TFS Financial (TFSL) Stock Price, News & Analysis

Company Overview

TFS Financial Inc. is the holding company for Third Federal Savings and Loan Association of Cleveland, a savings and mortgage lender founded in 1938. The company focuses on serving individual and family banking needs.

Third Federal offers residential mortgage loans, home equity loans and lines of credit, along with deposit products such as savings accounts, checking accounts and certificates of deposit. Its lending business centers on home financing.

The company serves customers through a branch network concentrated in Ohio and Florida, as well as through its other banking and lending channels.

Key Stats

• Today's Range: $16.32 to $16.47
• 50-Day Range: $16.07 to $17.57
• 52-Week Range: $13.20 to $19.49
• Volume: 63,583 shs
• Average Volume: 806,497 shs
• Market Capitalization: $4.59 billion
• P/E Ratio: 45.44
• Dividend Yield: 7.75%
• Price Target: $18.00
• Consensus Rating: Hold

TFS Financial Stock Analysis - MarketRank™

TFS Financial scored higher than 33% of companies evaluated by MarketBeat, and ranked 719th out of 852 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: 2.3 / 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/Downside

The consensus price target for TFS Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

TFS Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: 5.26%

Earnings Growth

Earnings for TFS Financial are expected to grow by 5.26% in the coming year, from $0.38 to $0.40 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of TFS Financial is 45.72, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.74.

Price to Earnings Ratio vs. Sector

The P/E ratio of TFS Financial is 45.72, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.69.

Price to Book Value per Share Ratio

TFS Financial has a P/B Ratio of 2.43. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.75% 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 15.12, which indicates bearish sentiment.

Change versus previous month

Short interest in TFS Financial has recently increased by 4.68%, 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 7.72%, 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: 2.8 / 5
• News Sentiment: 0.46

News Sentiment

TFS Financial has a news sentiment score of 0.46. 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 lower news sentiment than the 0.64 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.

MarketBeat Follows

4 people have added TFS Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 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 $180,200.00 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 9/23 Dividend: 9/09/2026
• Ex-Dividend for 9/23 Dividend: 9/09/2026
• Dividend Payable: 9/23/2026
• Last Earnings: 10/29/2026
• Today: 11/13/2026
• Next Earnings (Estimated): 1/28/2027
• Fiscal Year End: 9/30/2027

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: $18.00
• High Price Target: $18.00
• Low Price Target: $18.00
• Potential Upside/Downside: +10.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.36
• Trailing P/E Ratio: 45.53
• Forward P/E Ratio: 40.93
• P/E Growth: N/A
• Net Income: $100.72 million
• Net Margins: 12.00%
• Pretax Margin: 15.67%
• Return on Equity: 5.23%
• Return on Assets: 0.57%

Debt

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

Sales & Book Value

• Annual Sales: $839.24 million
• Price / Sales: 5.47
• Cash Flow: $0.40 per share
• Price / Cash Flow: 40.53
• Book Value: $6.75 per share
• Price / Book: 2.43

Miscellaneous

• Outstanding Shares: 280,430,000
• Free Float: 278,413,000
• Market Cap: $4.59 billion
• Optionable: Optionable
• Beta: 0.71