29.05%
Tangible BV CAGR (5Y)2.53%
26-Week Price Return16.56%
13-Week Price Return10.18%
Total Debt / Equity (Annual)0.00x
Enterprise Value$4.41B
Revenue / Share Growth (5Y)0.07%
Book Value / Share Growth (5Y)2.48%
Revenue / Employee (Annual)$301,976,300,000
Pretax Margin (Annual)30.61%
Cash / Share (Annual)$0.10
3-Month Return Std Dev19.15%
Net Income / Employee (TTM)$97,100
EBITDA CAGR (5Y)5.20%
EBITDA Interim CAGR (5Y)5.20%
ROE (Last FY)4.80%
EPS Basic Excl Extra (Annual)$0.33
P/FCF (TTM)46.13x
EV / Free Cash Flow (TTM)53.56x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$0.33
ROI (TTM)4.80%
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/E44.59x
Free OCF CAGR (5Y)-9.76%
Price vs S&P 500 (52W)-8.13%
P/E Ratio (TTM)47.36x
EPS Growth TTM (YoY)13.80%
Year-to-Date Return18.91%
5-Day Price Return-0.38%
EPS Normalized (Annual)$0.33
ROA (5Y Avg)0.50%
Net Profit Margin (Annual)24.67%
Month-to-Date Return5.78%
Cash Flow / Share (TTM)$0.34
EBITD / Share (Annual)$0.49
EPS Growth (3Y)6.69%
Operating Margin (Annual)30.61%
P/CF (TTM)47.87x
ROI (5Y Avg)4.34%
P/E Excl Extra (TTM)47.36x
EPS Basic Excl Extra (TTM)$0.33
P/TBV (Quarterly)2.06x
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)0.43%
Net Margin Growth (5Y)-4.10%
Dividend Yield (TTM)1.36%
Beta0.77x
P/FCF (Annual)62.08x
Revenue / Share (TTM)$1.09
ROE (TTM)4.89%
52-Week Low$12.54
vGradeF
gGradeD
mGradeC
vgmGradeD
Show chart for
Earnings Surprise History
Q2 260.08est. 0.08
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
2.29
2.29
2.29
2.29
Industry Peers — Savings Institutions(37)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
TFSLTFS Financial Corporation | F | D | C | $15.66 |
| HSBCHSBC Holdings PLC | C | D | A | $93.18 |
| AXAxos Financial, Inc. Common Stock | C | B | D | $86.35 |
| EBCEastern Bankshares, Inc. Common Stock | C | B | D | $19.46 |
| BKUBankunited, Inc. | B | D | C | $45.80 |
| PFSProvident Financial Services, Inc. | B | C | C | $21.84 |
| CLBKColumbia Financial, Inc. Common Stock | F | D | B | $19.90 |
| CFFNCapitol Federal Financial, Inc. | C | D | B | $7.69 |
| HTBHomeTrust Bancshares, Inc. | C | B | C | $46.29 |
| NFBKNorthfield Bancorp, Inc. | C | D | C | $14.18 |
| NRIMNorthrim BanCorp Inc | B | D | D | $24.04 |
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.