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TFS Financial
(NASDAQ:TFSL)
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Rating:64Neutral
Price Target:
$19.00
▲(26.75% Upside)
Action:Reiterated
Date:05/29/26
The score is driven primarily by solid but not risk-free fundamentals: strong revenue/earnings trends are tempered by elevated leverage and weakening free-cash-flow momentum. Technicals are supportive with a clear uptrend and positive MACD, though momentum is near overbought. Valuation is mixed (high yield vs. high P/E), and corporate events add dividend-related upside but also approval risk.
Positive Factors
Revenue & Earnings Growth
Consistent revenue expansion and rising net income (2023 ~$75M to ~$93M TTM) indicate the mortgage-originations and deposit-funded model is scaling. Durable growth across periods supports steady net interest income and provides a runway for reinvestment and distribution over the next several months.
Negative Factors
Elevated Leverage
A rising debt-to-equity ratio (~2.67x vs ~1.81x in 2021) signals materially higher leverage for a regional thrift. Elevated leverage constrains capital flexibility, increases sensitivity to funding-cost shocks or credit stress, and limits the firm's ability to pursue growth or defensive capital measures.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Earnings Growth
Consistent revenue expansion and rising net income (2023 ~$75M to ~$93M TTM) indicate the mortgage-originations and deposit-funded model is scaling. Durable growth across periods supports steady net interest income and provides a runway for reinvestment and distribution over the next several months.
Read all positive factors
TFS Financial (TFSL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.00B
Dividend Yield8.04%
Average Volume (3M)953.50K
Price to Earnings (P/E)53.9
Beta (1Y)0.46
Revenue Growth5.52%
EPS Growth13.99%
CountryUS
Employees919
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.34
Shares Outstanding280,432,130
10 Day Avg. Volume999,704
30 Day Avg. Volume953,495
Financial Highlights & Ratios
PEG Ratio2.88
Price to Book (P/B)1.94
Price to Sales (P/S)4.64
P/FCF Ratio51.76
Enterprise Value/Market Cap1.93
Enterprise Value/Revenue11.87
Enterprise Value/Gross Profit28.85
Enterprise Value/Ebitda67.86
Forecast
1Y Price Target
$15.50Price Target Upside3.40% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)0.33
Revenue Forecast (FY)$341.37M
TFS Financial Business Overview & Revenue Model
Company Description
TFS Financial Corporation delivers a comprehensive array of retail banking solutions to individual consumers across the United States. The company's deposit offerings encompass savings, money market, and checking accounts, in addition to individua...
How the Company Makes Money
TFS Financial primarily makes money through net interest income and, to a lesser extent, noninterest income. (1) Net interest income: The core earnings driver is the spread between interest earned on assets and interest paid on liabilities. On the...
TFS Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
61
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 814.39M | 791.96M | 758.78M | 633.35M | 433.14M | 444.65M |
| Gross Profit | 335.00M | 318.97M | 304.66M | 306.50M | 290.20M | 295.93M |
| EBITDA | 142.43M | 137.76M | 119.35M | 111.48M | 119.09M | 132.66M |
| Net Income | 93.03M | 90.96M | 79.59M | 75.25M | 74.56M | 81.01M |
Balance Sheet | ||||||
| Total Assets | 17.48B | 17.46B | 17.09B | 16.92B | 15.79B | 14.06B |
| Cash, Cash Equivalents and Short-Term Investments | 25.12M | 483.48M | 989.97M | 975.07M | 827.47M | 910.11M |
| Total Debt | 5.13B | 4.90B | 4.82B | 5.30B | 4.82B | 3.13B |
| Total Liabilities | 15.56B | 15.56B | 15.23B | 14.99B | 13.95B | 12.33B |
| Stockholders Equity | 1.92B | 1.89B | 1.86B | 1.93B | 1.84B | 1.73B |
Cash Flow | ||||||
| Free Cash Flow | 82.26M | 70.97M | 85.54M | 85.62M | 36.23M | 81.82M |
| Operating Cash Flow | 92.04M | 82.42M | 88.60M | 90.72M | 38.93M | 83.16M |
| Investing Cash Flow | -332.06M | -383.98M | -124.71M | -1.01B | -1.88B | 547.36M |
| Financing Cash Flow | 213.72M | 267.28M | 33.08M | 1.02B | 1.72B | -640.22M |
TFS Financial Technical Analysis
Positive
14.99
Price Trends
15.78
Positive
14.84
Positive
13.98
Positive
Market Momentum
0.58
Negative
78.00
Negative
93.20
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TFSL, the sentiment is Positive. The current price of 14.99 is below the 20-day moving average (MA) of 16.87, below the 50-day MA of 15.78, and above the 200-day MA of 13.98, indicating a bullish trend. The MACD of 0.58 indicates Negative momentum. The RSI at 78.00 is Negative, neither overbought nor oversold. The STOCH value of 93.20 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TFSL.
TFS Financial Risk Analysis
TFS Financial disclosed 42 risk factors in its most recent earnings report. TFS Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
TFS Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $4.25B | 12.95 | 9.41% | 3.02% | 4.20% | 29.58% | |
77 Outperform | $4.54B | 13.82 | 9.93% | ― | 3.26% | 329.26% | |
75 Outperform | $4.07B | 11.65 | 18.53% | 3.38% | 1.43% | 22.08% | |
73 Outperform | $3.97B | 17.75 | 5.94% | 2.47% | 43.39% | -25.06% | |
70 Outperform | $4.61B | 11.48 | 11.45% | 3.52% | -0.24% | 23.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $5.00B | 53.86 | 4.89% | 8.04% | 5.52% | 13.99% |
* Financial Sector Average
TFSL
TFS Financial
17.84
5.57
45.35%
FBP
First Bancorp Puerto Rico
26.33
5.44
26.05%
FULT
Fulton Financial
24.11
5.85
32.05%
RNST
Renasant
42.98
6.45
17.66%
TCBI
Texas Capital Bancshares
103.95
18.81
22.10%
UCB
United Community Banks
35.49
5.25
17.38%
TFS Financial Corporate Events
Business Operations and StrategyExecutive/Board ChangesDividends
TFS Financial Announces Director Retirement and Board Reduction
Positive
May 28, 2026
On May 28, 2026, TFS Financial announced that long-serving director Meredith S. Weil would retire from the Board of Directors effective that day and that her seat would not be filled. The board simultaneously amended the company’s bylaws to ...
Business Operations and StrategyDividendsRegulatory Filings and ComplianceShareholder Meetings
TFS Financial Plans Vote on Dividend Waiver Proposal
Negative
May 26, 2026
On May 26, 2026, TFS Financial said its mutual holding company, Third Federal Savings and Loan Association of Cleveland, MHC, will convene a special member meeting on July 7, 2026, to vote on waiving its right to receive up to $1.27 per share in q...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.