TFSL
Bearish signalScored 2026-09-09 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
TFS Financial Corporation
- Nom
- TFS Financial Corporation
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $4.7B
- Employés
- 958
- PDG
- Marc A. Stefanski
- Site web
- https://www.thirdfederal.com
- Marché
- CCBGCFBKCFFICPFFISIKRNY
TFS Financial Corporation delivers a comprehensive array of retail banking solutions to individual consumers across the United States. The company's deposit offerings encompass savings, money market, and checking accounts, in addition to individual retirement accounts, various qualified retirement plans, and certificates of deposit. It also extends a range of lending products, such as residential real estate mortgages, construction financing, home equity loans and lines of credit, alongside options for home purchase mortgages and first mortgage refinancing. Furthermore, TFS Financial provides escrow and settlement services. Established in 1938, the corporation is headquartered in Cleveland, Ohio, where its main office is located. Its operations are further supported by 37 full-service branches and 7 loan production offices distributed throughout Ohio and Florida. TFS Financial Corporation functions as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 12 561 titres (~222 306,33 $ US)
- Insiders
- WEIL MEREDITH SAnderson Barbara J.
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$391,706
Avg sell (VWAP, 90d window) $17.36 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-11 | Stefanski Bradley T | Sell · S | 10,000 | $16.94 | $169,400 | Form 4 |
| 2026-09-03 | WEIL MEREDITH S | Sell · S | 5,861 | $17.53 | $102,743 | Form 4 |
| 2026-08-31 | Anderson Barbara J. | Sell · S | 6,100 | $17.83 | $108,763 | Form 4 |
| 2026-08-28 | WEIL MEREDITH S | Sell · S | 600 | $18.00 | $10,800 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-09-09 Drivers: fundamentals. Moteurs : fondamentaux.
The 0-100 score behind this signal and the full written analysis are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.05 · operating margin 14% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-09-30 | 2024-09-30 | 2023-09-30 | 2022-09-30 | 2021-09-30 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 40.3% | 40.2% | 48.4% | 67.0% | 66.6% | |
| Ebit Margin | 14.5% | 13.2% | 14.7% | 21.3% | 22.5% | |
| Ebitda Margin | 17.4% | 15.7% | 17.6% | 27.5% | 29.8% | |
| Operating Profit Margin | 14.5% | 13.2% | 14.7% | 21.3% | 22.5% | |
| Pretax Profit Margin | 14.5% | 13.2% | 14.7% | 21.3% | 22.5% | |
| Continuous Operations Profit Margin | 11.5% | 10.5% | 11.9% | 17.2% | 18.2% | |
| Net Profit Margin | 11.5% | 10.5% | 11.9% | 17.2% | 18.2% | |
| Bottom Line Profit Margin | 11.3% | 10.3% | 11.6% | 16.9% | 17.9% | |
| Current Ratio | 0.052 | 0.103 | 0.109 | 0.096 | 0.104 | |
| Quick Ratio | 0.052 | 0.103 | 0.109 | 0.096 | 0.104 | |
| Solvency Ratio | 0.007 | 0.006 | 0.006 | 0.007 | 0.009 | |
| Cash Ratio | 0.041 | 0.045 | 0.049 | 0.041 | 0.054 | |
| Price To Earnings Ratio | 41.188 | 45.929 | 43.778 | 50.000 | 65.724 | |
| Price To Earnings Growth Ratio | 2.883 | 12.401 | 11.382 | -4.833 | -19.717 | |
| Forward Price To Earnings Growth Ratio | 2.883 | 12.401 | 11.382 | -4.833 | -19.717 | |
| Price To Earnings Diluted Ratio | 41.188 | 45.929 | 45.462 | 50.000 | 65.724 | |
| Price To Earnings Diluted Growth Ratio | 2.883 | 5.971 | 0.000 | -4.833 | -19.717 | |
| Price To Book Ratio | 1.940 | 1.921 | 1.701 | 1.955 | 3.044 | |
| Price To Sales Ratio | 4.638 | 4.715 | 5.178 | 8.325 | 11.861 | |
| Price To Free Cash Flow Ratio | 51.764 | 41.823 | 38.300 | 99.529 | 64.458 | |
| Price To Operating Cash Flow Ratio | 44.571 | 40.377 | 36.147 | 92.626 | 63.421 | |
| Debt To Assets Ratio | 0.281 | 0.282 | 0.313 | 0.305 | 0.223 | |
| Debt To Equity Ratio | 2.588 | 2.589 | 2.752 | 2.615 | 1.809 | |
| Debt To Capital Ratio | 0.721 | 0.721 | 0.733 | 0.723 | 0.644 | |
| Long Term Debt To Capital Ratio | 0.721 | 0.721 | 0.733 | 0.723 | 0.644 | |
| Financial Leverage Ratio | 9.217 | 9.176 | 8.778 | 8.561 | 8.115 | |
| Working Capital Turnover Ratio | -0.083 | -0.086 | -0.076 | -0.053 | -0.054 | |
| Operating Cash Flow Ratio | 0.008 | 0.009 | 0.010 | 0.004 | 0.009 | |
| Operating Cash Flow Sales Ratio | 0.104 | 0.117 | 0.143 | 0.090 | 0.187 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.861 | 0.965 | 0.944 | 0.931 | 0.984 | |
| Debt Service Coverage Ratio | 0.242 | 0.216 | 0.284 | 0.716 | 0.720 | |
| Interest Coverage Ratio | 0.244 | 0.220 | 0.284 | 0.649 | 0.635 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.017 | 0.018 | 0.017 | 0.008 | 0.027 | |
| Capital Expenditure Coverage Ratio | 7.196 | 28.916 | 17.785 | 14.418 | 62.195 | |
| Dividend Paid And Capex Coverage Ratio | 1.161 | 1.429 | 1.431 | 0.638 | 1.434 | |
| Dividend Payout Ratio | 0.655 | 0.741 | 0.775 | 0.782 | 0.699 | |
| Enterprise Value Multiple | 59.120 | 66.489 | 72.801 | 67.675 | 59.691 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 40.3% | ▲0.1% | ▼-12.2% |
| Ebit Margin | 14.5% | ▲1.3% | ▼-2.8% |
| Ebitda Margin | 17.4% | ▲1.7% | ▼-4.2% |
| Operating Profit Margin | 14.5% | ▲1.3% | ▼-2.8% |
| Pretax Profit Margin | 14.5% | ▲1.3% | ▼-2.8% |
| Continuous Operations Profit Margin | 11.5% | ▲1.0% | ▼-2.4% |
| Net Profit Margin | 11.5% | ▲1.0% | ▼-2.4% |
| Bottom Line Profit Margin | 11.3% | ▲1.0% | ▼-2.3% |
| Current Ratio | 0.052 | ▼-0.051 | ▼-0.041 |
| Quick Ratio | 0.052 | ▼-0.051 | ▼-0.041 |
| Solvency Ratio | 0.007 | ▲0.001 | 0.000 |
| Cash Ratio | 0.041 | ▼-0.004 | ▼-0.005 |
| Price To Earnings Ratio | 41.188 | ▼-4.741 | ▼-8.136 |
| Price To Earnings Growth Ratio | 2.883 | ▼-9.518 | ▲2.460 |
| Forward Price To Earnings Growth Ratio | 2.883 | ▼-9.518 | ▲2.460 |
| Price To Earnings Diluted Ratio | 41.188 | ▼-4.741 | ▼-8.473 |
| Price To Earnings Diluted Growth Ratio | 2.883 | ▼-3.088 | ▲6.022 |
| Price To Book Ratio | 1.940 | ▲0.019 | ▼-0.173 |
| Price To Sales Ratio | 4.638 | ▼-0.076 | ▼-2.305 |
| Price To Free Cash Flow Ratio | 51.764 | ▲9.941 | ▼-7.411 |
| Price To Operating Cash Flow Ratio | 44.571 | ▲4.194 | ▼-10.857 |
| Debt To Assets Ratio | 0.281 | ▼-0.001 | ▼-0.000 |
| Debt To Equity Ratio | 2.587 | ▼-0.001 | ▲0.117 |
| Debt To Capital Ratio | 0.721 | ▼-0.000 | ▲0.013 |
| Long Term Debt To Capital Ratio | 0.721 | ▼-0.000 | ▲0.013 |
| Financial Leverage Ratio | 9.217 | ▲0.041 | ▲0.448 |
| Working Capital Turnover Ratio | -0.083 | ▲0.003 | ▼-0.013 |
| Operating Cash Flow Ratio | 0.008 | ▼-0.001 | -0.000 |
| Operating Cash Flow Sales Ratio | 0.104 | ▼-0.013 | ▼-0.024 |
| Free Cash Flow Operating Cash Flow Ratio | 0.861 | ▼-0.104 | ▼-0.076 |
| Debt Service Coverage Ratio | 0.242 | ▲0.026 | ▼-0.194 |
| Interest Coverage Ratio | 0.244 | ▲0.024 | ▼-0.163 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.017 | ▼-0.002 | ▼-0.001 |
| Capital Expenditure Coverage Ratio | 7.196 | ▼-21.720 | ▼-18.906 |
| Dividend Paid And Capex Coverage Ratio | 1.161 | ▼-0.268 | ▼-0.058 |
| Dividend Payout Ratio | 0.654 | ▼-0.086 | ▼-0.076 |
| Enterprise Value Multiple | 59.120 | ▼-7.369 | ▼-6.035 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $3.67B | $3.58B | $3.28B | $3.61B | $5.27B | |
| Enterprise value | $8.14B | $7.94B | $8.12B | $8.06B | $7.92B | |
| EV / Sales | 10.28x | 10.46x | 12.81x | 18.61x | 17.81x | |
| EV / Op. cash flow | 98.82x | 89.56x | 89.46x | 207.03x | 95.23x | |
| EV / Free cash flow | 114.77x | 92.77x | 94.79x | 222.46x | 96.78x | |
| EV / EBITDA | 59.12x | 66.49x | 72.80x | 67.67x | 59.69x | |
| Net debt / EBITDA | 32.45x | 36.51x | 43.38x | 37.40x | 19.94x | |
| Current ratio | 0.05x | 0.10x | 0.11x | 0.10x | 0.10x | |
| Income quality | 0.91x | 1.11x | 1.21x | 0.52x | 1.03x | |
| Graham number | $7 | $7 | $7 | $6 | $6 | |
| Graham net-net | -$54 | -$51 | -$50 | -$47 | -$41 | |
| Tax burden | 79.3% | 79.3% | 80.6% | 81.0% | 80.9% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$9.90B | -$9.15B | -$8.42B | -$8.14B | -$8.14B | |
| Invested capital | -$9.84B | -$9.10B | -$8.38B | -$8.09B | -$8.09B | |
| Return on assets | 0.5% | 0.5% | 0.4% | 0.5% | 0.6% | |
| Operating ROA | 0.7% | 0.6% | 0.6% | 0.6% | 0.7% | |
| Return on tangible assets | 0.5% | 0.5% | 0.4% | 0.5% | 0.6% | |
| Return on equity | 4.8% | 4.3% | 3.9% | 4.0% | 4.7% | |
| Return on invested capital | 1.3% | 1.2% | 1.0% | 1.1% | 1.6% | |
| Return on capital employed | 1.6% | 1.5% | 1.3% | 1.4% | 2.0% | |
| Earnings yield | 2.5% | 2.2% | 2.3% | 2.1% | 1.5% | |
| Free cash flow yield | 1.9% | 2.4% | 2.6% | 1.0% | 1.6% | |
| Capex / Op. cash flow | 13.9% | 3.5% | 5.6% | 6.9% | 1.6% | |
| Capex / Depreciation | 49.7% | 16.1% | 28.2% | 10.0% | 4.1% | |
| Capex / Sales | 1.4% | 0.4% | 0.8% | 0.6% | 0.3% | |
| SG&A / Sales | 17.4% | 18.7% | 23.9% | 32.3% | 30.8% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.2% | 1.3% | 1.6% | 2.5% | 3.1% | |
| Intangibles / Total assets | 0.1% | 0.0% | 0.0% | 0.1% | 0.1% | |
| Days sales outstanding | 29d | 29d | 31d | 34d | 26d | |
| Days payables outstanding | 11d | 19d | 12d | 6d | 5d | |
| Operating cycle | 29d | 29d | 31d | 34d | 26d | |
| Cash conversion cycle | 17d | 10d | 19d | 28d | 21d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-08 55,338 Shares in TFS Financial Corporation $TFSL Acquired by Legal & General Group Plc Legal and General Group Plc bought a new position in TFS Financial Corporation (NASDAQ: TFSL) during the undefined quarter, according to its most recent filing with the SEC. The institutional investor bought 55,338 shares of the bank''s stock, valued at approximately $981,000. Several other large investors have also recently bought and sold shares
- 2026-08-30 Dividend Announcements: August 22-28, 2026 In this article series, I summarize dividend announcements of the past week. This week, 9 stocks announced dividend increases, including 3 stocks I own. INTU stands out for its robust safety metrics, 15% dividend hike, low payout ratios, and a forward-looking 16.16% dividend growth rate, though fair value estimates diverge. LRCX delivered the largest increase (26.92%) and boasts the highest Quality Score, but its yield is minimal at 0.44% and valuation appears stretched.
- 2026-08-27 TFS Financial Corporation Declares Dividend CLEVELAND--(BUSINESS WIRE)--TFS Financial Corporation (NASDAQ: TFSL) (the “Company”), the holding company for Third Federal Savings and Loan Association of Cleveland (the “Association”), today announced that the Board of Directors declared a quarterly cash dividend of $0.3175 per share, payable on September 23, 2026, to stockholders of record on September 9, 2026. Third Federal Savings and Loan Association of Cleveland, MHC (the “MHC”), the mutual holding company of the Company and owner of 227.
- 2026-08-18 TFS Financial: An Ohio Regional Bank With An Earnings Beat And Loan Growth TFS Financial, the parent of Third Federal S&L, gets a buy rating for my first coverage. Key positives include loan growth in recent earnings results, revenue trends and EPS showing durability and resilience. The high dividend yield can help boost the total return, but dividend safety is in question due to the high payout ratio.
- 2026-08-06 TFS Financial (TFSL) is a Great Momentum Stock: Should You Buy? Does TFS Financial (TFSL) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-07-30 TFS Financial (TFSL) Surpasses Q3 Earnings and Revenue Estimates TFS Financial (TFSL) came out with quarterly earnings of $0.11 per share, beating the Zacks Consensus Estimate of $0.08 per share. This compares to earnings of $0.08 per share a year ago.
- 2026-07-30 TFS Financial Delivers Record-Breaking Quarter CLEVELAND--(BUSINESS WIRE)--TFS Financial Corporation (NASDAQ: TFSL) (the "Company", "we", "our"), the holding company for Third Federal Savings and Loan Association of Cleveland (the "Association"), today announced results for the quarter and nine months ended June 30, 2026. “I''m proud to share that Third Federal had record earnings of $30.5 million in the third quarter,” said Chairman and CEO Marc A. Stefanski. “First mortgage originations were more than $600 million; our net interest margin.