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TFS Financial(NASDAQ) TFSL

Market Cap$4.91BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2007)+210%
5 Year+32%
1 Year+43%
1 Month-5%
Premium Feature
Moneyball Superscore
49/100
$17.50
+1.10%
+0.19Today
TFS Financial last closing stock price
MetricPriceDate
Last closeUSD 17.502026-08-20
TFS Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.4%USD 17.572026-08-13
1 month-4.63%USD 18.352026-07-21
3 month+11.47%USD 15.702026-05-22
Year to date+35.83%USD 12.882025-12-31
1 year+43.21%USD 12.222025-08-20
3 year+62.72%USD 10.752023-08-21
5 year+32.44%USD 13.212021-08-20
Since inception+209.86%USD 5.592007-04-23

TFS Financial Financials at a Glance

Market Cap

$4.91BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$818.05M

Net Income (TTM)

$102.06M

EPS (TTM)

$0.36

P/E Ratio

48.54

Dividend

$1.13

Beta (Volatility)

0.67 (Low)

Price

$17.50

Volume

261.681

Open

$17.25

Previous Close

$17.50

Daily Range

$17.25 - $17.55

52-Week Range

$12.54 - $19.49

Estimated Earnings Date

Oct 29, 2026

TFSL News

BuyAlert-Purple.png

Investment Manager Bets Big on TFSL, Adds 470,000 Shares, According to Recent SEC Filing

Jake LerchFeb 16, 2026
Dividends spelled out inwooden blocks

3 High-Yield Stocks at Rock-Bottom Prices

James HalleyAug 17, 2020
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How Refinancing Works and Who Benefits

Bram BerkowitzMar 27, 2020
interest rates change adjustable rate mortgage

These Bank Stocks Could Do Well in a Falling Rate Environment

Bram BerkowitzMar 9, 2020
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Could These 3 Banks Be M&A Targets?

Jay JenkinsDec 4, 2014

I’m Back to Buy More of This Stupid Cheap Bank

Jim RoyalJul 24, 2014

Plenty of Upside For TFS Financial, and I’m Buying More

Jim RoyalApr 18, 2014
check

6 Signs of an Investment Worth Banking On

mfqa robinsonApr 5, 2014
Page 1

TFSL: Motley Fool Moneyball Superscore

49

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About TFS Financial

TFS Financial Corporation helps people buy and own homes. It offers safe places for consumers to save their money. The bank provides loans based on existing home values.

Banking and Lending Options

  • Residential Mortgages: Fixed-rate and adjustable-rate loans for purchasing or refinancing primary residences.
  • Home Equity Lines: Flexible credit lines that let homeowners borrow against their property value for various needs.
  • Home Equity Loans: One-time, fixed-rate loans secured by the equity in a borrower's home.
  • Retail Deposits: Savings, checking, money market, and retirement accounts for individual bank customers.
  • Construction Financing: Specialized loans used to fund the building of new residential properties.

Reaching New Markets

  • Expanded lending operations into 26 additional states and the District of Columbia to reduce regional risk.
  • Launched a new core banking operating system in July 2026 to modernize technology.
  • Sold $260.3 million of agency-compliant mortgage loans during the nine months ended June 30, 2026.
  • Repurchased 355,241 shares of common stock at an average price of $14.07 through June 30, 2026.

Why This Bank Is Different

TFS Financial operates as the largest mutually owned savings and loan association in the United States based on total assets. The company maintains a high Common Equity Tier 1 Capital ratio of 16.88%, which exceeds regulatory requirements to be considered well capitalized.

Results by the Numbers

  • Net income rose 41.9% to $30.5 million for the quarter ended June 30, 2026.
  • Total assets reached $18.08 billion for the period ended June 30, 2026, up 3.5% since September 30, 2025.
  • Net interest income hit $81.4 million in the quarter ended June 30, 2026, up from $75.0 million year over year.
  • Retail deposits totaled $9.99 billion as of the period ended June 30, 2026.

Bottom Line

TFS Financial has transitioned from a local Ohio lender into a significant multi-state institution focused on residential mortgages and consumer savings. Its strategy prioritizes high capital levels and conservative credit standards to navigate changing interest rate environments.

AI Generated • Aug 7, 2026

Industry

Banks

Sector

Financials

Employees

958

CEO

Marc A. Stefanski

Website

www.thirdfederal.com

Headquarters

Cleveland, OH 44105, US

TFSL Financials

Key Financial Metrics (TTM)

Gross Margin

41.05%

Operating Margin

14.86%

Net Income Margin

12.48%

Return on Equity

5.32%

Return on Capital

1.69%

Return on Assets

0.56%

Earnings Yield

2.06%

Dividend Yield

6.46%

Payout Ratio

58.60%

Stock Overview

Market Cap

$4.91BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

280.44M

Volume

261.681

Avg. Volume

920.65K

Financials (TTM)

Gross Profit

$335.83M

Operating Income

$121.56M

EBITDA

$150.55M

Operating Cash Flow

$97.80M

Capital Expenditure

-$11.53M

Free Cash Flow

$86.27M

Cash & ST Invst.

$28.62M

Total Debt

$5.81B

TFS Financial Performance Analysis

TFS Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-09-30USD 433,995,000-2.5%
20232023-09-30USD 633,005,00045.9%
20242024-09-30USD 758,452,00019.8%
20252025-09-30USD 792,362,0004.5%
TFS Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-09-304.4%
Q12025-12-31-0.7%
Q22026-03-31-1.4%
Q32026-06-30-0.4%
TFS Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-09-30USD 0.26-8.1%
20232023-09-30USD 0.260.9%
20242024-09-30USD 0.285.9%
20252025-09-30USD 0.3214.2%
TFS Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42025-09-3021.0%
Q12025-12-31-14.1%
Q22026-03-315.6%
Q32026-06-3032.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2026YOY CHG

Revenue

$202.11M

+1.8%

Gross Profit

$81.38M

+1.0%

Gross Margin

40.26%

N/A

Market Cap

$4.91BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$5.12M

N/A

Employees

958

N/A

Net Income

$30.54M

+42.0%

EBITDA

$41.43M

+24.4%

Quarterly Fundamentals

Name
Q3 2026YOY CHG

Total Cash

$28.62M

-94.3%

Total Debt

$5.81B

+18.3%

Accounts Receivable

$63.69M

+5.4%

Inventory

$0.00

N/A

Long Term Debt

$5.81B

+18.3%

Short Term Debt

$0.00

N/A

Return on Assets

0.56%

N/A

Return on Invested Capital

1.51%

N/A

Free Cash Flow

$29.04M

+16.0%

Operating Cash Flow

$32.51M

+21.5%

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Questions About TFSL

What is the current price of TFS Financial?

TFS Financial is trading at $17.50 per share.

What is the 52-week range for TFS Financial?

Over the past 52 weeks, TFS Financial has traded between $12.54 and $19.49.

How much debt does TFS Financial have?

As of the most recent reporting period, TFS Financial reported total debt of $5.81B.

How much cash does TFS Financial have on hand?

TFS Financial does not have cash on hand data available.

What is TFS Financial’s dividend yield?

TFS Financial currently has a dividend yield of 6.46%.

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