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TFS Financial Corporation logo

TFS Financial Corporation

TFSL

NASDAQFinancial ServicesBanks - Regional

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Regular session

$17.8059

+$0.1659 · +0.94%

Aug 24, 11:18 AM ET

TFSL company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Sell

Trim exposure — unfavorable risk-reward

Valuation

9

Overpriced

Momentum

61

Gaining

Sentiment

48

Mixed

Risk resilience

82

Low Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Marc A. Stefanski
Listed since
Apr 23, 2007
Employees
958

Market position

Day range

Current $17.8059

52-week range

Current $17.8059

Open
$17.66
Previous close
$17.64
Volume
156.6K
0.17× average
Average volume
898.29K
Average daily volume
Market cap
4.99B USD
Beta
0.73
Market reference 1
50-day average
$17.6382
+0.95% above average
200-day average
$15.2379
+16.85% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
48.74×
P/B (TTM)
2.54×
P/S (TTM)
6.1×
Dividend yield
6.35%

Profitability & efficiency

Gross margin
41.05%
Operating margin
14.86%
Net margin
12.48%

Financial health

Debt / equity
2.97×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends73%50%27%5%Gross margin, FY2021: 66.55%Gross margin, FY2022: 67.00%Gross margin, FY2023: 48.39%Gross margin, FY2024: 40.15%Gross margin, FY2025: 40.28%Operating margin, FY2021: 22.51%Operating margin, FY2022: 21.25%Operating margin, FY2023: 14.74%Operating margin, FY2024: 13.22%Operating margin, FY2025: 14.48%Net margin, FY2021: 18.22%Net margin, FY2022: 17.22%Net margin, FY2023: 11.88%Net margin, FY2024: 10.49%Net margin, FY2025: 11.49%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 66.55%. Gross margin FY2022 67.00%. Gross margin FY2023 48.39%. Gross margin FY2024 40.15%. Gross margin FY2025 40.28%. Operating margin FY2021 22.51%. Operating margin FY2022 21.25%. Operating margin FY2023 14.74%. Operating margin FY2024 13.22%. Operating margin FY2025 14.48%. Net margin FY2021 18.22%. Net margin FY2022 17.22%. Net margin FY2023 11.88%. Net margin FY2024 10.49%. Net margin FY2025 11.49%.

Income trends

Revenue

791.96M USD+4.37%

Operating income

114.72M USD+14.36%

Net income

90.96M USD+14.29%
Income trends across reported periods863.7M USD576.74M USD289.78M USD2.83M USDRevenue, FY2021: 444.65M USDRevenue, FY2022: 433.14M USDRevenue, FY2023: 633.35M USDRevenue, FY2024: 758.78M USDRevenue, FY2025: 791.96M USDOperating income, FY2021: 100.09M USDOperating income, FY2022: 92.05M USDOperating income, FY2023: 93.37M USDOperating income, FY2024: 100.31M USDOperating income, FY2025: 114.72M USDNet income, FY2021: 81.01M USDNet income, FY2022: 74.57M USDNet income, FY2023: 75.25M USDNet income, FY2024: 79.59M USDNet income, FY2025: 90.96M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 444.65M USD. Revenue FY2022 433.14M USD. Revenue FY2023 633.35M USD. Revenue FY2024 758.78M USD. Revenue FY2025 791.96M USD. Operating income FY2021 100.09M USD. Operating income FY2022 92.05M USD. Operating income FY2023 93.37M USD. Operating income FY2024 100.31M USD. Operating income FY2025 114.72M USD. Net income FY2021 81.01M USD. Net income FY2022 74.57M USD. Net income FY2023 75.25M USD. Net income FY2024 79.59M USD. Net income FY2025 90.96M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue791.96M USD758.78M USD633.35M USD433.14M USD444.65M USD
Cost of goods sold472.99M USD454.12M USD326.85M USD142.94M USD148.72M USD
Gross profit318.97M USD304.66M USD306.5M USD290.2M USD295.93M USD
Selling, general, and administrative137.66M USD142.08M USD151.53M USD139.96M USD137.13M USD
Operating expenses204.26M USD204.35M USD213.13M USD198.15M USD195.84M USD
Interest income763.18M USD734.07M USD611.92M USD409.33M USD389.35M USD
Interest expense470.49M USD455.62M USD328.35M USD141.94M USD157.72M USD
Depreciation and amortization23.05M USD19.03M USD18.12M USD27.04M USD32.57M USD
Operating income114.72M USD100.31M USD93.37M USD92.05M USD100.09M USD
Net income90.96M USD79.59M USD75.25M USD74.57M USD81.01M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 1 miss, 4 met estimates
Average EPS surprise
+11.11%
11 comparable reports
Latest EPS result
0.11
Estimate 0.08 · Beat by 37.50%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.150.120.080.05Q1 '25BeatQ2 '25MetQ3 '25MetQ4 '25BeatQ1 '26MissQ2 '26MetQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 0.08, estimate 0.06, surprise +33.33%, Beat. Q2 2025, reported Apr 30, 2025: actual 0.07, estimate 0.07, surprise 0.00%, Met estimate. Q3 2025, reported Jul 30, 2025: actual 0.08, estimate 0.08, surprise 0.00%, Met estimate. Q4 2025, reported Oct 30, 2025: actual 0.09, estimate 0.08, surprise +12.50%, Beat. Q1 2026, reported Jan 29, 2026: actual 0.08, estimate 0.09, surprise -11.11%, Miss. Q2 2026, reported Apr 30, 2026: actual 0.08, estimate 0.08, surprise 0.00%, Met estimate. Q3 2026, reported Jul 30, 2026: actual 0.11, estimate 0.08, surprise +37.50%, Beat. Q4 2026, reported Oct 29, 2026: actual —, estimate 0.09, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates93.83M84.41M74.98M65.56MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 74.83M USD, estimate 69.17M USD, surprise +8.19%, Beat. Q2 2025, reported Apr 30, 2025: actual 79.12M USD, estimate 69.42M USD, surprise +13.97%, Beat. Q3 2025, reported Jul 30, 2025: actual 82.04M USD, estimate 82.17M USD, surprise -0.15%, Miss. Q4 2025, reported Oct 30, 2025: actual 85.48M USD, estimate 84.41M USD, surprise +1.28%, Beat. Q1 2026, reported Jan 29, 2026: actual 83.73M USD, estimate 85.83M USD, surprise -2.45%, Miss. Q2 2026, reported Apr 30, 2026: actual 85.24M USD, estimate 84.7M USD, surprise +0.64%, Beat. Q3 2026, reported Jul 30, 2026: actual 89.27M USD, estimate 87.05M USD, surprise +2.56%, Beat. Q4 2026, reported Oct 29, 2026: actual —, estimate 90.22M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

4 ratings

Limited analyst sample: 4 ratings. Interpret the distribution with caution.

Strong buy00%
Buy125%
Hold375%
Sell00%
Strong sell00%

TFSL news

seekingalpha.com

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…

Read source
zacks.com

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.

Read source
zacks.com

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.

Read source
businesswire.com

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…

Read source
seekingalpha.com

TFS Financial: The Dividend Looks Better Than The Fundamentals

TFS Financial Corporation appears overvalued with a 48x P/E and 2.3x P/B despite weak profitability metrics. The 7.1% dividend yield is fully priced in and structurally dependent on the mutual holding company's annual…

Read source
businesswire.com

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…

Read source

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ETFs holding TFSL

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
32.84M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$376.74-0.40%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
23.73M
Weight
0.01%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$302.78-0.65%
WisdomTree U.S. SmallCap Dividend Fund logoWisdomTree U.S. SmallCap Dividend FundDES
Market value
22.34M
Weight
1.08%
AUM
2.24B USD
Expense ratio
0.38%
Price / 1D
$40.78-0.12%
Global X - SuperDividend U.S. ETF logoGlobal X - SuperDividend U.S. ETFDIV
Market value
17.84M
Weight
2.26%
AUM
790.81M USD
Expense ratio
0.45%
Price / 1D
$19.82+0.25%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
17.55M
Weight
0.43%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$75.045+0.25%
Global X - SuperDividend ETF logoGlobal X - SuperDividend ETFSDIV
Market value
14.57M
Weight
1.17%
AUM
1.24B USD
Expense ratio
0.58%
Price / 1D
$24.935+0.08%
Vanguard Morningstar Small-Cap Growth ETF logoVanguard Morningstar Small-Cap Growth ETFVBK
Market value
13.62M
Weight
0.03%
AUM
43.8B USD
Expense ratio
0.05%
Price / 1D
$354.33-1.21%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
10.64M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.63-0.78%

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