Should I Buy TFSL? TFSL 2026 Analysis

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

Conclusion

Hold

Latest Price

13.790

1 Day change

-0.58%

52 Week Range

15.420

Analysis Updated At

2026/03/06

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TFS Financial Corp (TFSL) is not a strong buy at the moment for a beginner investor with a long-term strategy. While the company has shown revenue growth and consistent dividend payouts, its profitability remains suboptimal, and technical indicators suggest a bearish trend. Additionally, insider selling and a neutral analyst rating further weaken the case for immediate investment.

Technical Analysis

The MACD histogram is negative (-0.116) and expanding downward, indicating a bearish trend. RSI is at 28.262, close to oversold territory but still neutral. Moving averages are converging, showing no clear trend. Key support is at 13.691, with resistance at 14.929. The stock is trading near its support level.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Technical Summary

Sell

Buy

Positive Catalysts

Consistent dividend payout of $0.2825 per share. Hedge funds are significantly increasing their buying activity (+613.56% over the last quarter).

Neutral/Negative Catalysts

Insider selling has increased by 312.24% in the last month. Analysts have a Neutral rating with concerns about profitability and balance sheet diversification. Technical indicators suggest a bearish trend.

Financial Performance

In Q1 2026, revenue increased by 13.50% YoY to $77.27M, but net income dropped slightly by -0.74% YoY to $21.91M. EPS remained flat at 0.08 YoY. Gross margin showed no improvement.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Piper Sandler initiated coverage with a Neutral rating and a $15 price target, citing concerns about suboptimal profitability and a less diversified balance sheet. They do not anticipate a second-step conversion in the foreseeable future.

Analyst Rating

Wall Street analysts forecast TFSL stock price to rise

Buy

Hold

Sell

Current: 13.870

Low

Averages

High

Current: 13.870

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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