TFS FINANCIAL CORP (TFSL) Stock Fundamental Analysis

NASDAQ:TFSL • US87240R1077

15.04 USD
+0.09 (+0.6%)
At close: Feb 20, 2026
15.04 USD
0 (0%)
After Hours: 2/20/2026, 8:07:13 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

TFSL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. The financial health of TFSL is average, but there are quite some concerns on its profitability. TFSL is quite expensive at the moment. It does show a decent growth rate. TFSL also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year TFSL was profitable.
  • In the past year TFSL had a positive cash flow from operations.
  • TFSL had positive earnings in each of the past 5 years.
  • TFSL had a positive operating cash flow in each of the past 5 years.
TFSL Yearly Net Income VS EBIT VS OCF VS FCFTFSL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of TFSL (0.51%) is worse than 76.64% of its industry peers.
  • The Return On Equity of TFSL (4.73%) is worse than 78.48% of its industry peers.
Industry RankSector Rank
ROA 0.51%
ROE 4.73%
ROIC N/A
ROA(3y)0.47%
ROA(5y)0.49%
ROE(3y)4.25%
ROE(5y)4.26%
ROIC(3y)N/A
ROIC(5y)N/A
TFSL Yearly ROA, ROE, ROICTFSL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

1.3 Margins

  • The Profit Margin of TFSL (27.84%) is better than 69.55% of its industry peers.
  • TFSL's Profit Margin has been stable in the last couple of years.
  • TFSL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.51%
PM growth 5Y0.15%
GM growth 3YN/A
GM growth 5YN/A
TFSL Yearly Profit, Operating, Gross MarginsTFSL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • TFSL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • TFSL has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, TFSL has more shares outstanding
  • TFSL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
TFSL Yearly Shares OutstandingTFSL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
TFSL Yearly Total Debt VS Total AssetsTFSL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • There is no outstanding debt for TFSL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC6.59%
TFSL Yearly LT Debt VS Equity VS FCFTFSL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TFSL Yearly Current Assets VS Current LiabilitesTFSL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 14.29% over the past year.
  • Measured over the past 5 years, TFSL shows a small growth in Earnings Per Share. The EPS has been growing by 1.30% on average per year.
  • Looking at the last year, TFSL shows a small growth in Revenue. The Revenue has grown by 6.04% in the last year.
  • Measured over the past years, TFSL shows a small growth in Revenue. The Revenue has been growing by 1.69% on average per year.
EPS 1Y (TTM)14.29%
EPS 3Y5.83%
EPS 5Y1.3%
EPS Q2Q%0%
Revenue 1Y (TTM)6.04%
Revenue growth 3Y3.35%
Revenue growth 5Y1.69%
Sales Q2Q%10.76%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.70% on average over the next years.
  • Based on estimates for the next years, TFSL will show a small growth in Revenue. The Revenue will grow by 5.89% on average per year.
EPS Next Y4.23%
EPS Next 2Y5.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.56%
Revenue Next 2Y5.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
TFSL Yearly Revenue VS EstimatesTFSL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
TFSL Yearly EPS VS EstimatesTFSL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.1 0.2 0.3

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Find the best growth stocksShow best growing peers

0

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 47.00, the valuation of TFSL can be described as expensive.
  • Based on the Price/Earnings ratio, TFSL is valued expensively inside the industry as 87.66% of the companies are valued cheaper.
  • TFSL is valuated expensively when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 42.07, the valuation of TFSL can be described as expensive.
  • Based on the Price/Forward Earnings ratio, TFSL is valued a bit more expensive than 79.53% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of TFSL to the average of the S&P500 Index (28.06), we can say TFSL is valued slightly more expensively.
Industry RankSector Rank
PE 47
Fwd PE 42.07
TFSL Price Earnings VS Forward Price EarningsTFSL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • TFSL's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TFSL is more expensive than 82.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 59.46
EV/EBITDA N/A
TFSL Per share dataTFSL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)11.11
PEG (5Y)36.18
EPS Next 2Y5.7%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • TFSL has a Yearly Dividend Yield of 7.62%, which is a nice return.
  • TFSL's Dividend Yield is rather good when compared to the industry average which is at 2.78. TFSL pays more dividend than 97.90% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.85, TFSL pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.62%

5.2 History

  • The dividend of TFSL has a limited annual growth rate of 1.36%.
  • TFSL has been paying a dividend for at least 10 years, so it has a reliable track record.
  • TFSL has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.36%
Div Incr Years0
Div Non Decr Years10
TFSL Yearly Dividends per shareTFSL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 66.52% of the earnings are spent on dividend by TFSL. This is not a sustainable payout ratio.
  • The dividend of TFSL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP66.52%
EPS Next 2Y5.7%
EPS Next 3YN/A
TFSL Yearly Income VS Free CF VS DividendTFSL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
TFSL Dividend Payout.TFSL Dividend Payout, showing the Payout Ratio.TFSL Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

TFS FINANCIAL CORP

NASDAQ:TFSL (2/20/2026, 8:07:13 PM)

After market: 15.04 0 (0%)

15.04

+0.09 (+0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners92.44%
Inst Owner Change3.8%
Ins Owners0.54%
Ins Owner Change4.1%
Market Cap4.22B
Revenue(TTM)321.47M
Net Income(TTM)89.50M
Analysts45.71
Price Target14.79 (-1.66%)
Short Float %2.01%
Short Ratio7.83
Dividend
Industry RankSector Rank
Dividend Yield 7.62%
Yearly Dividend0.21
Dividend Growth(5Y)1.36%
DP66.52%
Div Incr Years0
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.17%
Min EPS beat(2)-1.96%
Max EPS beat(2)10.29%
EPS beat(4)2
Avg EPS beat(4)9%
Min EPS beat(4)-1.96%
Max EPS beat(4)29.64%
EPS beat(8)5
Avg EPS beat(8)10.91%
EPS beat(12)7
Avg EPS beat(12)12.11%
EPS beat(16)11
Avg EPS beat(16)10.65%
Revenue beat(2)0
Avg Revenue beat(2)-5.25%
Min Revenue beat(2)-9.85%
Max Revenue beat(2)-0.65%
Revenue beat(4)1
Avg Revenue beat(4)-2.71%
Min Revenue beat(4)-9.85%
Max Revenue beat(4)1.75%
Revenue beat(8)3
Avg Revenue beat(8)-2.2%
Revenue beat(12)5
Avg Revenue beat(12)-1.48%
Revenue beat(16)9
Avg Revenue beat(16)1.72%
PT rev (1m)3.57%
PT rev (3m)3.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.33%
EPS NY rev (1m)-8.27%
EPS NY rev (3m)-3.54%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.81%
Revenue NY rev (3m)-1.02%
Valuation
Industry RankSector Rank
PE 47
Fwd PE 42.07
P/S 13.13
P/FCF 59.46
P/OCF 51.2
P/B 2.23
P/tB 2.24
EV/EBITDA N/A
EPS(TTM)0.32
EY2.13%
EPS(NY)0.36
Fwd EY2.38%
FCF(TTM)0.25
FCFY1.68%
OCF(TTM)0.29
OCFY1.95%
SpS1.15
BVpS6.75
TBVpS6.72
PEG (NY)11.11
PEG (5Y)36.18
Graham Number6.97
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 4.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.84%
GM N/A
FCFM 22.08%
ROA(3y)0.47%
ROA(5y)0.49%
ROE(3y)4.25%
ROE(5y)4.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y3.51%
PM growth 5Y0.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 49.69%
Cap/Sales 3.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 79.29%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC6.59%
ROIC/WACCN/A
Cap/Depr(3y)31.32%
Cap/Depr(5y)21.59%
Cap/Sales(3y)2.08%
Cap/Sales(5y)1.53%
Profit Quality(3y)101.64%
Profit Quality(5y)91.49%
High Growth Momentum
Growth
EPS 1Y (TTM)14.29%
EPS 3Y5.83%
EPS 5Y1.3%
EPS Q2Q%0%
EPS Next Y4.23%
EPS Next 2Y5.7%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.04%
Revenue growth 3Y3.35%
Revenue growth 5Y1.69%
Sales Q2Q%10.76%
Revenue Next Year6.56%
Revenue Next 2Y5.89%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.03%
FCF growth 3Y25.15%
FCF growth 5Y-9.76%
OCF growth 1Y-6.98%
OCF growth 3Y28.44%
OCF growth 5Y-7.51%

TFS FINANCIAL CORP / TFSL FAQ

What is the ChartMill fundamental rating of TFS FINANCIAL CORP (TFSL) stock?

ChartMill assigns a fundamental rating of 4 / 10 to TFSL.


What is the valuation status of TFS FINANCIAL CORP (TFSL) stock?

ChartMill assigns a valuation rating of 0 / 10 to TFS FINANCIAL CORP (TFSL). This can be considered as Overvalued.


Can you provide the profitability details for TFS FINANCIAL CORP?

TFS FINANCIAL CORP (TFSL) has a profitability rating of 3 / 10.


Can you provide the financial health for TFSL stock?

The financial health rating of TFS FINANCIAL CORP (TFSL) is 4 / 10.


Can you provide the expected EPS growth for TFSL stock?

The Earnings per Share (EPS) of TFS FINANCIAL CORP (TFSL) is expected to grow by 4.23% in the next year.