Tfs Financial Stock Today

TFSL Stock  USD 14.97  0.18  1.19%   

Performance

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Odds Of Distress

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Low
TFS Financial is selling for 14.97 as of the 12th of February 2026. This is a 1.19% down since the beginning of the trading day. The stock's lowest day price was 14.87. TFS Financial has less than a 9 % chance of experiencing financial distress in the next few years but had a somewhat fair performance during the last 90 days. The performance scores are derived for the period starting the 14th of November 2025 and ending today, the 12th of February 2026. Click here to learn more.
Business Domain
Banks
IPO Date
23rd of April 2007
Category
Financial Services
Classification
Financials
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. The company has 280.57 M outstanding shares of which 5.3 M shares are at this time shorted by private and institutional investors with about 8.61 trading days to cover. More on TFS Financial

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Follow Valuation Options Odds of Bankruptcy
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TFS Stock Highlights

ESG Sustainability
Environmental
Governance
Social
ChairmanMarc Stefanski
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, Nasdaq Bank, NASDAQ Composite, NASDAQ Financial 100, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00360.0047
Significantly Down
Pretty Stable
Asset Turnover0.04470.0522
Fairly Down
Slightly volatile
Gross Profit Margin0.40.36
Moderately Up
Pretty Stable
Total Current Liabilities9.4 B12 B
Significantly Down
Slightly volatile
Non Current Liabilities Total6.2 B5.9 B
Sufficiently Up
Slightly volatile
Total Assets13.7 B20.1 B
Way Down
Slightly volatile
Total Current Assets713.4 M627.9 M
Moderately Up
Pretty Stable
Debt Levels
By employing borrowed capital, TFS Financial can potentially magnify investment returns. Examining the debt-to-assets ratio offers investors perspective on TFS Financial's use of financial leverage and reveals what portion of TFS Financial's asset base relies on creditor financing.
Liquidity
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.

Other Non Cash Items

(36.71 Million)
TFS Financial (TFSL) is traded on NASDAQ Exchange in USA and employs 958 people. TFS Financial is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a current market capitalization of 4.2 B. TFS Financial conducts business under Banks sector and is part of Financials industry. The entity has 280.57 M outstanding shares of which 5.3 M shares are at this time shorted by private and institutional investors with about 8.61 trading days to cover. TFS Financial currently holds about 387.53 M in cash with 82.42 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 1.4.
Check TFS Financial Probability Of Bankruptcy
Ownership Allocation
TFS Financial shows a total of 280.57 Million outstanding shares. The majority of TFS Financial outstanding shares are owned by institutional holders. These institutional investors are usually referred to as non-private investors looking to take positions in TFS Financial to benefit from reduced commissions. Therefore, institutions are subject to a different set of regulations than regular investors in TFS Financial. Please pay attention to any change in the institutional holdings of TFS Financial as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.
Check TFS Ownership Details

TFS Stock Institutional Holders

InstituionRecorded OnShares
Bank Of America Corp2025-06-30
652 K
Morgan Stanley - Brokerage Accounts2025-06-30
450.9 K
Norges Bank2025-06-30
403.1 K
Kestra Investment Management, Llc2025-06-30
400.5 K
Charles Schwab Investment Management Inc2025-06-30
311.2 K
Ubs Group Ag2025-06-30
263 K
Northern Trust Corp2025-06-30
262.8 K
Ubs Asset Mgmt Americas Inc2025-06-30
235.4 K
Pathstone Holdings Llc2025-06-30
231.2 K
Vanguard Group Inc2025-06-30
5.2 M
Blackrock Inc2025-06-30
3.6 M
View TFS Financial Diagnostics

TFS Financial Historical Income Statement

At this time, TFS Financial's Interest Expense is quite stable compared to the past year. Cost Of Revenue is expected to rise to about 447 M this year, although the value of Gross Profit will most likely fall to about 267.4 M. View More Fundamentals

TFS Stock Against Markets

TFS Financial Corporate Management

Cathy ZbanekChief Marketing and HR Officer of Third Federal Savings and LoanProfile
Sandra LongChief ClevelandProfile
Susanne MillerChief OfficerProfile
Kathleen DanckersChief OfficerProfile
Timothy MulhernChief OfficerProfile
Russell HolmesChief ClevelandProfile
When determining whether TFS Financial is a strong investment it is important to analyze TFS Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact TFS Financial's future performance. For an informed investment choice regarding TFS Stock, refer to the following important reports:
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 Portfolio Backtesting module to avoid under-diversification and over-optimization by backtesting your portfolios.
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
1.174
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.