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TFSL stock logo

TFSL

TFS Financial Corporation

$16.69
0.2
 (1.21%)
Exchange:  NASDAQ
Market Cap:  4.68B
Shares Outstanding:  293.167M
Delayed data
Calculate TFSL Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Marc A. Stefanski
Full Time Employees:  919
Address: 
7007 Broadway Avenue
Cleveland
OH
44105
US
Website:  https://www.thirdfederal.com
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 individual retirement accounts, various qualified retirement plans, and certificates of deposit. It also extends a range of lending products, such as residential real estate mortgages, construction financing, home equity loans and lines of credit, alongside options for home purchase mortgages and first mortgage refinancing. Furthermore, TFS Financial provides escrow and settlement services. Established in 1938, the corporation is headquartered in Cleveland, Ohio, where its main office is located. Its operations are further supported by 37 full-service branches and 7 loan production offices distributed throughout Ohio and Florida. TFS Financial Corporation functions as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2015/01/30 — 1 quarter 2015

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue633,348758,776791,960
Gross Profit306,496304,660318,974
EBITDA111,482119,347137,763
Operating Income93,367100,313114,715
Net Income75,25079,58890,959

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets16,917,97917,090,7851,905,837
Total Liabilities14,990,61815,228,16115,562,640
Total Stockholders Equity1,927,3611,862,6241,893,924
Total Debt5,303,4484,789,8424,870,219
Cash and Cash Equivalents466,746463,7181,679

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow90,7228,84045,426
Capital Expenditure-5,10100
Free Cash Flow85,6218,84045,426
Net Income75,25079,58890,959
Net Change in Cash97,182-3,028123

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)367,790.194Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)370,478.805Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)369,134.500Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)79,483.712Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)80,064.752Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)79,774.232Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)103,021.077Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)104,000.232Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)103,510.655Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)90,612.796Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)91,275.192Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)90,943.994Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0.370Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0.370Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.370Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
758.452M  ?P/S
 (TTM)
: 
5.65
?Net Income
 (TTM)
: 
78.162M  ?P/E
 (TTM)
: 
49.22
?Enterprise Value
 (TTM)
: 
9.707B  ?EV/FCF
 (TTM)
: 
118.01
?Dividend Yield
 (TTM)
: 
0.07  ?Payout Ratio
 (TTM)
: 
0.64
?ROE
 (TTM)
: 
0.05  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
4.604B  ?Debt/Equity
 (TTM)
: 
2.67
?P/B
 (TTM)
: 
2.38  ?Current Ratio
 (TTM)
: 
0.05

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
49.09Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates TFSL intrinsic value between $0.47 – $11.10 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about TFSL valuation

Is TFS Financial Corporation (TFSL) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for TFS Financial Corporation (TFSL) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is TFSL a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TFSL trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is TFSL’s P/E ratio?

You can see TFSL’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for TFSL?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is TFSL a good long-term investment?

Whether TFSL fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

TFSL

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.21
MARKETSnap

Trading Metrics:

Open: 16.59   Previous Close: 16.49
Day Low: 16.55   Day High: 16.83
Year Low: 12.54   Year High: 16.83
Price Avg 50: 15.1   Price Avg 200: 14.15
Volume: 972902   Average Volume: 818357

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See in Nexus

Relevant news

Mutual Holding Company for TFS Financial Corporation To Seek Member Approval for Dividend Waivers
26-05-2026 16:15
Mutual Holding Company for TFS Financial Corporation To Seek Member Approval for Dividend Waivers
Compared to Estimates, TFS Financial (TFSL) Q2 Earnings: A Look at Key Metrics
30-04-2026 21:00
Compared to Estimates, TFS Financial (TFSL) Q2 Earnings: A Look at Key Metrics
TFS Financial (NASDAQ:TFSL) Stock Price Passes Above Two Hundred Day Moving Average   – Here’s Why
21-04-2026 03:21
TFS Financial (NASDAQ:TFSL) Stock Price Passes Above Two Hundred Day Moving Average – Here’s Why
Weil Retiring; LaRocca Joins Third Federal
02-04-2026 16:18
Weil Retiring; LaRocca Joins Third Federal

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