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Home CompaniesTFS Financial Corporation

TFS Financial Corporation

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
16.43 USD 0.00(0%)
Last update at 2026-11-06T21:00:00Z
VOLUME
695238
Market Cap
4787.16M
P/E
47.42

Momentum Score

…

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
16.26
Low
16.55
High
52 Week Price Range
11.62
Low
19.13
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
16.43
Dividend Yield
6.60%
Revenue TTM
347.23M
Revenue Per Share
1.25
Gross Profit TTM
347.23M
Debt / Equity
2.59
ROE
5.31%
Net Debt
4471.11M
ROCE
1.64%
Diluted EPS TTM
0.36

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Income before tax 114.72M 100.31M 93.37M 92.05M 100.09M
Net income 90.96M 79.59M 75.25M 74.56M 81.01M
Selling general administrative 119.03M 122.35M 126.24M 118.70M 117.95M
Selling and marketing expenses 18.63M 19.73M 25.29M 21.26M 19.17M
Gross profit 318.97M 304.66M 305.00M 291.20M 286.93M
Reconciled depreciation 23.05M 19.03M - 27.04M 32.57M
Ebit 114.72M 100.31M - 233.99M 100.09M
Ebitda 137.76M 119.35M 93.37M 261.03M 132.66M
Depreciation and amortization 23.05M 19.03M - 27.04M 32.57M
Operating income 114.72M 100.31M 93.37M 233.99M 100.09M
Other operating expenses 677.25M 658.46M 211.63M 57.21M 186.84M
Interest expense 470.49M 455.62M 328.35M 141.94M 157.72M
Tax provision 23.76M 20.73M 18.12M 17.49M 19.09M
Interest income 763.18M 734.07M 611.92M 409.33M 389.35M
Net interest income 292.69M 278.46M 283.57M 267.40M 231.63M
Income tax expense 23.76M 20.73M 18.12M 17.49M 19.09M
Total revenue 791.96M 758.78M 305.00M 291.20M 286.93M
Total operating expenses 204.26M 204.35M -211.63M -57.21M -186.84M
Cost of revenue 472.99M 454.12M - - -
Total other income expense net - - - -141.94M -157.72M
Net income from continuing ops 90.96M 79.59M 75.25M 74.56M 81.01M
Net income applicable to common shares - - - 74.56M 81.01M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Total assets 17456.32M 17090.78M 16917.73M 15790.20M 14057.45M
Intangible assets 8.55M 7.63M 7.40M 7.94M 8.94M
Other current assets 477.88M 523.29M - 49.92M 12648.09M
Total liab 15562.39M 15228.16M 5273.64M 13945.86M 12325.17M
Total stockholder equity 1893.92M 1862.62M 1927.36M 1844.34M 1732.28M
Other current liab 10432.25M 10171.89M - -2.24M -1.85M
Common stock 3.32M 3.32M 3.32M 3.32M 3.32M
Capital stock 3.32M 3.32M 3.32M 3.32M 3.32M
Retained earnings 946.78M 915.49M 886.98M 870.05M 853.66M
Other liab - - - 117.25M 109.63M
Good will 9.73M 9.73M - - -
Other assets 1900.23M 16598.08M 15338.31M 14422.09M 12648.09M
Cash 429.44M 463.72M 466.75M 369.56M 488.33M
Total current liabilities 10446.97M 10195.08M - 2.24M 1.85M
Net debt 4471.11M 4357.88M 4806.89M 4423.66M 2603.49M
Short term debt 1203.34M 845.50M - - -
Short long term debt total 4900.55M 4821.60M 5273.64M 4793.22M 3091.82M
Other stockholder equity 965.06M 959.42M 951.84M 947.82M 943.10M
Property plant equipment - - - 34.53M 37.42M
Total current assets 546.04M 1049.37M 1028.98M 867.73M 941.22M
Long term investments 520.66M 526.25M 508.32M 457.91M 421.78M
Net tangible assets - - - 1844.34M 1732.28M
Short term investments 54.05M 526.25M 508.32M 457.91M 421.78M
Net receivables 62.55M 59.40M 53.91M 40.26M 31.11M
Long term debt 4900.55M 4821.60M 5273.64M 4793.22M 3091.82M
Inventory - - - 1.19M 0.29M
Accounts payable 14.72M 23.19M - 2.24M 1.85M
Accumulated other comprehensive income -21.23M -15.61M 85.21M 23.15M -67.80M
Common stock total equity - - - 3.32M 3.32M
Retained earnings total equity - - - 870.05M 853.66M
Treasury stock - - - -771.99M -768.03M
Non currrent assets other 664.39M 660.77M -0.20M -0.30M -0.28M
Non current assets total 16910.28M 16041.42M 550.43M 500.38M 468.14M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Investments -383.98M -124.71M -1119.09M -86.45M 19.60M
Change to liabilities - - - -1.16M 14.90M
Total cashflows from investing activities -383.98M -124.71M - -1875.10M 547.36M
Net borrowings 82.58M -480.38M - 1684.79M -434.11M
Total cash from financing activities 267.28M 33.08M -58.95M 1717.40M -640.22M
Change to operating activities - - - -9.59M 6.92M
Net income 90.96M 79.59M 75.25M 74.56M 81.01M
Change in cash -34.28M -3.03M 0.08M -118.76M -9.71M
Begin period cash flow 463.72M 466.75M 1.34M 488.33M 498.03M
End period cash flow 429.44M 463.72M 1.42M 369.56M 488.33M
Total cash from operating activities 82.42M 88.60M 46.57M 38.93M 83.16M
Depreciation 23.05M 19.03M 19.61M 27.04M 32.57M
Other cashflows from investing activities -382.53M -129.84M - -48.23M -92.81M
Dividends paid 59.53M 58.95M 58.29M 58.30M 56.64M
Change to account receivables 1.04M -4.30M -16.66M -13.04M 7.70M
Sale purchase of stock -3.98M -1.93M -5.88M -6.29M 0.00M
Other cashflows from financing activities 248.22M 574.34M -0.66M 1785.64M -578.89M
Change to netincome - - - -40.04M -45.04M
Capital expenditures 11.45M 3.06M 5.25M 2.70M 1.34M
Change receivables - - - -13.04M 7.70M
Cash flows other operating - - - -8.43M -7.98M
Cash and cash equivalents changes - - - -118.76M -9.71M
Change in working capital -12.19M 8.86M 12.51M -22.63M 14.62M
Stock based compensation 9.65M 9.50M 1.86M 11.01M 13.71M
Other non cash items -30.40M -31.09M -30.63M -24.17M -44.50M
Free cash flow 70.97M 85.54M 46.57M 36.23M 81.82M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
TFSL
TFS Financial Corporation		 -
-%		 16.43 47.42 76.92 13.79 2.45 31.00
DBSDY
DBS Group Holdings Ltd ADR		 -6.82
3.06%		 215.88 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.02
0.06%		 34.57 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.81
0.94%		 85.79 11.53 10.27 5.72 1.83 8.22

Profile*

TFS Financial Corporation

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

7007 Broadway Avenue, Cleveland, OH, United States, 44105

216 441 6000

https://www.thirdfederal.com

958

Name Title Year Born
Mr. Marc A. Stefanski Chairman, Pres & CEO 1954
Ms. Meredith S. Weil COO & Director 1967
Ms. Cathy W. Zbanek Chief Synergy Officer and HR Officer of Third Federal Savings & Loan Association of Cleveland 1973
Mr. Timothy W. Mulhern Chief Financial Officer 1967
Ms. Susanne Noel Miller Chief Accounting Officer 1966
Ms. Kathleen Mary Danckers Chief Risk Officer & Chief Information Security Officer 1962
Mr. Andrew James Rubino Chief Information Officer of Third Federal Savings and Loan Association of Cleveland 1975
Mr. Russell C. Holmes Chief Retail Officer of Third Federal Savings and Loan Association of Cleveland 1963
Mr. Bradley T. Stefanski Chief Strategy Officer of Third Federal Savings and Loan Association of Cleveland 1988
Mr. Gavin B. Stefanski Chief Lending Officer of Third Federal Savings and Loan Association of Cleveland 1988

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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