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Company Analysis

TFS Financial Corporation TFSL

A comprehensive view of key metrics, scores, and financial health for TFS Financial Corporation

Overview of TFS Financial Corporation

TFSL NMS
Financial Services Banks - Regional Mid Cap
TFS Financial Corporation (TFSL), is a Mid Cap company, in the Banks - Regional industry, last closed at $13.51, about 48.0% overvalued vs fair value, +9.5% 1Y return, placing in the top 10% of its sector.
$13.51
0.37%
As of March 13, 2026
Previous close • Vol 90d: 26.9%
52-Week Range
Market Cap
$3.90B
Enterprise Value
$8.43B
Overall Score
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Top Beats
No strong beats yet

Quick Facts

Website https://www.thirdfederal.com
HQ Cleveland, OH
Employees 958
Fiscal year Sep 30

Next Events

Dividend Mar 25
Earnings Apr 30 Estimated

Fair Value Snapshot

Bear Base Bull
$4
$7
$13
Current: $13.51 -48% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$763.2M
4%%
Interest Expense
$470.5M
Net Interest Income
$292.7M
5.1%%
Total Revenue
$321.5M
6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.7%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$63.5M
71.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating TFS Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing TFSL's balance between Growth (22.6%), Profitability (53.8%), and Safety (23.6%). Growth 23% Safety 24% Profitability 54%

Click axes to expand details. Marker shows current allocation.

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Growth

20th percentile vs peers
21
Key Signals
Asset Growth YoY 2.1% 34p Rev Growth YoY 6.0% 15p Revenue CAGR 3Y 3.4% 13p
Strengths
  • Net Profit Margin in top 20% of peers (28.3%, 89th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 20)
  • Rev Growth Yoy in bottom 20% of peers (6.0%)

Profitability

48th percentile vs peers
49
Key Signals
Strengths
Risks
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Safety

21th percentile vs peers
21
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for TFS Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$7.03
- - -
-48.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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