Is TFS Financial Stock a Good Investment?
TFS Financial Investment Advice | TFSL |
- Examine TFS Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research TFS Financial's leadership team and their track record. Good management can help TFS Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact TFS Financial's business and its evolving consumer preferences.
- Compare TFS Financial's performance and market position to its competitors. Analyze how TFS Financial is positioned in terms of product offerings, innovation, and market share.
- Check if TFS Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about TFS Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in TFS Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if TFS Financial is a good investment.
Sell | Buy |
Strong Hold
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Moves indifferently to market moves | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine TFS Financial Stock
Researching TFS Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 91.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.9. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. TFS Financial last dividend was issued on the 10th of June 2025.
To determine if TFS Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding TFS Financial's research are outlined below:
| Over 91.0% of the company shares are owned by institutional investors | |
| On 24th of June 2025 TFS Financial paid $ 0.2825 per share dividend to its current shareholders | |
| Latest headline from news.google.com: TFS Financial Corporation Stock Analysis and Forecast - Superior stock selection - Jammu Links News |
TFS Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in TFS Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to TFS Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 25th of January 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
Earnings surprises can significantly impact TFS Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises TFS Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2012-10-30 | 2012-09-30 | 0.01 | 0.0036 | -0.0064 | 64 | ||
2024-07-30 | 2024-06-30 | 0.06 | 0.07 | 0.01 | 16 | ||
2024-04-30 | 2024-03-31 | 0.06 | 0.07 | 0.01 | 16 | ||
2024-01-30 | 2023-12-31 | 0.06 | 0.07 | 0.01 | 16 | ||
2022-10-27 | 2022-09-30 | 0.08 | 0.09 | 0.01 | 12 | ||
2021-04-29 | 2021-03-31 | 0.07 | 0.08 | 0.01 | 14 | ||
2020-10-29 | 2020-09-30 | 0.06 | 0.05 | -0.01 | 16 | ||
2020-04-30 | 2020-03-31 | 0.05 | 0.06 | 0.01 | 20 |
Know TFS Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as TFS Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading TFS Financial backward and forwards among themselves. TFS Financial's institutional investor refers to the entity that pools money to purchase TFS Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Lakewood Capital Management, Lp | 2025-03-31 | 453 K | Kestra Investment Management, Llc | 2025-03-31 | 417.2 K | Norges Bank | 2024-12-31 | 373.3 K | Fj Capital Management Llc | 2025-03-31 | 362.6 K | Charles Schwab Investment Management Inc | 2025-03-31 | 309.4 K | Morgan Stanley - Brokerage Accounts | 2025-03-31 | 308.8 K | Northern Trust Corp | 2025-03-31 | 295.4 K | Pathstone Holdings Llc | 2025-03-31 | 240.3 K | Hartland & Co | 2025-03-31 | 238 K | Vanguard Group Inc | 2025-03-31 | 5.2 M | Renaissance Technologies Corp | 2025-03-31 | 3.2 M |
TFS Financial's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 3.67 B.Market Cap |
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TFS Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.02 | 0.03 | |
| Return On Equity | 0.04 | 0.03 |
Determining TFS Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if TFS Financial is a good buy. For example, gross profit margin measures TFS Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of TFS Financial's profitability and make more informed investment decisions.
Evaluate TFS Financial's management efficiency
Return On Capital Employed is expected to rise to 0.03 this year, although the value of Return On Tangible Assets will most likely fall to 0. At this time, TFS Financial's Intangibles To Total Assets are quite stable compared to the past year. Debt To Assets is expected to rise to 0.27 this year, although the value of Non Current Assets Total will most likely fall to about 12.7 B. TFS Financial's management efficiency ratios could be used to measure how well TFS Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 6.03 | 4.59 | |
| Tangible Book Value Per Share | 6.00 | 4.58 | |
| Enterprise Value Over EBITDA | 59.84 | 47.67 | |
| Price Book Value Ratio | 2.21 | 2.66 | |
| Enterprise Value Multiple | 59.84 | 47.67 | |
| Price Fair Value | 2.21 | 2.66 | |
| Enterprise Value | 3.7 B | 2.9 B |
Leadership at TFS Financial emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Basic technical analysis of TFS Stock
As of the 19th of July, TFS Financial has the risk adjusted performance of 0.1571, and Coefficient Of Variation of 598.49. In connection with fundamental indicators, the technical analysis model makes it possible for you to check practical technical drivers of TFS Financial, as well as the relationship between them. Please validate TFS Financial jensen alpha and downside variance to decide if TFS Financial is priced adequately, providing market reflects its prevalent price of 13.06 per share. Given that TFS Financial has jensen alpha of 0.0819, we advise you to double-check TFS Financial's current market performance to make sure the company can sustain itself at some point in the future.TFS Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific TFS Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on TFS Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases TFS Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
TFS Financial's Outstanding Corporate Bonds
TFS Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. TFS Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most TFS bonds can be classified according to their maturity, which is the date when TFS Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| BNP Paribas FRN Corp BondUSF1R15XK367 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
Understand TFS Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing TFS Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1571 | |||
| Market Risk Adjusted Performance | 0.2701 | |||
| Mean Deviation | 0.8022 | |||
| Semi Deviation | 0.8133 | |||
| Downside Deviation | 1.1 | |||
| Coefficient Of Variation | 598.49 | |||
| Standard Deviation | 1.05 | |||
| Variance | 1.09 | |||
| Information Ratio | 0.0325 | |||
| Jensen Alpha | 0.0819 | |||
| Total Risk Alpha | 0.0183 | |||
| Sortino Ratio | 0.031 | |||
| Treynor Ratio | 0.2601 | |||
| Maximum Drawdown | 5.22 | |||
| Value At Risk | (1.51) | |||
| Potential Upside | 2.05 | |||
| Downside Variance | 1.2 | |||
| Semi Variance | 0.6614 | |||
| Expected Short fall | (0.84) | |||
| Skewness | 0.0106 | |||
| Kurtosis | 0.3715 |
| Risk Adjusted Performance | 0.1571 | |||
| Market Risk Adjusted Performance | 0.2701 | |||
| Mean Deviation | 0.8022 | |||
| Semi Deviation | 0.8133 | |||
| Downside Deviation | 1.1 | |||
| Coefficient Of Variation | 598.49 | |||
| Standard Deviation | 1.05 | |||
| Variance | 1.09 | |||
| Information Ratio | 0.0325 | |||
| Jensen Alpha | 0.0819 | |||
| Total Risk Alpha | 0.0183 | |||
| Sortino Ratio | 0.031 | |||
| Treynor Ratio | 0.2601 | |||
| Maximum Drawdown | 5.22 | |||
| Value At Risk | (1.51) | |||
| Potential Upside | 2.05 | |||
| Downside Variance | 1.2 | |||
| Semi Variance | 0.6614 | |||
| Expected Short fall | (0.84) | |||
| Skewness | 0.0106 | |||
| Kurtosis | 0.3715 |
Consider TFS Financial's intraday indicators
TFS Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of TFS Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
TFS Financial Corporate Filings
8K | 8th of July 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 18th of June 2025 Other Reports | ViewVerify | |
F4 | 29th of May 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 6th of February 2025 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
TFS Stock media impact
There is far too much social signal, news, headlines, and media speculation about TFS Financial that are available to investors today. This information is accessible both publicly - through TFS Financial's media outlets and privately, via word of mouth or internal channels. However, regardless of the source, the sheer volume of TFS-related data is difficult to distill into actionable insights, especially for investors who are not well-versed in the rapidly evolving tools and techniques of investment management.
A primary focus of TFS Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of TFS Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to TFS Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive TFS Financial alpha.
TFS Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards TFS Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
TFS Financial Historical Investor Sentiment
Investor biases related to TFS Financial's public news can be used to forecast risks associated with an investment in TFS. The trend in average sentiment can be used to explain how an investor holding TFS can time the market purely based on public headlines and social activities around TFS Financial. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
TFS Financial's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for TFS Financial and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average TFS Financial news discussions. The higher the estimate score, the more favorable the investor's outlook on TFS Financial.
TFS Financial Corporate Management
| Cathy Zbanek | Chief Marketing and HR Officer of Third Federal Savings and Loan | Profile | |
| Sandra Long | Chief Cleveland | Profile | |
| Russell Holmes | Chief Cleveland | Profile | |
| Susanne Miller | Chief Officer | Profile | |
| Deborah Hand | Chief Officer | Profile | |
| Kathleen Danckers | Chief Officer | Profile |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in TFS Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state. For more information on how to buy TFS Stock please use our How to buy in TFS Stock guide.You can also try the Portfolio Diagnostics module to use generated alerts and portfolio events aggregator to diagnose current holdings.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of TFS Financial. If investors know TFS will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about TFS Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Dividend Share 1.13 | Earnings Share 0.28 | Revenue Per Share | Quarterly Revenue Growth (0.01) | Return On Assets |
The market value of TFS Financial is measured differently than its book value, which is the value of TFS that is recorded on the company's balance sheet. Investors also form their own opinion of TFS Financial's value that differs from its market value or its book value, called intrinsic value, which is TFS Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because TFS Financial's market value can be influenced by many factors that don't directly affect TFS Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between TFS Financial's value and its price, as these two are different measures arrived at by various means. Investors typically determine if TFS Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, TFS Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.