TFS Financial (TFSL) Stock Price, News & Analysis

Company Overview

TFS Financial Corporation is the holding company for Third Federal Savings and Loan Association of Cleveland, a federally chartered savings institution headquartered in Cleveland, Ohio. Third Federal serves consumers primarily through retail banking and residential lending activities.

The company offers deposit products such as savings accounts, checking accounts, certificates of deposit and money market accounts. Its lending portfolio is focused mainly on residential real estate, including home purchase and refinance mortgages, home equity loans and lines of credit, and other loans secured by residential property.

Third Federal operates branches in Ohio and Florida and also provides mortgage lending services through additional channels. The institution traces its history to 1938 and has built its business around residential finance and community banking. TFS Financial’s common stock trades on the Nasdaq under the symbol TFSL.

Key Stats

• Today's Range: $17.05 to $17.26
• 50-Day Range: $17.01 to $18.61
• 52-Week Range: $12.53 to $19.49
• Volume: 541,501 shs
• Average Volume: 823,591 shs
• Market Capitalization: $4.79 billion
• P/E Ratio: 47.42
• Dividend Yield: 7.44%
• Price Target: $19.00
• Consensus Rating: Hold

TFS Financial Stock Analysis - MarketRank™

TFS Financial scored higher than 57% of companies evaluated by MarketBeat, and ranked 578th out of 851 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: 2.6 / 5
• Analyst Rating: Hold

Consensus Rating

TFS Financial has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 1 buy rating, 3 hold ratings, and no sell ratings.

Upside Potential

TFS Financial has a consensus price target of $19.00, representing about 10.9% upside from its current price of $17.13.

Amount of Analyst Coverage

TFS Financial has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: 11.11%

Earnings Growth

Earnings for TFS Financial are expected to grow by 11.11% in the coming year, from $0.36 to $0.40 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of TFS Financial is 47.52, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 38.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of TFS Financial is 47.52, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 25.31.

Price to Book Value per Share Ratio

TFS Financial has a P/B Ratio of 2.54. 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

2.80% 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 9.31.

Change versus previous month

Short interest in TFS Financial has recently increased by 0.95%, 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 7.47%, 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 352.78%. 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 317.50% in the coming year. This indicates that TFS Financial may not be able to sustain their current dividend.

News and Social Media

• Score: 4.2 / 5
• News Sentiment: 1.78

News Sentiment

TFS Financial has a news sentiment score of 1.78. 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 is a higher news sentiment than the 0.87 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 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

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

Company Ownership

• Score: 0.9 / 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 $299,475.00 in company stock.

Percentage Held by Insiders

0.72% of the stock of TFS Financial is held by insiders.

Percentage Held by Institutions

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

Company Calendar

• Record date for 6/24 Dividend: 6/10/2026
• Ex-Dividend for 6/24 Dividend: 6/10/2026
• Dividend Payable: 6/24/2026
• Last Earnings: 7/30/2026
• Record date for 9/23 Dividend: 9/09/2026
• Ex-Dividend for 9/23 Dividend: 9/09/2026
• Today: 9/15/2026
• Dividend Payable: 9/23/2026
• Fiscal Year End: 9/30/2026
• Next Earnings (Estimated): 10/29/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:TFSL
• CIK: 1381668
• Web: www.thirdfederal.com
• Phone: (216) 441-6000
• Fax: 216-441-7050
• Employees: 958
• Year Founded: 1938

Price Target and Rating

• Average Price Target for TFS Financial: $19.00
• High Price Target: $20.00
• Low Price Target: $18.00
• Potential Upside/Downside: +11.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.36
• Trailing P/E Ratio: 47.42
• Forward P/E Ratio: 47.42
• P/E Growth: N/A
• Net Income: $90.96 million
• Net Margins: 12.36%
• Pretax Margin: 15.67%
• Return on Equity: 5.32%
• Return on Assets: 0.58%

Debt

• Debt-to-Equity Ratio: 2.97
• Current Ratio: 1.67
• Quick Ratio: 1.66

Sales & Book Value

• Annual Sales: $791.96 million
• Price / Sales: 6.04
• Cash Flow: $0.41 per share
• Price / Cash Flow: 41.88
• Book Value: $6.75 per share
• Price / Book: 2.53

Miscellaneous

• Outstanding Shares: 280,430,000
• Free Float: 278,413,000
• Market Cap: $4.79 billion
• Optionable: Optionable
• Beta: 0.69