TFS Financial (TFSL) Stock Price, News & Analysis

Company Overview

TFS Financial Corporation is a bank holding company for TFS Capital Bank, headquartered in Austin, Texas. The company offers commercial banking and specialty finance solutions designed to meet the unique needs of small and mid-sized businesses. Through its bank charter, TFS Financial provides a full suite of deposit products alongside a range of lending options tailored to growing enterprises.

The bank’s lending portfolio includes equipment financing, working capital lines of credit, and term loans structured to support capital expenditures and operational needs. TFS Financial places particular emphasis on serving niche sectors such as insurance agencies, professional service firms, manufacturing concerns and select healthcare providers. By combining industry expertise with customized credit structures, the company seeks to build long-term relationships with clients and help them manage cash flow, acquire new assets or undertake strategic expansions.

Operating primarily through a digital delivery platform with a physical presence in Austin, TFS Capital Bank serves customers across the United States. The company is regulated by federal and state banking authorities and maintains risk-management practices designed to ensure asset quality. With a team of banking and finance professionals at the helm, TFS Financial aims to deliver personalized service and flexible financing solutions to support the growth ambitions of its business clients.

Key Stats

• Today's Range: $13.44 to $13.60
• 50-Day Range: $12.61 to $14.23
• 52-Week Range: $11.29 to $14.99
• Volume: 69,509 shs
• Average Volume: 346,679 shs
• Market Capitalization: $3.77 billion
• P/E Ratio: 46.40
• Dividend Yield: 8.41%
• Price Target: $15.00
• Consensus Rating: Hold

TFS Financial Stock Analysis - MarketRank™

TFS Financial scored higher than 66% of companies evaluated by MarketBeat, and ranked 546th out of 925 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: 2.1 / 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, 2 hold ratings, and no sell ratings.

Upside Potential

TFS Financial has a consensus price target of $15.00, representing about 10.7% upside from its current price of $13.55.

Amount of Analyst Coverage

TFS Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 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 46.64, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 234.27.

Price to Earnings Ratio vs. Sector

The P/E ratio of TFS Financial is 46.64, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 30.30.

Price to Book Value per Share Ratio

TFS Financial has a P/B Ratio of 2.04. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.38% 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 10.1, which indicates bearish sentiment.

Change versus previous month

Short interest in TFS Financial has recently decreased by 1.53%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

TFS Financial is a leading dividend payer. It pays a dividend yield of 8.28%, 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 389.66%. 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

1.38% 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 10.1, which indicates bearish sentiment.

Change versus previous month

Short interest in TFS Financial has recently decreased by 1.53%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.68

News Sentiment

TFS Financial has a news sentiment score of 0.68. 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 2 news articles for TFS Financial this week, compared to 2 articles on an average week.

Search Interest

6 people have searched for TFSL on MarketBeat in the last 30 days. This is an increase of 50% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added TFS Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Balanced

Insider Buying vs. Insider Selling

In the past three months, TFS Financial insiders have sold just slightly more of their company's stock than they have bought. Specifically, they have bought $499,570.00 in company stock and sold $516,267.00 in company stock. It is common for insiders to sell company stock at intervals simply to diversify their holdings.

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 7.8% and is now trading at $13.5450.

How were TFS Financial's earnings last quarter?

TFS Financial Corporation (NASDAQ:TFSL) announced its quarterly earnings results on Wednesday, July, 30th. The bank reported $0.08 earnings per share (EPS) for the quarter, hitting the consensus estimate of $0.08. The bank earned $82.04 million during the quarter, compared to the consensus estimate of $80.30 million. TFS Financial had a net margin of 10.67% and a trailing twelve-month return on equity of 4.40%.

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: 7/30/2025
• Record date for 9/24 Dividend: 9/10/2025
• Ex-Dividend for 9/24 Dividend: 9/10/2025
• Dividend Payable: 9/24/2025
• Today: 10/08/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 9/30/2026

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: +11.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.29
• Trailing P/E Ratio: 46.42
• Forward P/E Ratio: 46.45
• P/E Growth: N/A
• Net Income: $79.59 million
• Net Margins: 10.67%
• Pretax Margin: 13.51%
• Return on Equity: 4.40%
• Return on Assets: 0.48%

Debt

• Debt-to-Equity Ratio: 2.59
• Current Ratio: 1.54
• Quick Ratio: 1.54

Sales & Book Value

• Annual Sales: $758.78 million
• Price / Sales: 4.98
• Cash Flow: $0.35 per share
• Price / Cash Flow: 38.85
• Book Value: $6.64 per share
• Price / Book: 2.03

Miscellaneous

• Outstanding Shares: 280,690,000
• Free Float: 278,021,000
• Market Cap: $3.78 billion
• Optionable: Optionable
• Beta: 0.73