TFS Financial Corporation (TFSL)
🔔 Watch stock
Stock Watch
Stock Watch will tell you what changes at TFS Financial Corporation.
Later $1 a month per stock — signing up is free, and you'll be the first to know when it launches.
Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 18.40 $ — 98% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 22.3% passed
- More than 10% revenue growth is expected for the coming year 7.0% failed
- Share count grows by less than 3% a year 0.1% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 13.3% failed
- Gross margin at 40% or higher and without meaningful erosion 40.3% failed
- Goodwill from acquisitions does not grow faster than revenue 0.1% passed
- Net debt below twice EBITDA 32.1 x EBITDA failed
- Operating cash flow covers the profits of the last three years -28 m failed
- Return on capital at 15% or higher, or up versus two years ago 1.6% passed
- Insiders hold at least 10% or are net buyers 0.5% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 3.3% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 2
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 09/30/2026 | 0.36 | 0.36 – 0.36 | 348 | 12.5% | 2 |
| 09/30/2027 | 0.39 | 0.38 – 0.40 | 374 | 8.3% | 2 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.08 | 8.10 | 193 | 5.30 | 11.60 | 46 | 45 |
| 2025: Q1 | 0.08 | 1.20 | 193 | 2.00 | 10.90 | 21 | 14 |
| 2025: Q2 | 0.08 | 7.60 | 199 | 3.80 | 10.80 | 27 | 25 |
| 2025: Q3 | 0.09 | 42.60 | 207 | 6.30 | 12.50 | -11 | -13 |
| 2025: Q4 | 0.08 | -2.00 | 206 | 6.50 | 10.80 | 59 | 57 |
| 2026: Q1 | 0.08 | 10.50 | 203 | 5.10 | 11.50 | 18 | 13 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 413 | 122 | 81 | 0.28 | 85 | 1,660 | 12,906 |
| 2017 | 429 | 133 | 89 | 0.32 | 101 | 1,690 | 13,693 |
| 2018 | 465 | 121 | 85 | 0.31 | 92 | 1,758 | 14,137 |
| 2019 | 503 | 102 | 80 | 0.29 | 103 | 1,697 | 14,542 |
| 2020 | 509 | 100 | 83 | 0.30 | 122 | 1,672 | 14,642 |
| 2021 | 445 | 100 | 81 | 0.29 | 83 | 1,732 | 14,057 |
| 2022 | 433 | 92 | 75 | 0.27 | 39 | 1,844 | 15,790 |
| 2023 | 305 | 93 | 75 | 0.27 | 47 | 1,927 | 16,918 |
| 2024 | 759 | 100 | 80 | 0.29 | 89 | 1,863 | 17,091 |
| 2025 | 792 | 115 | 91 | 0.33 | 82 | 1,894 | 17,456 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
TFS Financial Corporation bietet über seine Tochtergesellschaften Privatkundenbankdienstleistungen in den USA an. Das Unternehmen bietet Einlagenprodukte, darunter Spar-, Geldmarkt-, Giro-, individuelle Rentenkonten und andere qualifizierte Vorsorgekonten sowie Einlagenzertifikate.
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 958 |
| Headquarters | Cleveland, OH |
| Address | 7007 Broadway Avenue, 44105 Cleveland, United States |
| Phone | 216 441 6000 |
| Website | thirdfederal.com |
| IPO Date | 23. Apr 2007 |
| ISIN | US87240R1077 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Marc A. Stefanski | Chairman, President & CEO | 1954 |
| Meredith S. Weil | CFO, Corporate Secretary & Treasurer | 1967 |
| Andrew James Rubino | VP & COO | 1976 |
| Cathy W. Zbanek | VP & Chief Synergy Officer of Third Federal Savings and Loan Association of Cleveland | 1973 |
| Bradley T. Stefanski | VP & Chief Strategy Officer of Third Federal Savings and Loan | 1989 |
| Susanne Noel Miller | Chief Accounting Officer | 1966 |
| Timothy W. Mulhern | VP & Chief Innovation Officer of Third Federal Savings and Loan Association of Cleveland | 1967 |
| Gavin B. Stefanski | Chief Experience Officer of Third Federal Savings and Loan | 1989 |
| Deborah L. Hand | Chief Risk Officer | 1975 |
| Sandra M. Long | Chief Consumer Banking Officer of Third Federal Savings and Loan Association of Cleveland | 1970 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.