TFS Financial Net Income
| TFSL Stock | USD 14.83 0.14 0.94% |
As of the 13th of February 2026, TFS Financial has the coefficient of variation of 1019.72, and Risk Adjusted Performance of 0.0844. In connection with fundamental indicators, the technical analysis model makes it possible for you to check practical technical drivers of TFS Financial, as well as the relationship between them. Please validate TFS Financial jensen alpha and downside variance to decide if TFS Financial is priced adequately, providing market reflects its prevalent price of 14.83 per share. Given that TFS Financial has jensen alpha of 0.0802, we advise you to double-check TFS Financial's current market performance to make sure the company can sustain itself at some point in the future.
TFS Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 27.798 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 104.6 M | 65.2 M | |
| Net Income Applicable To Common Shares | 85.7 M | 61.2 M | |
| Net Income From Continuing Ops | 104.6 M | 100.6 M | |
| Net Income Per Share | 0.29 | 0.17 | |
| Net Income Per E B T | 0.71 | 0.58 |
TFS | Net Income | Build AI portfolio with TFS Stock |
Historical Net Income data for TFS Financial serves as a key indicator of operational performance and financial stability. Tracking changes in this metric over time helps investors spot emerging trends before they become obvious, providing an edge in assessing whether TFS Financial represents a compelling investment opportunity.
Latest TFS Financial's Net Income Growth Pattern
Below is the plot of the Net Income of TFS Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in TFS Financial financial statement analysis. It represents the amount of money remaining after all of TFS Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is TFS Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in TFS Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 90.96 M | 10 Years Trend |
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Net Income |
| Timeline |
TFS Net Income Regression Statistics
| Arithmetic Mean | 71,487,467 | |
| Geometric Mean | 64,613,018 | |
| Coefficient Of Variation | 32.92 | |
| Mean Deviation | 16,365,205 | |
| Median | 79,588,000 | |
| Standard Deviation | 23,531,293 | |
| Sample Variance | 553.7T | |
| Range | 93.1M | |
| R-Value | 0.65 | |
| Mean Square Error | 341.1T | |
| R-Squared | 0.42 | |
| Significance | 0 | |
| Slope | 3,029,007 | |
| Total Sum of Squares | 8859.5T |
TFS Net Income History
Other Fundumenentals of TFS Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
TFS Financial Net Income component correlations
TFS Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for TFS Financial is extremely important. It helps to project a fair market value of TFS Stock properly, considering its historical fundamentals such as Net Income. Since TFS Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of TFS Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of TFS Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of TFS Financial. If investors know TFS will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive TFS Financial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.01) | Dividend Share 1.13 | Earnings Share 0.32 | Revenue Per Share | Quarterly Revenue Growth 0.11 |
Investors evaluate TFS Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating TFS Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause TFS Financial's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between TFS Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if TFS Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, TFS Financial's market price signifies the transaction level at which participants voluntarily complete trades.
TFS Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to TFS Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of TFS Financial.
| 11/15/2025 |
| 02/13/2026 |
If you would invest 0.00 in TFS Financial on November 15, 2025 and sell it all today you would earn a total of 0.00 from holding TFS Financial or generate 0.0% return on investment in TFS Financial over 90 days. TFS Financial is related to or competes with Texas Capital, Fulton Financial, Bancorp, MT Bank, United Community, Inter Co, and Associated Banc. TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States More
TFS Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure TFS Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess TFS Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.64 | |||
| Information Ratio | 0.046 | |||
| Maximum Drawdown | 8.19 | |||
| Value At Risk | (2.76) | |||
| Potential Upside | 2.75 |
TFS Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for TFS Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as TFS Financial's standard deviation. In reality, there are many statistical measures that can use TFS Financial historical prices to predict the future TFS Financial's volatility.| Risk Adjusted Performance | 0.0844 | |||
| Jensen Alpha | 0.0802 | |||
| Total Risk Alpha | 0.007 | |||
| Sortino Ratio | 0.0436 | |||
| Treynor Ratio | 0.1624 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of TFS Financial's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
TFS Financial February 13, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0844 | |||
| Market Risk Adjusted Performance | 0.1724 | |||
| Mean Deviation | 1.17 | |||
| Semi Deviation | 1.47 | |||
| Downside Deviation | 1.64 | |||
| Coefficient Of Variation | 1019.72 | |||
| Standard Deviation | 1.55 | |||
| Variance | 2.4 | |||
| Information Ratio | 0.046 | |||
| Jensen Alpha | 0.0802 | |||
| Total Risk Alpha | 0.007 | |||
| Sortino Ratio | 0.0436 | |||
| Treynor Ratio | 0.1624 | |||
| Maximum Drawdown | 8.19 | |||
| Value At Risk | (2.76) | |||
| Potential Upside | 2.75 | |||
| Downside Variance | 2.68 | |||
| Semi Variance | 2.17 | |||
| Expected Short fall | (1.20) | |||
| Skewness | (0.09) | |||
| Kurtosis | 0.6892 |
TFS Financial Backtested Returns
TFS Financial appears to be very steady, given 3 months investment horizon. TFS Financial owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.15, which indicates the firm had a 0.15 % return per unit of standard deviation over the last 3 months. We have found twenty-eight technical indicators for TFS Financial, which you can use to evaluate the volatility of the company. Please review TFS Financial's coefficient of variation of 1019.72, and Risk Adjusted Performance of 0.0844 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, TFS Financial holds a performance score of 11. The entity has a beta of 0.87, which indicates possible diversification benefits within a given portfolio. TFS Financial returns are very sensitive to returns on the market. As the market goes up or down, TFS Financial is expected to follow. Please check TFS Financial's downside variance, as well as the relationship between the accumulation distribution and price action indicator , to make a quick decision on whether TFS Financial's existing price patterns will revert.
Auto-correlation | 0.32 |
Below average predictability
TFS Financial has below average predictability. Overlapping area represents the amount of predictability between TFS Financial time series from 15th of November 2025 to 30th of December 2025 and 30th of December 2025 to 13th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of TFS Financial price movement. The serial correlation of 0.32 indicates that nearly 32.0% of current TFS Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.32 | |
| Spearman Rank Test | 0.23 | |
| Residual Average | 0.0 | |
| Price Variance | 0.22 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
TFS Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, TFS Financial reported net income of 90.96 M. This is 92.88% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 84.07% higher than that of the company.
TFS Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses TFS Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of TFS Financial could also be used in its relative valuation, which is a method of valuing TFS Financial by comparing valuation metrics of similar companies.TFS Financial is currently under evaluation in net income category among its peers.
TFS Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, TFS Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to TFS Financial's managers, analysts, and investors.Environmental | Governance | Social |
TFS Financial Institutional Holders
Institutional Holdings refers to the ownership stake in TFS Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of TFS Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing TFS Financial's value.| Shares | Bank Of America Corp | 2025-06-30 | 652 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 450.9 K | Norges Bank | 2025-06-30 | 403.1 K | Kestra Investment Management, Llc | 2025-06-30 | 400.5 K | Charles Schwab Investment Management Inc | 2025-06-30 | 311.2 K | Ubs Group Ag | 2025-06-30 | 263 K | Northern Trust Corp | 2025-06-30 | 262.8 K | Ubs Asset Mgmt Americas Inc | 2025-06-30 | 235.4 K | Pathstone Holdings Llc | 2025-06-30 | 231.2 K | Vanguard Group Inc | 2025-06-30 | 5.2 M | Blackrock Inc | 2025-06-30 | 3.6 M |
TFS Fundamentals
| Return On Equity | 0.0476 | ||||
| Return On Asset | 0.0053 | ||||
| Profit Margin | 0.28 % | ||||
| Operating Margin | 0.37 % | ||||
| Current Valuation | 8.7 B | ||||
| Shares Outstanding | 280.57 M | ||||
| Shares Owned By Insiders | 0.48 % | ||||
| Shares Owned By Institutions | 92.57 % | ||||
| Number Of Shares Shorted | 5.62 M | ||||
| Price To Earning | 45.06 X | ||||
| Price To Book | 2.21 X | ||||
| Price To Sales | 12.83 X | ||||
| Revenue | 791.96 M | ||||
| Gross Profit | 327.37 M | ||||
| EBITDA | 137.76 M | ||||
| Net Income | 90.96 M | ||||
| Cash And Equivalents | 387.53 M | ||||
| Cash Per Share | 1.40 X | ||||
| Total Debt | 4.9 B | ||||
| Debt To Equity | 6.77 % | ||||
| Book Value Per Share | 6.82 X | ||||
| Cash Flow From Operations | 82.42 M | ||||
| Short Ratio | 8.61 X | ||||
| Earnings Per Share | 0.32 X | ||||
| Target Price | 14.5 | ||||
| Number Of Employees | 958 | ||||
| Beta | 0.74 | ||||
| Market Capitalization | 4.2 B | ||||
| Total Asset | 17.46 B | ||||
| Retained Earnings | 946.78 M | ||||
| Annual Yield | 0.07 % | ||||
| Five Year Return | 5.82 % | ||||
| Net Asset | 17.46 B | ||||
| Last Dividend Paid | 1.13 |
About TFS Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze TFS Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of TFS Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of TFS Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of TFS Financial. If investors know TFS will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive TFS Financial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.01) | Dividend Share 1.13 | Earnings Share 0.32 | Revenue Per Share | Quarterly Revenue Growth 0.11 |
Investors evaluate TFS Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating TFS Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. External factors like market trends, sector rotation, and investor psychology can cause TFS Financial's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between TFS Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if TFS Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, TFS Financial's market price signifies the transaction level at which participants voluntarily complete trades.