TFS Financial (TFSL) Stock Price

TFS Financial Price

NASDAQ·CLOSED
17.59USD-0.27 (-1.52 %)
Market closed

Revenue has compounded at 2.8% per year over the past 19 years to 321.47 M USD. Earnings per share have grown at 2.8% per year over the last 19 years. TFS Financial's net margin stands at 28.3%, broadly stable from 28.2% several years earlier. TFS Financial currently offers a dividend yield of about 6.42%. The payout ratio is around 352% of earnings. The dividend has grown at 10.7% per year over the past 17 years. Analysts set a median price target of 14.79 USD, implying 15.9% below the current price. Of 7 analysts, 0 rate the stock a buy — an overall Sell consensus. The stock trades about 39% above its 52-week low.

TFS Financial stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of TFS Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how TFS Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing TFS Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

TFS Financial Stock Price History
DateTFS Financial Price
8/7/202617.59 USD
8/6/202617.86 USD
8/5/202618.36 USD
8/4/202618.62 USD
8/3/202618.44 USD
7/31/202618.41 USD
7/30/202618.05 USD
7/29/202618.36 USD
7/27/202618.20 USD
7/23/202618.16 USD
7/22/202618.27 USD
7/21/202618.35 USD
7/20/202618.23 USD
7/17/202618.28 USD
7/16/202618.44 USD
7/15/202617.86 USD
7/14/202617.69 USD
7/13/202617.67 USD
7/10/202617.67 USD
7/9/202617.58 USD
7/8/202617.52 USD
7/7/202617.78 USD
7/6/202617.77 USD
7/2/202617.84 USD
7/1/202617.86 USD
6/30/202617.72 USD
6/29/202617.34 USD
6/26/202617.49 USD
6/25/202617.51 USD
6/24/202617.04 USD
6/23/202616.88 USD
6/22/202616.67 USD
6/18/202616.40 USD
6/17/202616.42 USD
6/16/202616.42 USD
6/15/202616.73 USD
6/12/202616.90 USD
6/11/202616.77 USD
6/10/202616.70 USD
6/9/202616.69 USD
6/8/202616.49 USD
6/5/202616.40 USD
6/4/202616.25 USD
6/3/202615.96 USD
6/2/202615.90 USD
6/1/202615.64 USD
5/29/202615.90 USD
5/28/202615.74 USD
5/27/202615.86 USD
5/26/202615.94 USD
5/22/202615.90 USD
5/21/202615.74 USD
5/20/202615.70 USD
5/19/202615.44 USD
5/18/202615.41 USD
5/15/202615.31 USD
5/14/202615.32 USD
5/13/202614.95 USD
5/12/202614.99 USD
5/11/202614.87 USD
5/8/202615.10 USD
5/7/202615.05 USD
5/6/202615.10 USD
5/5/202615.02 USD
5/4/202614.92 USD
5/1/202615.03 USD
4/30/202615.04 USD
4/29/202614.72 USD
4/28/202615.08 USD
4/27/202614.96 USD
4/24/202614.68 USD
4/23/202614.73 USD
4/22/202614.76 USD
4/21/202614.81 USD
4/20/202615.05 USD
4/17/202614.99 USD
4/16/202614.50 USD
4/15/202614.62 USD
4/14/202614.73 USD
4/13/202614.76 USD
4/10/202614.78 USD
4/9/202614.93 USD
4/8/202614.67 USD
4/7/202614.33 USD
4/6/202614.21 USD
4/5/202614.21 USD
4/2/202614.30 USD
4/1/202614.30 USD
3/31/202614.23 USD
3/30/202614.05 USD
3/29/202613.73 USD
3/27/202613.61 USD
3/26/202613.61 USD
3/25/202613.69 USD
3/24/202613.70 USD
3/23/202613.60 USD
3/22/202613.57 USD
3/20/202613.39 USD
3/19/202613.39 USD
3/18/202613.43 USD
3/17/202613.40 USD
3/16/202613.55 USD
3/15/202613.49 USD
3/13/202613.51 USD
3/12/202613.51 USD
3/11/202613.46 USD
3/10/202613.51 USD
3/9/202613.79 USD
3/8/202613.87 USD
3/6/202613.90 USD
3/5/202613.97 USD
3/4/202614.24 USD
3/3/202614.33 USD
3/2/202614.33 USD
2/27/202614.02 USD
2/26/202614.44 USD
2/25/202614.50 USD
2/24/202614.27 USD
2/23/202614.22 USD
2/20/202615.04 USD
2/19/202614.95 USD
2/18/202615.08 USD
2/17/202615.33 USD
2/13/202614.93 USD
2/12/202614.83 USD
2/11/202614.97 USD
2/10/202615.15 USD
2/9/202614.97 USD
2/6/202614.92 USD
2/5/202614.52 USD
2/4/202614.74 USD
2/3/202614.43 USD
2/2/202614.24 USD
1/30/202614.08 USD
1/29/202614.34 USD
1/28/202614.14 USD
1/27/202614.24 USD
1/26/202614.16 USD
1/23/202614.11 USD
1/22/202614.62 USD
1/21/202614.53 USD
1/20/202614.10 USD
1/16/202614.15 USD
1/15/202614.13 USD
1/14/202613.93 USD
1/13/202613.75 USD
1/12/202613.93 USD
1/9/202614.01 USD
1/8/202613.88 USD
1/7/202613.55 USD
1/6/202613.86 USD
1/5/202613.81 USD
1/2/202613.79 USD
12/31/202513.38 USD
12/30/202513.39 USD
12/29/202513.82 USD
12/26/202513.99 USD
12/24/202514.10 USD
12/23/202514.06 USD
12/22/202514.22 USD
12/19/202514.31 USD
12/18/202514.27 USD
12/17/202514.17 USD
12/16/202514.00 USD
12/15/202513.95 USD
12/12/202513.74 USD
12/11/202513.75 USD
12/10/202513.91 USD
12/9/202513.66 USD
12/8/202513.85 USD
12/5/202514.11 USD
12/4/202514.13 USD
12/3/202514.10 USD
12/2/202513.98 USD
12/1/202514.46 USD
11/28/202514.25 USD
11/26/202514.41 USD
11/25/202514.48 USD
11/24/202514.27 USD
11/21/202514.20 USD
11/20/202513.65 USD
11/19/202513.55 USD
11/18/202513.45 USD
11/17/202513.29 USD
11/14/202513.67 USD
11/13/202513.67 USD
11/12/202513.77 USD
11/11/202513.95 USD
11/10/202513.83 USD
11/7/202513.79 USD
11/6/202513.58 USD
11/5/202513.76 USD
11/4/202513.45 USD
11/3/202513.67 USD
10/31/202513.30 USD
10/30/202513.25 USD
10/29/202513.41 USD
10/28/202513.72 USD
10/27/202513.81 USD
10/24/202513.61 USD
10/23/202513.37 USD
10/22/202513.29 USD
10/21/202513.28 USD
10/20/202513.24 USD
10/17/202512.93 USD
10/16/202512.67 USD
10/15/202513.19 USD
10/14/202513.49 USD
10/13/202513.23 USD
10/10/202512.98 USD
10/9/202513.27 USD
10/8/202513.45 USD
10/7/202513.57 USD
10/6/202513.65 USD
10/3/202513.43 USD
10/2/202513.30 USD
10/1/202513.13 USD
9/30/202513.18 USD
9/29/202513.18 USD
9/28/202513.18 USD
9/25/202513.22 USD
9/24/202513.11 USD
9/23/202513.38 USD
9/22/202513.21 USD
9/19/202513.21 USD
9/18/202513.33 USD
9/17/202513.17 USD
9/16/202513.15 USD
9/15/202513.24 USD
9/12/202513.47 USD
9/11/202513.46 USD
9/10/202513.40 USD
9/9/202513.53 USD
9/8/202513.69 USD
9/5/202513.62 USD
9/4/202513.62 USD
9/3/202513.66 USD
9/2/202513.70 USD
8/29/202514.14 USD
8/28/202514.23 USD
8/27/202514.23 USD
8/26/202514.04 USD
8/25/202513.89 USD
8/22/202513.75 USD
8/21/202513.25 USD
8/20/202513.22 USD
8/19/202513.17 USD
8/18/202513.10 USD
8/15/202513.11 USD
8/14/202513.19 USD
8/13/202513.19 USD
8/12/202513.01 USD
8/11/202512.71 USD
Access this data via the Eulerpool API

TFS Financial Revenue, Pre-Provision Profit, Net Income

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  • 5 Years

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  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
295.52 M USD
100.22 M USD
83.32 M USD
Jan 1, 2021
286.93 M USD
91.13 M USD
81.01 M USD
Jan 1, 2022
291.20 M USD
93.10 M USD
74.57 M USD
Jan 1, 2023
305.00 M USD
91.87 M USD
75.25 M USD
Jan 1, 2024
303.16 M USD
98.81 M USD
79.59 M USD
Jan 1, 2025
321.47 M USD
117.22 M USD
90.96 M USD
Jan 1, 2026 (e)
345.14 M USD
0.00 USD
93.72 M USD
Jan 1, 2027 (e)
369.13 M USD
0.00 USD
103.51 M USD

TFS Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 11, 2026, 2:47 AM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
442.00412.00396.00407.00413.00428.00464.00502.00508.00444.00433.00304.00758.00791.00345.00369.00
-3.49-6.79-3.882.781.473.638.418.191.20-12.60-2.48-29.79149.344.35-56.386.96
41.6363.1169.1972.9773.3773.6067.4658.7657.4866.4466.97100.0040.1140.2040.2040.20
184.00260.00274.00297.00303.00315.00313.00295.00292.00295.00290.00304.00304.00318.00138.70148.35
262.20268.60271.40270.13270.42278.90280.94265.42242.27231.63267.40283.57278.46292.69
24.5028.5021.9024.2624.9519.8521.5420.4653.2555.3023.8021.4324.7028.78
102.0037.0019.00-3.00-8.00-17.00-11.00-10.00-9.001.00-1.50-1.502.50
115.60119.40117.80106.39114.37116.35110.1892.19100.2291.1393.1091.8798.81117.22
11.0055.0065.0072.0080.0088.0085.0080.0083.0081.0074.0075.0079.0090.0093.00103.00
22.22400.0018.1810.7711.1110.00-3.41-5.883.75-2.41-8.641.355.3313.923.3310.75
0.280.340.450.590.841.041.121.131.131.131.131.131.131.13
21.4332.3531.1142.3723.817.690.89
302.25301.87296.13286.34280.27277.62277.07277.89278.03278.90278.46279.00279.58283.30283.30283.30
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales TFS Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue TFS Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare TFS Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares TFS Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against TFS Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

TFS Financial stock margins

The TFS Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of TFS Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for TFS Financial.
  • 3 Years

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  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
66.09 %
28.19 %
Jan 1, 2021
68.24 %
28.23 %
Jan 1, 2022
68.03 %
25.61 %
Jan 1, 2023
69.88 %
24.67 %
Jan 1, 2024
67.41 %
26.25 %
Jan 1, 2025
63.54 %
28.29 %
Jan 1, 2026 (e)
0.00 %
27.15 %
Jan 1, 2027 (e)
0.00 %
28.04 %

TFS Financial Revenue per Share, Earnings per Share

The TFS Financial earnings per share therefore indicates how much revenue TFS Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • 25 Years

  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
1.06 USD
0.30 USD
Jan 1, 2021
1.03 USD
0.29 USD
Jan 1, 2022
1.05 USD
0.27 USD
Jan 1, 2023
1.09 USD
0.27 USD
Jan 1, 2024
1.08 USD
0.28 USD
Jan 1, 2025
1.13 USD
0.32 USD
Jan 1, 2026 (e)
1.23 USD
0.34 USD
Jan 1, 2027 (e)
1.32 USD
0.37 USD

TFS Financial business model & stock analysis

TFS Financial Corp is a company based in Cleveland, Ohio that specializes in the banking and finance industry. It was originally founded in 1938 as the Building and Loan Association of Twinsburg and has since become a major financial institution. TFS Financial Corp offers a wide range of financial products and services, including deposit accounts and loans. It also has a division for insurance services. The company operates under three main brands: Third Federal Savings and Loan, Anthem Banking, and Steele Savings Bank, each serving different target markets and offering specific financial products. TFS Financial Corp focuses on asset management, primarily investing in government bonds and mortgage-backed securities. It remains true to its values of ethical banking and supporting home financing. Overall, TFS Financial Corp is an established financial company that provides a variety of services and products to its customers.

TFS Financial SWOT Analysis

Strengths

TFS Financial Corp possesses several strengths that contribute to its success in the market. These strengths include:

  • Strong brand recognition and reputation in the financial industry.
  • Wide portfolio of financial products and services catering to diverse customer needs.
  • Established customer base and long-standing customer relationships.
  • Strong financial position and ability to generate consistent profits.

Weaknesses

Despite its overall success, TFS Financial Corp also experiences certain weaknesses that it needs to address in order to maintain its competitive edge:

  • Reliance on a specific geographic market, limiting potential expansion opportunities.
  • Potential vulnerability to changes in interest rates and economic downturns.
  • Limited diversification of its product offerings compared to larger competitors.

Opportunities

There are several potential opportunities for TFS Financial Corp to explore and leverage for further growth and success:

  • Expansion into new geographic markets to increase customer reach and market share.
  • Development of innovative financial products to meet emerging customer demands.
  • Collaboration with technological advancements to enhance digital banking services.
  • Acquisition or partnership opportunities to increase market presence and diversify offerings.

Threats

TFS Financial Corp faces certain threats that could potentially impact its operations and market position:

  • Intense competition from established financial institutions and new market entrants.
  • Increasing regulatory requirements and compliance costs in the financial industry.
  • Potential cybersecurity risks and data breaches compromising customer trust.
  • Fluctuations in interest rates and economic conditions affecting profitability.

TFS Financial Employees

  • 3 Years

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  • Max

TFS Financial Employees
Details
Date
TFS Financial Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

TFS Financial Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

TFS Financial historical P/E ratio, EBIT multiple, and P/S ratio

TFS Financial annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

TFS Financial shares outstanding

The number of shares of TFS Financial was 283.3 M in 2025. This indicates how many shares TFS Financial is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
278.03 M Stocks
Jan 1, 2021
278.90 M Stocks
Jan 1, 2022
278.46 M Stocks
Jan 1, 2023
279.00 M Stocks
Jan 1, 2024
279.58 M Stocks
Jan 1, 2025
283.30 M Stocks
Jan 1, 2026 (e)
283.30 M Stocks
Jan 1, 2027 (e)
283.30 M Stocks

TFS Financial Dividend History

16 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.57USDYTD
Mar 11, 20260.28USD 0.0%1/2
Jun 10, 20260.28USD 0.0%2/2
20251.13USD 0.0%
Mar 6, 20250.28USD 0.0%1/4
Jun 10, 20250.28USD 0.0%2/4
Sep 10, 20250.28USD 0.0%3/4
Dec 2, 20250.28USD 0.0%4/4
20241.13USD 0.0%
20231.13USD 0.0%
20221.13USD 0.4%
20211.13USD 0.4%
20201.12USD 7.7%
20191.04USD 23.8%
20180.84USD 42.4%
20170.59USD 31.1%

TFS Financial dividend history and estimates

In 2025, TFS Financial paid a dividend amounting to 1.13 USD. Dividend means that TFS Financial distributes a portion of its profits to its owners.
  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
1.12 USD
0.00 USD
Jan 1, 2021
1.13 USD
0.00 USD
Jan 1, 2022
1.13 USD
0.00 USD
Jan 1, 2023
1.13 USD
0.00 USD
Jan 1, 2024
1.13 USD
0.00 USD
Jan 1, 2025
1.13 USD
0.00 USD
Jan 1, 2026 (e)
0.85 USD
0.28 USD
Jan 1, 2027 (e)
0.00 USD
1.13 USD

TFS Financial dividend payout ratio

In 2025, TFS Financial had a payout ratio of 351.95%. The payout ratio indicates the percentage of the company's profits that TFS Financial distributes as dividends.
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  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
373.74 %
Jan 1, 2021
387.33 %
Jan 1, 2022
422.00 %
Jan 1, 2023
418.97 %
Jan 1, 2024
396.95 %
Jan 1, 2025
351.95 %
Jan 1, 2026 (e)
337.31 %
Jan 1, 2027 (e)
306.50 %

Current TFS Financial forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
3.57 %
Buy
0.00 % (0)
Hold
57.14 % (4)
Sell
42.86 % (3)
12M Price Target
14.79
Last Price
17.24
Currency
USD
12M Return Potential
-14.19 %
LTM Return
0 %

TFS Financial Analyst Rating Actions

DateFirmActionRatingReliability
5/4/2026
Piper Sandler
Piper Sandler
MaintainedNeutral51
5/4/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
5/2/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform
8/19/2016
Piper Sandler
Piper Sandler
DowngradeOverweightNeutral51
8/19/2016
PiperJaffray
PiperJaffray
DowngradeOverweightNeutral
12/4/2015
Piper Sandler
Piper Sandler
MaintainedOverweight51
12/4/2015
PiperJaffray
PiperJaffray
MaintainedOverweight
6/5/2015
Piper Sandler
Piper Sandler
MaintainedOverweight51
6/5/2015
PiperJaffray
PiperJaffray
MaintainedOverweight
1/13/2014
Boenning & Scattergood
Boenning & Scattergood
MaintainedOutperform

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

TFS Financial Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/23/20260.08USD-88.79 MUSD-2026 Q3
5/6/20260.08USD-86.40 MUSD-2026 Q2
1/29/20260.09USD-86.67 MUSD-2026 Q1
4/25/20240.05USD-73.86 MUSD-2024 Q2
1/24/20240.06USD-75.12 MUSD-2024 Q1
7/26/20230.08USD-80.75 MUSD-2023 Q3
4/26/20230.08USD-79.92 MUSD-2023 Q2
1/25/20230.08USD-80.66 MUSD-2023 Q1
10/27/20220.08USD-77.22 MUSD-2022 Q4
7/28/20220.06USD-66.14 MUSD-2022 Q3

EESG©

Eulerpool ESG Scorecard© for the TFS Financial stock

13/100
2
Environment
32
Social
6
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees74
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

TFS Financial shareholder structure

% Name
1.33956%
BLACKROCK, INC.
BLACKROCK, INC.
1.10231%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
1.01351%
LAKEWOOD CAPITAL MANAGEMENT, LP
LAKEWOOD CAPITAL MANAGEMENT, LP
0.91132%
RENAISSANCE TECHNOLOGIES LLC
RENAISSANCE TECHNOLOGIES LLC
0.84433%
STATE STREET CORP
STATE STREET CORP
0.84180%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
...

TFS Financial Beneficial Ownership Filings (SEC 13D/G)

Free Float
99.5%
Float Shares
-
Shares Outstanding
-

TFS Financial Executives and Management Board

22 members · avg. age 61 · 32 % women

MS

Mr. Marc Stefanski (70)

Chairman of the Board, President, Chief Executive Officer · since 1987

4.65 M USD

Management

MW

Ms. Meredith Weil (58)

Chief Financial Officer, Treasurer, Secretary, Director · since 2010

1.72 M USD
CZ

Ms. Cathy Zbanek (51)

Vice President and Chief Synergy Officer, Third Federal Savings and Loan

1.47 M USD
AR

Mr. Andrew Rubino (50)

Chief Operating Officer, Vice President

992,963.00 USD
TM

Mr. Timothy Mulhern (58)

Vice President, Chief Innovation Officer of Third Federal Savings and Loan

913,484.00 USD
SM

Ms. Susanne Miller (59)

Chief Accounting Officer

MC

Mr. Michael Carfagna (44)

Chief Information Officer

Board of Directors

AW

Ms. Ashley Williams (41)

Vice Chairman of the Board

161,135.00 USD
WM

Mr. William Mulligan (71)

Independent Director

132,590.00 USD
RF

Mr. Robert Fiala (71)

Independent Director

128,590.00 USD
JR

Mr. John Ringenbach (75)

Independent Director · since 1993

128,090.00 USD
TO

Mr. Terrence Ozan (78)

Independent Director

127,590.00 USD
MC

Mr. Martin Cohen (71)

Independent Director

119,090.00 USD

Frequently asked questions about TFS Financial

TFS Financial Corp's business model revolves around providing various financial services. As a stock holding company, TFS Financial Corp primarily focuses on its subsidiary, the Third Federal Savings and Loan Association. This association operates as a federally chartered savings association, offering residential real estate mortgage lending and retail savings deposit services. TFS Financial Corp aims to assist individuals and families in achieving their home ownership goals by providing mortgage loans with competitive interest rates and flexible terms. Through its business model, TFS Financial Corp strives to be a reliable and customer-centric financial institution in the housing market.

TFS Financial Corp is primarily active in the financial services industry.

The main competitors of TFS Financial Corp in the market are Wells Fargo & Company, Bank of America Corporation, and JPMorgan Chase & Co.

TFS Financial Corp, also known as Third Federal Savings and Loan, is a renowned American financial institution that specializes in providing banking and lending services. Established in 1938, TFS Financial Corp has a rich and extensive history of serving its customers with their financial needs. Over the years, the company has proven to be a reliable and trustworthy partner for individuals and businesses across the country. TFS Financial Corp has steadily grown and expanded its operations, offering a diverse range of products and services, including mortgages, home equity loans, and savings accounts. With a strong commitment to customer satisfaction and financial stability, TFS Financial Corp has firmly established itself as a leading player in the financial industry.

TFS Financial Corp has achieved several significant milestones throughout its history. Firstly, it became a publicly traded company in 2007, allowing investors to participate in its growth. Additionally, the company has consistently demonstrated strong financial performance, with steady revenue growth and increased profitability. TFS Financial Corp also expanded its presence and market share through strategic acquisitions and partnerships. Moreover, the company continued to deliver value to its shareholders by consistently paying dividends. Overall, TFS Financial Corp has successfully positioned itself as a reliable and promising player in the financial services industry.

TFS Financial Corp is primarily present in the United States.

TFS Financial Corp represents values of integrity, transparency, and customer-centric approach. With a strong corporate philosophy grounded in ethical practices, TFS Financial Corp prioritizes the financial well-being of its customers. The company strives to provide superior banking solutions, fostering long-term relationships based on trust and reliability. TFS Financial Corp aims to deliver innovative and personalized services, allowing individuals and businesses to achieve their financial goals efficiently. By prioritizing customer satisfaction and upholding its core values, TFS Financial Corp has established itself as a reputable and trustworthy institute in the stock market.

Analysts currently set an average price target of 14.79 USD for the TFS Financial stock (median: 14.79 USD), implying -14.2 % versus the latest price. The consensus is based on 7 analyst ratings.

7 analysts currently rate the TFS Financial stock: 0 recommend buying, 4 holding and 3 selling. For 2026, analysts expect TFS Financial to generate revenue of 345.14 M USD and earnings per share of 0.33 USD.

Converted at the current exchange rate, the TFS Financial share trades at 15.22 EUR (17.59 USD).

The TFS Financial share (TFSL) is listed on 2 stock exchanges, including: NASDAQ (TFSL), Frankfurt (PWT.F).

TFS Financial Corp is a leading financial services company in the United States based in Cleveland, Ohio. The company offers a wide range of financial products and services for personal and business customers. The company operates a subsidiary, Third Federal Savings and Loan Association (Third Federal), which serves as a lender for mortgage and real estate financing services. Third Federal also offers deposit products, including certificates of deposit, money market accounts, and savings accounts. The company also operates an insurance division called Third Federal Insurance Services, which offers personal injury and liability insurance. However, one of the company's most significant sources of revenue is the sale of mortgage loans on the secondary market. Third Federal is one of the largest providers of mortgage loans in the United States and has an extensive database of loans that it sells to other financial companies. This business model provides TFS Financial Corp with a steady source of income. TFS Financial Corp also offers financial and advisory services for homeowners. The company provides a variety of financial calculator tools, including mortgage calculators that allow users to calculate their mortgage payments based on various criteria. The company has recently introduced a mobile banking app that allows users to access their accounts, make transfers, and conduct transactions via smartphone. This app is developed by third-party developers and provided through a mobile banking solution platform. The company is also committed to expanding its business in the financial technology (FinTech) sector and has recently announced a partnership with a company called Blend Labs, which offers an end-to-end solution for mortgage loan processing. Blend Labs will help TFS Financial Corp optimize the efficient processing of mortgage applications and automate its processes. Overall, TFS Financial Corp's business model is focused on a diversified portfolio of financial products and services. The company aims to drive innovation and expand its technology and digitization strategies to expand its customer base and diversify its sources of revenue. By combining traditional financial services with modern technologies, TFS Financial Corp is well-positioned to succeed in the future.

The expected revenue of TFS Financial is 345.14 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of TFS Financial is 93.72 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of TFS Financial is currently 53.17. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the TFS Financial stock.

The price-to-sales ratio (P/S) of TFS Financial is currently 14.44. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the TFS Financial stock.

The Eulerpool Quality Score for TFS Financial is 4/10.

The ISIN of TFS Financial is US87240R1077. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of TFS Financial is A0MQV6. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of TFS Financial is TFSL. The ticker symbol is used to trade TFS Financial shares on the stock exchange.

Over the past 12 months, TFS Financial paid a dividend of 1.13 USD . This corresponds to a dividend yield of about 6.42 %. For the coming 12 months, TFS Financial is expected to pay a dividend of 1.13 USD.

The current dividend yield of TFS Financial is 6.42 %.

TFS Financial pays a dividend, distributed in the months of , , , .

TFS Financial paid dividends every year for the past 12 years.

For the upcoming 12 months, dividends amounting to 1.13 USD are expected. This corresponds to a dividend yield of 6.45 %.

TFS Financial is assigned to the 'Finance' sector.

To receive the latest dividend of TFS Financial from amounting to 0.28 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, TFS Financial distributed 1.13 USD as dividends.

The dividends of TFS Financial are distributed in USD.