TFSL
VENTE TOTALE: 12 561 titres (~222 306,33 $ US)
- Insiders
- WEIL MEREDITH S, Anderson Barbara J.
- Total bought
- —
- Total sold
- $222,306
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-09-09
The 0-100 score behind this signal and the full written analysis are part of Plus. See plans.
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
Valuation
Market cap ▲+2.7%EV / Sales ▼-1.7%EV / EBITDA ▼-11.1%EV / Op. cash flow ▲+9.257Earnings yield ▲+0.003Graham number ▲+0.498
Profitability
Return on equity ▲+0.005Return on assets ▲+0.001Return on invested capital ▲+0.001Return on capital employed ▲+0.002Operating ROA ▲+0.001Income quality ▼-0.207Tax burden -0.000
Efficiency
Days sales outstanding ▲+0.257Days payables outstanding ▼-7.277Operating cycle ▲+0.257Cash conversion cycle ▲+7.533Capex / Sales ▲+0.010R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.051Net debt / EBITDA ▼-4.059Working capital ▼-755219000.000Invested capital ▼-737730000.000Intangibles / Total assets ▲+0.001
Change over 5 years
Valuation
Market cap ▼-30.3%EV / Sales ▼-42.3%EV / EBITDA ▼-1.0%EV / Op. cash flow ▲+3.590Earnings yield ▲+0.009Graham number ▲+0.642
Profitability
Return on equity ▲+0.001Return on assets ▼-0.001Return on invested capital ▼-0.003Return on capital employed ▼-0.004Operating ROA -0.000Income quality ▼-0.120Tax burden ▼-0.016
Efficiency
Days sales outstanding ▲+3.295Days payables outstanding ▲+6.814Operating cycle ▲+3.295Cash conversion cycle ▼-3.519Capex / Sales ▲+0.011R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.051Net debt / EBITDA ▲+12.517Working capital ▼-1759901000.000Invested capital ▼-1747959000.000Intangibles / Total assets +0.000
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
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.