Symbols / TFSL Stock $14.68 -0.34% TFS Financial Corporation

Financial Services • Banks - Regional • United States • NMS
TFSL (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Marc A. Stefanski
Exch · Country NMS · United States
Market Cap 4.12B
Enterprise Value 8.62B
Income 89.34M
Sales 327.37M
FCF (ttm) —
Book/sh 6.82
Cash/sh 1.64
Employees 958
Insider 10d —
IPO Apr 23, 2007
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 3.53%
P/E 45.88
Forward P/E 41.35
PEG 72.62
P/S 12.58
P/B 2.15
P/C —
EV/EBITDA —
EV/Sales 26.33
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 0.32
EPS next Y 0.35
EPS Growth -0.80%
Revenue Growth 11.00%
EPS Gr Q/Q -0.70%
Rev Gr Q/Q —
Earnings (next) 2026-04-30
Earnings (prior) 2026-01-29
ROA 0.53%
ROE 4.76%
ROIC —
Gross Margin 0.00%
Oper. Margin 37.47%
Profit Margin 27.74%
Shs Outstand 280.57M
Shs Float 50.35M
Insider Own 0.46%
Instit Own 93.87%
Short Float 15.40%
Short Ratio 11.32
Short Interest 8.00M
52W High 15.42
vs 52W High -4.80%
52W Low 12.54
vs 52W Low 17.07%
Beta 0.70
Impl. Vol. 54.25%
Rel Volume 0.66
Avg Volume 782.39K
Volume 518.47K
Target (mean) $14.50
Tgt Median $14.50
Tgt Low $14.00
Tgt High $15.00
# Analysts 2
Recom None
Prev Close $14.73
Price $14.68
Change -0.34%
About

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$14.50
Mean price target
2. Current target
$14.68
Latest analyst target
3. DCF / Fair value
$4.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$14.68
Low
$14.00
High
$15.00
Mean
$14.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2024-05-02 reit Keefe, Bruyette & Woods Market Perform → Market Perform $14
2016-08-19 down Piper Sandler Overweight → Neutral —
2015-12-04 main Piper Sandler — → Overweight $21
2015-06-05 init Piper Sandler — → Overweight $17
2014-01-13 init Boenning & Scattergood — → Outperform $14
News
RSS: Latest TFSL news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-12 ASHER ANTHONY J Director — 5,000 $13.37 $66,850
2026-02-20 STEFANSKI GAVIN B Officer — 7,000 $14.97 $104,790
2026-02-17 STEFANSKI MARC A Chief Executive Officer — 37,844 $15.00 $572,081
2026-02-12 STEFANSKI MARC A Chief Executive Officer — 7,156 $15.00 $107,554
2026-02-11 WEIL MEREDITH S Chief Financial Officer — 15,000 $14.95 $224,250
2026-02-03 ANDERSON BARBARA J Director — 11,000 $14.21 $156,310
2025-12-15 STEFANSKI MARC A Chief Executive Officer — 23,500 $0.00 $0
2025-12-15 ASHER ANTHONY J Director — 1,439 $13.89 $19,988
2025-12-12 ASHER ANTHONY J Director — 5,100 $0.00 $0
2025-12-12 WILLIAMS ASHLEY H Director — 7,600 $13.66 $103,816
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Revenue
321.47
+6.04%
303.16
-0.60%
305.00
+4.74%
291.20
Operating Revenue
321.47
+6.04%
303.16
-0.60%
305.00
+4.74%
291.20
Selling General And Administration
142.30
+0.15%
142.08
-6.23%
151.53
+8.26%
139.96
Selling And Marketing Expense
18.63
-5.56%
19.73
-21.97%
25.29
+18.93%
21.26
General And Administrative Expense
123.67
+1.07%
122.35
-3.08%
126.24
+6.35%
118.70
Salaries And Wages
109.50
+1.60%
107.78
-4.44%
112.78
+3.15%
109.34
Reconciled Depreciation
23.05
+21.09%
19.03
+5.07%
18.11
-32.99%
27.04
Net Income
90.96
+14.29%
79.59
+5.76%
75.25
+0.92%
74.56
Pretax Income
114.72
+14.36%
100.31
+7.44%
93.37
+1.43%
92.05
Net Interest Income
292.69
+5.11%
278.46
-1.80%
283.57
+6.05%
267.40
Interest Expense
470.49
+3.26%
455.62
+38.76%
328.35
+131.34%
141.94
Interest Income
763.18
+3.96%
734.07
+19.96%
611.92
+49.49%
409.33
Tax Provision
23.76
+14.62%
20.73
+14.40%
18.12
+3.59%
17.49
Tax Rate For Calcs
0.00
+0.00%
0.00
+6.70%
0.00
+2.11%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
90.96
+14.29%
79.59
+5.76%
75.25
+0.92%
74.56
Net Income From Continuing Operation Net Minority Interest
90.96
+14.29%
79.59
+5.76%
75.25
+0.92%
74.56
Net Income From Continuing And Discontinued Operation
90.96
+14.29%
79.59
+5.76%
75.25
+0.92%
74.56
Net Income Continuous Operations
90.96
+14.29%
79.59
+5.76%
75.25
+0.92%
74.56
Normalized Income
90.96
+14.29%
79.59
+5.76%
75.25
+0.92%
74.56
Net Income Common Stockholders
89.50
+14.51%
78.16
+6.08%
73.68
+0.86%
73.06
Otherunder Preferred Stock Dividend
1.46
+2.24%
1.43
-9.11%
1.57
+3.91%
1.51
Diluted EPS
0.32
+14.29%
0.28
+7.69%
0.26
+0.00%
0.26
Basic EPS
0.32
+14.29%
0.28
+7.69%
0.26
+0.00%
0.26
Basic Average Shares
278.72
+0.19%
278.18
+0.27%
277.44
+0.02%
277.37
Diluted Average Shares
279.76
+0.22%
279.14
+0.20%
278.58
-0.04%
278.69
Diluted NI Availto Com Stockholders
89.50
+14.51%
78.16
+6.08%
73.68
+0.86%
73.06
Insurance And Claims
14.16
-2.79%
14.57
+8.32%
13.45
+43.70%
9.36
Occupancy And Equipment
29.35
+3.66%
28.31
+2.09%
27.73
+3.55%
26.78
Other Non Interest Expense
32.61
-3.95%
33.95
+0.23%
33.87
+7.87%
31.40
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Assets
17,456.32
+2.14%
17,090.78
+1.02%
16,917.98
+7.14%
15,789.88
Cash And Cash Equivalents
429.44
-7.39%
463.72
-0.65%
466.75
+26.30%
369.56
Cash Equivalents
405.26
-7.35%
437.43
-0.04%
437.61
+24.82%
350.60
Cash Financial
24.18
-8.03%
26.29
-9.77%
29.13
+53.65%
18.96
Other Short Term Investments
54.05
-89.73%
526.25
+3.53%
508.32
+11.01%
457.91
Receivables
62.55
+5.31%
59.40
+10.18%
53.91
+33.92%
40.26
Accounts Receivable
62.55
+5.31%
59.40
+10.18%
53.91
+33.92%
40.26
Net PPE
40.02
+20.60%
33.19
-4.38%
34.71
+0.51%
34.53
Gross PPE
156.40
+6.65%
146.65
+1.88%
143.94
+2.13%
140.94
Accumulated Depreciation
-116.38
-2.57%
-113.46
-3.87%
-109.23
-2.66%
-106.41
Land And Improvements
8.62
+0.00%
8.62
+0.10%
8.61
+0.00%
8.61
Buildings And Improvements
62.71
+1.28%
61.92
-0.28%
62.09
+1.27%
61.31
Machinery Furniture Equipment
72.98
+14.84%
63.55
+2.13%
62.23
+3.80%
59.95
Leases
12.09
-3.74%
12.56
+14.02%
11.02
-0.48%
11.07
Goodwill And Other Intangible Assets
8.55
+12.09%
7.63
+3.07%
7.40
-6.84%
7.94
Other Intangible Assets
8.55
+12.09%
7.63
+3.07%
7.40
-6.84%
7.94
Investments And Advances
520.66
-1.06%
526.25
+3.53%
508.32
+11.01%
457.91
Total Liabilities Net Minority Interest
15,562.39
+2.19%
15,228.16
+1.58%
14,990.62
+7.49%
13,945.54
Payables And Accrued Expenses
14.72
-36.51%
23.19
+123.76%
10.36
+363.21%
2.24
Payables
14.72
-36.51%
23.19
+123.76%
10.36
+363.21%
2.24
Accounts Payable
14.72
-36.51%
23.19
+123.76%
10.36
+363.21%
2.24
Current Accrued Expenses
—
—
—
84.14
Long Term Debt And Capital Lease Obligation
4,900.55
+1.64%
4,821.60
-9.09%
5,303.45
+9.96%
4,823.13
Long Term Debt
4,900.55
+1.64%
4,821.60
-9.09%
5,303.45
+9.96%
4,823.13
Stockholders Equity
1,893.92
+1.68%
1,862.62
-3.36%
1,927.36
+4.50%
1,844.34
Common Stock Equity
1,893.92
+1.68%
1,862.62
-3.36%
1,927.36
+4.50%
1,844.34
Capital Stock
3.32
+0.00%
3.32
+0.00%
3.32
+0.00%
3.32
Common Stock
3.32
+0.00%
3.32
+0.00%
3.32
+0.00%
3.32
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
332.32
+0.00%
332.32
+0.00%
332.32
+0.00%
332.32
Ordinary Shares Number
280.59
-0.04%
280.71
+1.10%
277.65
-1.04%
280.58
Treasury Shares Number
51.73
+0.23%
51.61
-5.60%
54.67
+5.67%
51.74
Additional Paid In Capital
1,757.81
+0.20%
1,754.37
-0.04%
1,755.03
+0.22%
1,751.22
Retained Earnings
946.78
+3.42%
915.49
+3.21%
886.98
+1.95%
870.05
Gains Losses Not Affecting Retained Earnings
-21.23
-36.03%
-15.61
-118.32%
85.21
+268.10%
23.15
Treasury Stock
774.34
+0.28%
772.20
-0.50%
776.10
+0.53%
771.99
Other Equity Adjustments
-21.23
-36.03%
-15.61
-118.32%
85.21
+268.10%
23.15
Total Equity Gross Minority Interest
1,893.92
+1.68%
1,862.62
-3.36%
1,927.36
+4.50%
1,844.34
Total Capitalization
6,794.47
+1.65%
6,684.22
-7.56%
7,230.81
+8.45%
6,667.47
Invested Capital
6,794.47
+1.65%
6,684.22
-7.56%
7,230.81
+8.45%
6,667.47
Total Debt
4,900.55
+1.64%
4,821.60
-9.09%
5,303.45
+9.96%
4,823.13
Net Debt
4,471.11
+2.60%
4,357.88
-9.90%
4,836.70
+8.60%
4,453.57
Net Tangible Assets
1,885.38
+1.64%
1,855.00
-3.38%
1,919.96
+4.55%
1,836.40
Tangible Book Value
1,885.38
+1.64%
1,855.00
-3.38%
1,919.96
+4.55%
1,836.40
Available For Sale Securities
466.61
—
—
—
Cash Cash Equivalents And Federal Funds Sold
429.44
-7.39%
463.72
-0.65%
466.75
+26.30%
369.56
Other Equity Interest
-18.42
+19.05%
-22.75
+16.00%
-27.08
+13.79%
-31.42
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Operating Cash Flow
82.42
-6.98%
88.60
-2.34%
90.72
+133.04%
38.93
Cash Flow From Continuing Operating Activities
82.42
-6.98%
88.60
-2.34%
90.72
+133.04%
38.93
Net Income From Continuing Operations
90.96
+14.29%
79.59
+5.76%
75.25
+0.92%
74.56
Depreciation Amortization Depletion
23.05
+21.09%
19.03
+5.07%
18.11
-32.99%
27.04
Depreciation And Amortization
23.05
+21.09%
19.03
+5.07%
18.11
-32.99%
27.04
Other Non Cash Items
-27.56
-2.68%
-26.84
-133.14%
-11.51
+64.35%
-32.29
Stock Based Compensation
9.65
+1.50%
9.50
-4.97%
10.00
-9.17%
11.01
Deferred Tax
1.35
-49.96%
2.70
-27.60%
3.73
+113.89%
-26.88
Deferred Income Tax
1.35
-49.96%
2.70
-27.60%
3.73
+113.89%
-26.88
Operating Gains Losses
-5.34
-94.47%
-2.75
-451.61%
-0.50
+62.19%
-1.32
Change In Working Capital
-12.19
-237.56%
8.86
+409.21%
-2.87
+79.82%
-14.20
Change In Receivables
1.04
+124.14%
-4.30
+89.07%
-39.36
-201.77%
-13.04
Changes In Account Receivables
1.04
+124.14%
-4.30
+89.07%
-39.36
-201.77%
-13.04
Change In Payables And Accrued Expense
-13.22
-200.47%
13.16
-63.93%
36.49
+3259.74%
-1.16
Change In Accrued Expense
-13.22
-200.47%
13.16
-63.93%
36.49
+3259.74%
-1.16
Change In Other Working Capital
—
—
-9.36
-10.95%
-8.43
Investing Cash Flow
-383.98
-207.90%
-124.71
+87.64%
-1,008.63
+46.21%
-1,875.10
Cash Flow From Continuing Investing Activities
-383.98
-207.90%
-124.71
+87.64%
-1,008.63
+46.21%
-1,875.10
Net PPE Purchase And Sale
-11.45
-273.79%
-3.06
+39.93%
-5.10
-120.73%
-2.31
Purchase Of PPE
-11.45
-273.79%
-3.06
+39.93%
-5.10
-88.93%
-2.70
Sale Of PPE
—
0.00
0.00
-100.00%
0.39
Capital Expenditure
-11.45
-273.79%
-3.06
+39.93%
-5.10
-88.93%
-2.70
Net Investment Purchase And Sale
10.00
+22.09%
8.19
+113.41%
-61.10
+29.33%
-86.45
Purchase Of Investment
-160.34
-20.08%
-133.53
+7.70%
-144.66
+42.14%
-250.02
Sale Of Investment
170.34
+20.20%
141.72
+69.58%
83.57
-48.91%
163.57
Net Other Investing Changes
-3.75
-115.75%
23.81
+174.34%
-32.02
+33.00%
-47.80
Financing Cash Flow
267.28
+707.97%
33.08
-96.74%
1,015.09
-40.89%
1,717.40
Cash Flow From Continuing Financing Activities
267.28
+707.97%
33.08
-96.74%
1,015.09
-40.89%
1,717.40
Net Issuance Payments Of Debt
82.58
+117.19%
-480.38
-169.72%
689.02
-52.80%
1,459.79
Issuance Of Debt
226.57
-68.75%
725.00
+107.14%
350.00
-41.67%
600.00
Repayment Of Debt
-427.00
+0.32%
-428.38
-449.37%
-77.98
-412.70%
-15.21
Long Term Debt Issuance
226.57
-68.75%
725.00
+107.14%
350.00
-41.67%
600.00
Long Term Debt Payments
-427.00
+0.32%
-428.38
-449.37%
-77.98
-412.70%
-15.21
Net Long Term Debt Issuance
-200.43
-167.57%
296.62
+9.04%
272.02
-53.48%
584.79
Net Short Term Debt Issuance
283.00
+136.42%
-777.00
-286.33%
417.00
-52.34%
875.00
Net Common Stock Issuance
-3.98
-106.60%
-1.93
+67.80%
-5.98
+4.96%
-6.29
Common Stock Payments
-3.98
-106.60%
-1.93
+67.80%
-5.98
+4.96%
-6.29
Common Stock Dividend Paid
-59.53
-0.98%
-58.95
-1.13%
-58.29
+0.01%
-58.30
Cash Dividends Paid
-59.53
-0.98%
-58.95
-1.13%
-58.29
+0.01%
-58.30
Repurchase Of Capital Stock
-3.98
-106.60%
-1.93
+67.80%
-5.98
+4.96%
-6.29
Proceeds From Stock Option Exercised
—
—
—
—
Net Other Financing Charges
-12.40
+92.15%
-157.99
-265.76%
95.31
-43.84%
169.71
Changes In Cash
-34.28
-1032.07%
-3.03
-103.12%
97.18
+181.83%
-118.76
Beginning Cash Position
463.72
-0.65%
466.75
+26.30%
369.56
-24.32%
488.33
End Cash Position
429.44
-7.39%
463.72
-0.65%
466.75
+26.30%
369.56
Free Cash Flow
70.97
-17.03%
85.54
-0.10%
85.62
+136.33%
36.23
Interest Paid Supplemental Data
529.08
-0.66%
532.61
+46.42%
363.75
+154.70%
142.82
Income Tax Paid Supplemental Data
16.48
+5.10%
15.68
-27.99%
21.78
-45.01%
39.60
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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