Should I Buy TFSL? TFSL 2026 Analysis

Should You Buy TFS Financial Corp (TFSL) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

14.530

1 Day change

2.76%

52 Week Range

14.720

Analysis Updated At

2026/01/26

TFS Financial Corp (TFSL) is a good buy for a beginner investor with a long-term investment strategy and $50,000-$100,000 available. The company's strong financial performance, hedge fund interest, and bullish technical indicators make it a solid choice despite the lack of recent news or significant analyst upgrades.

Technical Analysis

The technical indicators are moderately bullish. The MACD is positive and contracting, moving averages are bullish (SMA_5 > SMA_20 > SMA_200), and the RSI is neutral at 49.225. The stock is trading near its pivot level of 14.171, with resistance at 14.558 and support at 13.784.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Technical Summary

Sell

Buy

Positive Catalysts

Hedge fund buying has increased significantly by 613.56% over the last quarter, indicating institutional confidence.
Strong financial performance in Q4 2025, with revenue up 14.84% YoY, net income up 43.28% YoY, and EPS up 50.00% YoY.
Bullish technical indicators suggest potential upward movement.

Neutral/Negative Catalysts

Analysts have a Neutral rating with a price target of $15, citing suboptimal profitability and a less diversified balance sheet.
No recent news or significant insider trading activity to act as a short-term catalyst.

Financial Performance

In Q4 2025, TFS Financial Corp reported a revenue increase of 14.84% YoY to $78.87M, net income growth of 43.28% YoY to $25.62M, and EPS growth of 50% YoY to $0.09. These figures indicate strong financial growth and profitability improvements.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Piper Sandler initiated coverage with a Neutral rating and a $15 price target. The firm acknowledged TFS Financial's improving profitability but noted concerns about its thrift-like balance sheet and lack of diversification.

Analyst Rating

Wall Street analysts forecast TFSL stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TFSL is 0 USD with a low forecast of 0 USD and a high forecast of 0 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.

Buy

Hold

Sell

Current: 14.140

Low

Averages

High

Current: 14.140

Low

Averages

High

Piper Sandler

Hold

initiated

$15

AI Analysis

2026-01-16

Reason

Piper Sandler

Price Target

$15

AI Analysis

2026-01-16

initiated

Hold

Reason

Piper Sandler assumed coverage of TFS Financial with a Neutral rating and $15 price target. The firm notes TFS stands as the largest mutual holding company in the United States and headquartered in Cleveland, Ohio with $17.5B in assets and 38 banking locations across Ohio and Florida. The company specializes in mortgage lending with product offerings across 28 states leading to a thrift-like balance sheet, which it has maintained since completing its first step conversion in 2007. As Piper does not see a second step likely to be completed over the foreseeable future, it does not factor in a FCTBV. The firm's Neutral rating reflects TFS's improving, but still suboptimal, profitability and less diversified balance sheet.

TFSL Should I Buy

TFSL Should I Buy

Should You Buy TFS Financial Corp (TFSL) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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