Tfs Financial Stock Analysis

TFSL Stock  USD 13.06  0.02  0.15%   
TFS Financial is undervalued with Real Value of 14.27 and Target Price of 14.5. The main objective of TFS Financial stock analysis is to determine its intrinsic value, which is an estimate of what TFS Financial is worth, separate from its market price. There are two main types of TFS Financial's stock analysis: fundamental analysis and technical analysis.
The TFS Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
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.

TFS Stock Analysis Notes

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. TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC. Tfs Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1005 people. To find out more about TFS Financial contact Marc Stefanski at 216 441 6000 or learn more at https://www.thirdfederal.com.

TFS Financial Investment Alerts

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 Upcoming and Recent Events

25th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

TFS Largest EPS Surprises

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.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2012-10-30
2012-09-300.010.0036-0.006464 
2024-07-30
2024-06-300.060.070.0116 
2024-04-30
2024-03-310.060.070.0116 
View All Earnings Estimates

TFS Financial Environmental, Social, and Governance (ESG) Scores

TFS Financial's ESG score is a quantitative measure that evaluates TFS Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of TFS Financial's operations that may have significant financial implications and affect TFS Financial's stock price as well as guide investors towards more socially responsible investments.

TFS Stock Institutional Investors

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, Lp2025-03-31
453 K
Kestra Investment Management, Llc2025-03-31
417.2 K
Norges Bank2024-12-31
373.3 K
Fj Capital Management Llc2025-03-31
362.6 K
Charles Schwab Investment Management Inc2025-03-31
309.4 K
Morgan Stanley - Brokerage Accounts2025-03-31
308.8 K
Northern Trust Corp2025-03-31
295.4 K
Pathstone Holdings Llc2025-03-31
240.3 K
Hartland & Co2025-03-31
238 K
Vanguard Group Inc2025-03-31
5.2 M
Renaissance Technologies Corp2025-03-31
3.2 M
Note, although TFS Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

TFS Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 3.67 B.

TFS Profitablity

The company has Profit Margin (PM) of 0.27 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.39 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.39.
Last ReportedProjected for Next Year
Return On Capital Employed 0.02  0.03 
Return On Equity 0.04  0.03 

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 ReportedProjected 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 Value3.7 B2.9 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.
Dividend Yield
0.0873
Operating Margin
0.3891
Profit Margin
0.2684
Forward Dividend Yield
0.0873
Beta
0.771

Technical Drivers

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 Price Movement Analysis

The output start index for this execution was thirteen with a total number of output elements of fourty-eight. The Simple Moving Average indicator is calculated by adding the closing price of TFS Financial for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out TFS Financial short-term fluctuations and highlight longer-term trends or cycles.

TFS Financial 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.
 
Gavin Stefanski over two months ago
Disposition of 3505 shares by Gavin Stefanski of TFS Financial at 13.47 subject to Rule 16b-3
 
Marc Stefanski over two months ago
Acquisition by Marc Stefanski of 1500 shares of TFS Financial subject to Rule 16b-3
 
Andrew Rubino over two months ago
Disposition of 6000 shares by Andrew Rubino of TFS Financial at 13.61 subject to Rule 16b-3
 
Mulligan William C over three months ago
Disposition of 00 shares by Mulligan William C of TFS Financial subject to Rule 16b-3
 
Cathy Zbanek over three months ago
Disposition of 13395 shares by Cathy Zbanek of TFS Financial subject to Rule 16b-3
 
Asher Anthony J over three months ago
Disposition of 13500 shares by Asher Anthony J of TFS Financial at 12.15 subject to Rule 16b-3
 
Timothy Mulhern over three months ago
Disposition of 5510 shares by Timothy Mulhern of TFS Financial subject to Rule 16b-3
 
Bauer Terrence L. over three months ago
Acquisition by Bauer Terrence L. of 36100 shares of TFS Financial subject to Rule 16b-3
 
Marc Stefanski over three months ago
Disposition of 35000 shares by Marc Stefanski of TFS Financial at 13.12 subject to Rule 16b-3
 
Marc Stefanski over three months ago
Disposition of 35000 shares by Marc Stefanski of TFS Financial at 13.0 subject to Rule 16b-3
 
Marc Stefanski over three months ago
Disposition of 22000 shares by Marc Stefanski of TFS Financial at 13.13 subject to Rule 16b-3
 
Marc Stefanski over three months ago
Disposition of 19445 shares by Marc Stefanski of TFS Financial at 13.28 subject to Rule 16b-3

TFS Financial Outstanding 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.

TFS Financial Predictive Daily 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
F4
13th 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
F4
12th 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
F4
8th 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
F4
6th 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
8K
30th of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

TFS Financial Forecast Models

TFS Financial's time-series forecasting models are one of many TFS Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary TFS Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About TFS Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how TFS Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling TFS shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as TFS Financial. By using and applying TFS Stock analysis, traders can create a robust methodology for identifying TFS entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.12  0.14 
Operating Profit Margin 0.12  0.14 
Net Profit Margin 0.09  0.10 
Gross Profit Margin 0.36  0.40 

Current TFS Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. TFS analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. TFS analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
14.5Hold2Odds
TFS Financial current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most TFS analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand TFS stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of TFS Financial, talking to its executives and customers, or listening to TFS conference calls.
TFS Analyst Advice Details

TFS Stock Analysis Indicators

TFS Financial stock analysis indicators help investors evaluate how TFS Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading TFS Financial shares will generate the highest return on investment. By understating and applying TFS Financial stock analysis, traders can identify TFS Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow466.7 M
Long Term Debt4.8 B
Common Stock Shares Outstanding279.1 M
Total Stockholder Equity1.9 B
Total Cashflows From Investing Activities-124.7 M
Tax Provision20.7 M
Property Plant And Equipment Net33.2 M
Cash And Short Term Investments990 M
Cash463.7 M
Accounts Payable23.2 M
Net Debt4.4 B
50 Day M A13.1726
Total Current Liabilities10.2 B
Other Operating Expenses658.5 M
Non Current Assets Total16 B
Non Currrent Assets Other660.8 M
Stock Based Compensation9.5 M
When determining whether TFS Financial is a strong investment it is important to analyze TFS Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact TFS Financial's future performance. For an informed investment choice regarding TFS Stock, refer to the following important reports:
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 Equity Valuation module to check real value of public entities based on technical and fundamental data.
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
1.092
Quarterly Revenue Growth
(0.01)
Return On Assets
0.0048
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.
Please note, there is a significant difference between TFS Financial's value and its price as these two are different measures arrived at by different 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.