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TFSL Overview

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ET
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Intellectia

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High
15.120
Open
14.935
VWAP
15.05
Vol
191.52K
Mkt Cap
4.21B
Low
14.935
Amount
2.88M
EV/EBITDA(TTM)
65.69
Total Shares
280.57M
EV
9.12B
EV/OCF(TTM)
34.04
P/S(TTM)
13.86
TFS Financial Corporation is the holding company of Third Federal Savings and Loan Association of Cleveland (Association). The Association is a federally chartered savings and loan association, and its principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. The Association’s principal lending activity is the origination of up to 30-year fixed-rate and adjustable-rate, first mortgage loans to purchase or refinance residential real estate. The Association's loan portfolio includes residential mortgage loans, home equity loans and lines of credit. The Association conducts its operations from its main office in Cleveland, Ohio, and from about 36 additional, full-service branches and two loan production offices located throughout the states of Ohio and Florida. It provides savings products in all 50 states and first mortgage loans, home equity loans and bridge loans in 28 states and the District of Columbia.
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Events Timeline

(ET)
2026-04-02
16:10:00
TFS Financial CFO Weil to Retire in January 2027
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2026-03-25 (ET)
2026-03-25
09:40:00
Third Federal Partners with Clearstead to Offer Wealth Management Services
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2026-01-29 (ET)
2026-01-29
16:20:00
Company's Net Interest Income Increases by $7.4 Million
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2025-10-30 (ET)
2025-10-30
16:23:59
TFS Financial Announces Q4 EPS of 9 Cents, Exceeding Estimate of 8 Cents
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2025-04-30 (ET)
2025-04-30
16:17:22
TFS Financial reports Q2 EPS 7c, consensus 7c
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2025-01-30 (ET)
2025-01-30
15:19:08
TFS Financial reports Q1 EPS 8c vs 7c last year
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News

seekingalpha
5.0
04-02seekingalpha
TFS Financial CFO Meredith Weil to Retire in 2027
  • Executive Transition: TFS Financial announced that CFO Meredith Weil will retire in January 2027, marking a significant change in the company's leadership that could affect investor confidence in future financial management.
  • Successor Appointment: James LaRocca is set to join the company as vice president on June 29, 2026, and is expected to succeed Weil as CFO, bringing extensive financial management experience from his previous role as executive vice president and CFO at Westfield Bank.
  • Strategic Transition: The transition from Weil to LaRocca presents TFS Financial with an opportunity for strategic realignment, which may influence the company's financial strategy and operational efficiency, particularly with LaRocca's potential introduction of new financial management practices.
  • Market Reaction Anticipation: While there has been no immediate market reaction to this executive change, investors are likely to closely monitor LaRocca's onboarding and its potential impact on the company's financial performance.
Newsfilter
5.0
04-02Newsfilter
Third Federal Savings Announces Executive Changes
  • Executive Retirement: Meredith S. Weil will retire in January 2027 after nearly 30 years at Third Federal, where she has served as CFO and Board member since 2014, with her contributions being fundamental to the company's success.
  • New CFO Appointment: James E. LaRocca will join Third Federal as Finance and Accounting Officer on June 29, 2026, and is expected to succeed Weil as CFO upon her retirement, bringing valuable experience from his previous role as CFO at Westfield Bank.
  • Leadership Transition Impact: Weil's extensive management experience has influenced all aspects of Third Federal, and her departure may impact the company's operational and financial strategies, while LaRocca's onboarding introduces fresh perspectives and expertise.
  • Company Overview: Founded in 1938, Third Federal has assets totaling $17.50 billion and is committed to providing competitive savings and mortgage products across 28 states and the District of Columbia, showcasing its strong position in the financial services sector.
Yahoo Finance
9.5
04-02Yahoo Finance
Q3 Performance Analysis of Mortgage Finance Industry
  • Industry Overview: The 14 tracked mortgage finance companies reported a 1.7% year-over-year revenue increase in Q3, but the next quarter's revenue guidance fell 3.9% short of analysts' expectations, indicating significant industry pressures and uncertainties.
  • TFS Financial Performance: TFS Financial reported revenues of $84.48 million, a 14% year-over-year increase that met analysts' expectations, demonstrating the company's ongoing efforts to improve net interest margins and mortgage originations.
  • Ladder Capital's Struggles: Ladder Capital's revenues of $50.47 million represented a 26.4% year-over-year decline, missing analysts' expectations, reflecting a decline in its competitiveness in the commercial real estate loan market.
  • Rocket Companies' Strong Growth: Rocket Companies achieved revenues of $2.44 billion, a 105% year-over-year increase that surpassed analysts' expectations, although its stock has fallen 18.8% since reporting, indicating market concerns about its future prospects.
Newsfilter
7.5
03-25Newsfilter
Third Federal Partners with Clearstead for Wealth Management Services
  • Wealth Management Partnership: Third Federal has partnered with Clearstead Advisory Solutions to offer investment management, retirement guidance, and financial planning services to customers nationwide, addressing the growing demand for wealth management and enhancing clients' financial security.
  • Customer Access Convenience: All Third Federal customers can connect with Clearstead advisors through local branches or customer care, ensuring easy access to tailored wealth management solutions, which is expected to improve customer satisfaction and loyalty.
  • Company Background: Founded in 1938, Third Federal has total assets of $17.46 billion and is dedicated to providing competitive savings and mortgage products while emphasizing a customer-centric service philosophy, further solidifying its market position.
  • Clearstead's Expertise: Clearstead Advisory Solutions manages approximately $62 billion in assets, focusing on providing comprehensive financial planning and investment management services to individual and institutional clients, ensuring that clients can achieve their financial goals and build lasting legacies.
Newsfilter
2.0
03-10Newsfilter
Third Federal Named Among Top 500 US Financial Services for Customer Service
  • Customer Service Recognition: Third Federal has been named among the top 500 financial services companies in the US for customer service in 2026 by USA TODAY and Plant-A Insights, based on a survey of nearly 60,000 customer experiences, highlighting its excellence in professional competence, solution orientation, and transparency.
  • Broad Selection Basis: The initial evaluation considered 13,000 credit unions, banks, life insurers, and fintech firms, with Third Federal's inclusion in the final list underscoring its prominent position in the competitive financial services market and enhancing its brand image.
  • Corporate Mission and Values: Founded in 1938, Third Federal is committed to helping people achieve home ownership and financial security, guided by values of love, trust, respect, excellence, and fun, reflecting its deep commitment to customer service.
  • Business Expansion and Asset Scale: As of September 30, 2025, Third Federal's total assets reached $17.46 billion, operating in 28 states and the District of Columbia, demonstrating its capability in providing competitive rates and outstanding service, which further drives its market share growth.
Yahoo Finance
2.0
03-07Yahoo Finance
TFS Financial Stock Performance Analysis
  • Weak Short-Term Momentum: TFS Financial's current share price of $13.90 reflects a 5.7% return over the past 30 days and only 1.5% over the last 90 days, indicating a potential decline in market confidence that could affect investor sentiment.
  • Strong Long-Term Returns: Despite recent short-term struggles, TFS Financial boasts a 17.1% total shareholder return over one year and a remarkable 39.4% over three years, suggesting that the company remains attractive for investors seeking stable long-term returns.
  • Significantly High P/E Ratio: With a P/E ratio of 43.4x, TFS Financial is trading well above the US banking industry's average of 11.4x and the peer average of 12.4x, raising concerns about whether such a high valuation is justified given the current market conditions.
  • DCF Model Indicates Overvaluation: The discounted cash flow model estimates TFS Financial's future cash flow value at only $1.29 per share, significantly lower than the current price of $13.90, suggesting limited valuation support from cash flows and prompting investors to carefully assess associated risks.

Valuation Metrics

The current forward P/E ratio for TFS Financial Corp (TFSL.O) is 76.92, compared to its 5-year average forward P/E of 61.26. For a more detailed relative valuation and DCF analysis to assess TFS Financial Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
61.26
Current PE
76.92
Overvalued PE
78.36
Undervalued PE
44.16

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
7.23
Current EV/EBITDA
55.06
Overvalued EV/EBITDA
36.93
Undervalued EV/EBITDA
-22.48

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
14.34
Current PS
11.71
Overvalued PS
18.12
Undervalued PS
10.56

Financials

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Whales Holding TFSL

C
Cramer Rosenthal McGlynn LLC
Holding
TFSL
+6.63%
3M Return
T
Third Federal Savings and Loan Association of Cleveland, MHC
Holding
TFSL
+2.84%
3M Return

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Frequently Asked Questions

What is TFS Financial Corp (TFSL) stock price today?

The current price of TFSL is 15.095 USD — it has increased 0.7

What is TFS Financial Corp (TFSL)'s business?

TFS Financial Corporation is the holding company of Third Federal Savings and Loan Association of Cleveland (Association). The Association is a federally chartered savings and loan association, and its principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. The Association’s principal lending activity is the origination of up to 30-year fixed-rate and adjustable-rate, first mortgage loans to purchase or refinance residential real estate. The Association's loan portfolio includes residential mortgage loans, home equity loans and lines of credit. The Association conducts its operations from its main office in Cleveland, Ohio, and from about 36 additional, full-service branches and two loan production offices located throughout the states of Ohio and Florida. It provides savings products in all 50 states and first mortgage loans, home equity loans and bridge loans in 28 states and the District of Columbia.

What is the price predicton of TFSL Stock?

Wall Street analysts forecast TFSL stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for TFSL is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is TFS Financial Corp (TFSL)'s revenue for the last quarter?

TFS Financial Corp revenue for the last quarter amounts to 77.27M USD, increased 13.50

What is TFS Financial Corp (TFSL)'s earnings per share (EPS) for the last quarter?

TFS Financial Corp. EPS for the last quarter amounts to 0.08 USD, decreased 0.00

How many employees does TFS Financial Corp (TFSL). have?

TFS Financial Corp (TFSL) has 958 emplpoyees as of April 20 2026.

What is TFS Financial Corp (TFSL) market cap?

Today TFSL has the market capitalization of 4.21B USD.