Tfs Financial Stock Analysis
| TFSL Stock | USD 14.93 0.10 0.67% |
IPO Date 23rd of April 2007 | 200 Day MA 13.5091 | 50 Day MA 14.1328 | Beta 0.74 |
TFS Financial has over 4.9 Billion in debt which may indicate that it relies heavily on debt financing. At this time, TFS Financial's Net Debt To EBITDA is quite stable compared to the past year. Debt To Equity is expected to rise to 2.45 this year, although the value of Debt To Assets will most likely fall to 0.13. TFS Financial's financial risk is the risk to TFS Financial stockholders that is caused by an increase in debt.
Asset vs Debt
Equity vs Debt
TFS Financial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. TFS Financial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps TFS Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect TFS Financial's stakeholders.
For many companies, including TFS Financial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for TFS Financial, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, TFS Financial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book 2.1888 | Price Sales 12.7985 | Shares Float 50.3 M | Dividend Share 1.13 | Wall Street Target Price 14.5 |
TFS Financial is fairly valued with Real Value of 14.54 and Target Price of 14.5. The main objective of TFS Financial stock analysis is to determine its intrinsic value, which is an estimate of what TFS Financial is worth, separate from its market price. There are two main types of TFS Financial's stock analysis: fundamental analysis and technical analysis.
The TFS Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in TFS Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in producer price index. TFS Stock Analysis Notes
About 93.0% of the company shares are owned by institutional investors. The book value of TFS Financial was at this time reported as 6.82. The company last dividend was issued on the 2nd of December 2025. TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC. Tfs Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1005 people. To find out more about TFS Financial contact Marc Stefanski at 216 441 6000 or learn more at https://www.thirdfederal.com.TFS Financial Investment Alerts
| Over 93.0% of the company shares are owned by institutional investors | |
| Latest headline from kalkinemedia.com: TFS Financial Positioned Across Nasdaq Composite Activity |
TFS Largest EPS Surprises
Earnings surprises can significantly impact TFS Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2012-10-30 | 2012-09-30 | 0.01 | 0.0036 | -0.0064 | 64 | ||
2026-01-29 | 2025-12-31 | 0.09 | 0.08 | -0.01 | 11 | ||
2025-10-30 | 2025-09-30 | 0.08 | 0.09 | 0.01 | 12 |
TFS Financial Environmental, Social, and Governance (ESG) Scores
TFS Financial's ESG score is a quantitative measure that evaluates TFS Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of TFS Financial's operations that may have significant financial implications and affect TFS Financial's stock price as well as guide investors towards more socially responsible investments.
TFS Stock Institutional Investors
Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| 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 Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 4.19 B.TFS Profitablity
The company has Profit Margin (PM) of 0.28 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.37 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.37.| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.02 | 0.03 | |
| Return On Equity | 0.04 | 0.03 |
Management Efficiency
Return On Capital Employed is expected to rise to 0.03 this year, although the value of Return On Tangible Assets will most likely fall to 0. At this time, TFS Financial's Total Current Assets are quite stable compared to the past year. Intangibles To Total Assets is expected to rise to 0.0009 this year, although the value of Non Current Assets Total will most likely fall to about 13 B. TFS Financial's management efficiency ratios could be used to measure how well TFS Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 6.12 | 4.63 | |
| Tangible Book Value Per Share | 6.09 | 4.61 | |
| Enterprise Value Over EBITDA | 53.21 | 47.66 | |
| Price Book Value Ratio | 2.23 | 2.64 | |
| Enterprise Value Multiple | 53.21 | 47.66 | |
| Price Fair Value | 2.23 | 2.64 | |
| Enterprise Value | 7.3 B | 4.1 B |
Leadership at TFS Financial emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Technical Drivers
As of the 15th of February 2026, TFS Financial has the risk adjusted performance of 0.0869, and Coefficient Of Variation of 983.45. 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 14.93 per share. Given that TFS Financial has jensen alpha of 0.0948, 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 Price Movement Analysis
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TFS Financial Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific TFS Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on TFS Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases TFS Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
TFS Financial Outstanding Bonds
TFS Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. TFS Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most TFS bonds can be classified according to their maturity, which is the date when TFS Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
TFS Financial Predictive Daily Indicators
TFS Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of TFS Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
TFS Financial Corporate Filings
F4 | 13th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 12th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 5th of February 2026 An amendment to a previously filed Form 8-K | ViewVerify |
F4 | 4th of February 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 29th of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 14th of January 2026 Other Reports | ViewVerify | |
F4 | 9th of January 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 22nd of December 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
TFS Financial Forecast Models
TFS Financial's time-series forecasting models are one of many TFS Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary TFS Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.TFS Financial Bond Ratings
TFS Financial financial ratings play a critical role in determining how much TFS Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for TFS Financial's borrowing costs.| Piotroski F Score | 6 | Healthy | View |
| Beneish M Score | (2.83) | Unlikely Manipulator | View |
TFS Financial Debt to Cash Allocation
Many companies such as TFS Financial, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
TFS Financial currently holds 4.9 B in liabilities with Debt to Equity (D/E) ratio of 6.77, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about TFS Financial's use of debt, we should always consider it together with its cash and equity.TFS Financial Total Assets Over Time
TFS Financial Assets Financed by Debt
The debt-to-assets ratio shows the degree to which TFS Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.TFS Financial Debt Ratio | 13.0 |
TFS Financial Corporate Bonds Issued
TFS Short Long Term Debt Total
Short Long Term Debt Total |
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About TFS Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how TFS Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling TFS shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as TFS Financial. By using and applying TFS Stock analysis, traders can create a robust methodology for identifying TFS entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.13 | 0.14 | |
| Operating Profit Margin | 0.13 | 0.14 | |
| Net Profit Margin | 0.10 | 0.10 | |
| Gross Profit Margin | 0.36 | 0.40 |
Current TFS Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. TFS analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. TFS analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Consensus | # of Analysts | |
| 14.5 | Hold | 2 | Odds |
Most TFS analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand TFS stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of TFS Financial, talking to its executives and customers, or listening to TFS conference calls.
TFS Stock Analysis Indicators
TFS Financial stock analysis indicators help investors evaluate how TFS Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading TFS Financial shares will generate the highest return on investment. By understating and applying TFS Financial stock analysis, traders can identify TFS Financial position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 463.7 M | |
| Long Term Debt | 4.9 B | |
| Common Stock Shares Outstanding | 279.8 M | |
| Total Stockholder Equity | 1.9 B | |
| Total Cashflows From Investing Activities | -384 M | |
| Tax Provision | 23.8 M | |
| Quarterly Earnings Growth Y O Y | -0.008 | |
| Property Plant And Equipment Net | 40 M | |
| Cash And Short Term Investments | 483.5 M | |
| Cash | 429.4 M | |
| Accounts Payable | 14.7 M | |
| Net Debt | 4.5 B | |
| 50 Day M A | 14.1328 | |
| Total Current Liabilities | 10.4 B | |
| Other Operating Expenses | 677.2 M | |
| Non Current Assets Total | 16.9 B | |
| Non Currrent Assets Other | 674.1 M | |
| Stock Based Compensation | 9.6 M |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in TFS Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in producer price index. For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.You can also try the AI Portfolio Prophet module to use AI to generate optimal portfolios and find profitable investment opportunities.
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.