TFS Financial (TFSL) Stock Price, News & Analysis

Company Overview

TFS Financial Corporation is a bank holding company that operates through its wholly owned subsidiary, Trust Company Bank. Headquartered in Macon, Georgia, the company provides a comprehensive range of commercial and retail banking services to individuals, small and middle-market businesses, and nonprofit organizations. Since its formation as a holding company, TFS Financial has focused on building long-term relationships and delivering customized financial solutions to support the diverse needs of its clients.

The company’s core offerings include deposit products such as checking, savings, and money market accounts, along with certificates of deposit and cash management solutions. On the lending side, TFS Financial extends commercial real estate, construction, equipment finance, and working capital loans to businesses across various industries. Consumer lending products include residential mortgages, home equity lines of credit, and personal loans. In addition, the company provides wealth management and trust services, offering investment advisory, estate planning, and fiduciary services through its Trust and Asset Management division.

With a footprint spanning Georgia, Florida, Alabama, Mississippi and South Carolina, TFS Financial has grown both organically and through strategic branch acquisitions. The bank’s commitment to local markets is reflected in its community-focused approach, supporting small business development, affordable housing initiatives and financial literacy programs. Since its origins in the late 19th century as a regional trust company, the organization has expanded its geographic presence and service capabilities while retaining a focus on personalized customer service and strong local governance.

Leadership at TFS Financial emphasizes steady growth, prudent risk management and community engagement. The company is led by President and Chief Executive Officer Clay Creech, whose tenure has overseen significant expansion in core banking services and entry into new market areas. Supported by an experienced senior management team and a board of directors with deep ties to the region, TFS Financial continues to pursue a strategy of balanced growth that prioritizes both financial performance and customer satisfaction.

Key Stats

• Today's Range: $12.96 to $13.16
• 50-Day Range: $12.57 to $13.54
• 52-Week Range: $11.29 to $15.00
• Volume: 305,964 shs
• Average Volume: 303,544 shs
• Market Capitalization: $3.65 billion
• P/E Ratio: 46.43
• Dividend Yield: 8.69%
• Price Target: $15.00
• Consensus Rating: Hold

TFS Financial Stock Analysis - MarketRank™

TFS Financial scored higher than 56% of companies evaluated by MarketBeat, and ranked 528th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.0 / 5
• Analyst Rating: Hold

Consensus Rating

TFS Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

TFS Financial has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: 6.90%

Earnings Growth

Earnings for TFS Financial are expected to grow by 6.90% in the coming year, from $0.29 to $0.31 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of TFS Financial is 46.43, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of TFS Financial is 46.43, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

TFS Financial has a P/B Ratio of 1.96. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

7.09% of the float of TFS Financial has been sold short.

Short Interest Ratio / Days to Cover

TFS Financial has a short interest ratio ("days to cover") of 10.6, which indicates bearish sentiment.

Change versus previous month

Short interest in TFS Financial has recently increased by 3.92%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

TFS Financial is a leading dividend payer. It pays a dividend yield of 8.69%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

TFS Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of TFS Financial is 403.57%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on EPS estimates, TFS Financial will have a dividend payout ratio of 364.52% in the coming year. This indicates that TFS Financial may not be able to sustain their current dividend.

Sustainability and ESG

• Score: 3.6 / 5
• Environmental Score: -0.86

Percentage of Shares Shorted

7.09% of the float of TFS Financial has been sold short.

Short Interest Ratio / Days to Cover

TFS Financial has a short interest ratio ("days to cover") of 10.6, which indicates bearish sentiment.

Change versus previous month

Short interest in TFS Financial has recently increased by 3.92%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.88

News Sentiment

TFS Financial has a news sentiment score of 0.88. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for TFS Financial this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for TFSL on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

1 people have added TFS Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, TFS Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,128,466.00 in company stock.

Percentage Held by Insiders

Only 0.95% of the stock of TFS Financial is held by insiders.

Percentage Held by Institutions

Only 9.81% of the stock of TFS Financial is held by institutions.

TFSL Stock Analysis - Frequently Asked Questions

How have TFSL shares performed this year?

TFS Financial's stock was trading at $12.56 on January 1st, 2025. Since then, TFSL stock has increased by 3.5% and is now trading at $13.00.

How were TFS Financial's earnings last quarter?

TFS Financial Corporation (NASDAQ:TFSL) released its quarterly earnings data on Wednesday, April, 30th. The bank reported $0.07 earnings per share (EPS) for the quarter, meeting the consensus estimate of $0.07. The bank earned $79.12 million during the quarter, compared to analysts' expectations of $69.42 million. TFS Financial had a net margin of 10.57% and a trailing twelve-month return on equity of 4.30%.

Who are TFS Financial's major shareholders?

Top institutional investors of TFS Financial include Parallel Advisors LLC (0.01%). Insiders that own company stock include Cathy W Zbanek, Marc A Stefanski, Meredith S Weil, Bradley T Stefanski, Ashley H Williams, Gavin B Stefanski, Andrew J Rubino, Martin J Cohen, Daniel F Weir, Russell C Holmes, Barbara J Anderson, Anthony J Asher and Timothy W Mulhern.
View institutional ownership trends.

How do I buy shares of TFS Financial?

Shares of TFSL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of TFS Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that TFS Financial investors own include American Water Works (AWK), AU Optronics (AUOTY), Waste Connections (WCN), The RMR Group (RMR), DiamondRock Hospitality (DRH), Humana (HUM) and iShares Micro-Cap ETF (IWC).

Company Calendar

• Last Earnings: 4/30/2025
• Record date for 6/24 Dividend: 6/10/2025
• Ex-Dividend for 6/24 Dividend: 6/10/2025
• Dividend Payable: 6/24/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 9/30/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:TFSL
• CIK: 1381668
• Web: www.thirdfederal.com
• Phone: (216) 441-6000
• Fax: 216-441-7050
• Employees: 1,000
• Year Founded: 1938

Price Target and Rating

• Average Price Target for TFS Financial: $15.00
• High Price Target: $15.00
• Low Price Target: $15.00
• Potential Upside/Downside: +15.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.28
• Trailing P/E Ratio: 46.43
• Forward P/E Ratio: 44.83
• P/E Growth: N/A
• Net Income: $79.59 million
• Net Margins: 10.57%
• Pretax Margin: 13.36%
• Return on Equity: 4.30%
• Return on Assets: 0.48%

Debt

• Debt-to-Equity Ratio: 2.42
• Current Ratio: 1.51
• Quick Ratio: 1.51

Sales & Book Value

• Annual Sales: $758.78 million
• Price / Sales: 4.81
• Cash Flow: $0.35 per share
• Price / Cash Flow: 37.00
• Book Value: $6.64 per share
• Price / Book: 1.96

Miscellaneous

• Outstanding Shares: 280,800,000
• Free Float: 278,131,000
• Market Cap: $3.65 billion
• Optionable: Optionable
• Beta: 0.74