TFS Financial (TFSL) Resumen de Acciones

TFS Financial Corporation, a través de sus filiales, presta servicios de banca minorista al consumidor en Estados Unidos. Saber más

Análisis fundamental de TFSL
Puntuación del snowflake
Valoración	0/6
Crecimiento futuro	1/6
Rendimiento pasado	4/6
Salud financiera	5/6
Dividendos	4/6

Recompensas

Se prevé un crecimiento anual de los beneficios de 8.88%

Los beneficios han crecido un 3.4% al año en los últimos 5 años

Análisis de riesgos

O bien el dividendo de 6.33% no está bien cubierto por los beneficios actuales o no se prevé que lo esté.

TFSL Community Fair Values

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Competidores de TFS Financial Corporation

Historial de precios y rendimiento

Resumen de las cotizaciones máximas, mínimas y variaciones del TFS Financial
Precios históricos de las acciones
Precio actual de la acción	US$17.84
Máximo en las últimas 52 semanas	US$17.99
Mínimo de 52 semanas	US$12.54
Beta	0.74
Cambio en 1 mes	8.65%
Variación en 3 meses	25.55%
Cambio de 1 año	33.13%
Variación en 3 años	41.59%
Variación en 5 años	-11.55%
Variación desde la OPV	51.31%

Noticias y actualizaciones recientes

Artículo de análisis • Jun 19

TFS Financial (TFSL) Stock Looks Rich After Rally to $16.42

TFS Financial (TFSL) has drawn investor attention after a recent move in its share price, with the stock closing at $16.42. That shift is prompting a closer look at recent returns and fundamentals. See our latest analysis for TFS Financial. For context, TFS Financial’s recent move to $16.42 comes after a 22.63% 90 day share price return and a 40.10% 1 year total shareholder return, suggesting momentum has been building over both shorter and longer periods. If this kind of steady progress has...

Seeking Alpha • Jun 02

TFS Financial: The Dividend Looks Better Than The Fundamentals

Summary TFS Financial Corporation appears overvalued with a 48x P/E and 2.3x P/B despite weak profitability metrics. The 7.1% dividend yield is fully priced in and structurally dependent on the mutual holding company’s annual refusal to accept dividends. TFSL’s profitability is constrained by low ROE (4.8%), ROA (0.52%), and a net interest margin of 1.84%, with limited growth prospects. High deposit costs, geographic concentration in Ohio and Florida, and an inefficient cost structure leave little margin for error. Read the full article on Seeking Alpha

Recent updates

Artículo de análisis • Jun 19

TFS Financial (TFSL) Stock Looks Rich After Rally to $16.42

Seeking Alpha • Jun 02

TFS Financial: The Dividend Looks Better Than The Fundamentals

Seeking Alpha • Mar 28

TFS Financial Corp: A Long Forgotten Second Step Thrift Conversion Can Still Provide Value

Summary TFS Financial Corporation (TFSL) offers a steady 9%+ dividend yield, making it an attractive option for income-focused investors despite its complex share structure. The company's consistent performance through various economic cycles and interest rate environments highlights its resilience and strong management. TFSL's valuation is convoluted due to its split ownership, but its public float trades at a very cheap price-to-book ratio of 0.34x. Potential risks include the possibility of a second-step conversion and dividend cuts, but the strong management and high reserves mitigate these concerns. Read the full article on Seeking Alpha

Seeking Alpha • Dec 28

TFS Financial: Prioritizing Stability For Dividend Investors

Summary TFS Financial Corporation's unique ownership structure results in dividends being well-covered and the stock trading at a discount to book value per minority share. Approximately 81% of shares are owned by a mutual holding company, with dividends paid only to minority shareholders, ensuring strong dividend coverage. With earnings per minority share at $1.49 and dividends at $1.13, the dividend yield is attractively covered. I rate TFSL as a buy due to its strong track record, capital strength, stable deposits, and conservative underwriting, making it a solid income play. Read the full article on Seeking Alpha

Seeking Alpha • Jun 28

TFS Financial Stock: Carefully Navigating Uncertain Times

Summary TFS Financial Corporation has a unique ownership structure with majority owners not receiving dividends, making the high payout ratio misleading. Rising interest rates had mixed effects on TFSL, increasing interest income but reducing demand for new loans and refinancing deals. TFSL offers a 9% dividend yield, fully supported by income, but has not raised dividends in 4 years, leading to mixed investor reactions. Moving forward, the bank will have to be very careful about how it navigates these uncertain times we are in right now. Read the full article on Seeking Alpha

Seeking Alpha • Apr 12

TFS Financial: An Unreasonably High Price

Summary TFS Financial Corporation originates and services residential mortgage loans. The company is well-capitalized and its stock price results in a high dividend yield. However, profitability doesn't appear promising and the shares aren't trading low enough to reflect an opportunity here. Read the full article on Seeking Alpha

Seeking Alpha • Aug 25

TFS Financial Corporation: Bouncing Back And Returning To The Right Track

Summary TFS Financial Corporation is rebounding with solid revenue growth and margin expansion. But, liquidity remains a concern as inflationary pressure intensifies. The dividend payout ratio is now 94% vs 96% in my previous article. TFS Financial Corporation's stock price is now in an uptrend but remains undervalued. The TFS Financial Corporation (TFSL) is a Cleveland-based holding company that provides retail consumer banking products and services. Its primary services include real estate mortgage lending and refinancing and home construction lending. Deposit products include savings, checking, retirement plan, and money market. It has a market capitalization of over $4 billion, making it as large as some S&P 400 components. But, over 80% of its stocks are held by MHC, a federally chartered mutually holding company. I have been keeping an eye on this company since 1Q 2022. In my previous article, it was still a bit slow-moving. Even so, its financials and growth prospects were already promising, matched with its undervalued stock price. Now, the stock has regained its footing amidst the sustained inflation. It also generates enough income to cover dividends and sustain its operating capacity. Yet, it has to keep an eye on its interest-sensitive portfolio to improve liquidity. It must be more careful even if its capitalization on earning assets continues to pay off. Meanwhile, investors may enjoy the current stock price that remains undervalued. Company Performance TFS Financial Corporation has not averted the impact of economic downturns. Its growth had been hampered in the last two years. Now that interest and mortgage rates are rising, its portfolio yields higher returns. It appears to be more interest-sensitive, given its high concentration on loans. That is why it increases its capitalization on loans rather than securities. At $102 million, TFS Financial has an 8% year-over-year growth. It is also 10% higher than in 2Q 2022. We can also see that in three quarters, interest income is increasing. So, it is safe to assume that its rebound started in the previous quarter. Indeed, its returns are moving in parallel with the interest and mortgage rates. Its securities increase their value as the interest and mortgage rates increase. Its prudent asset management and portfolio diversification are paying off. But, it must still be careful since a massive chunk of its assets is from mortgage loans. It may be both a primary growth driver and a problem. We will discuss more of this part in the next section. The impact of its strategy also extends to a low-interest expense. In one year, organic loan growth has outpaced deposit growth. That may be the reason for the faster increase in interest income than an expense. Also, there are adjustments in the interest rates in the components of borrowings that have a partial offsetting impact. Given this, the net interest margin is 68% vs 67% in 2Q 2022 and 61% in 3Q 2021. If we disregard loan provisions, it will be higher at 69%. Note that loan provisions may be normalized this year, given the increased interest and mortgage rates. Unlike in the previous year, provisions may be more of an expense than a writeback. Interest Income and Interest Expense (MarketWatch) Meanwhile, the operating margin is almost unchanged. It can be attributed to the increase in labor expenses. The operating capacity is increasing in line with the increase in employees. Another factor that affects the operating margin is provisions. Even so, the actual operating income is an uptrend. If we disregard provisions, the operating margin will be higher at 25% vs 20% in 3Q 2021. Operating Margin (MarketWatch) In the second half, I expect its sustained rebound. I adhere to my projection in my previous article. The quality of its portfolio, especially loans may drive its continued growth. Both loans and deposits are increasing, showing the demand for its products and services. Its efforts and strategies may pay off as TFSL remains sensitive to interest rate changes. Higher interest rates may entice more deposits and investments. Potential Risks And Opportunities TFS Financial Corporation is a durable company in a challenging market landscape. Its viability and stability are evident despite inflationary pressures. Even better, the quality of its earning assets is impressive, which yields more returns. Loans have been expanding due to increased borrowers, interest rates, and mortgage rates. This quarter, their yield is 2.95% vs 2.83% in the previous quarter. Also, 48% of loans are using fixed rates, making them stable amidst interest and mortgage rate changes. Meanwhile, its-bearing liabilities yield 0.98% vs 1%. The decrease may be the reason for lower interest expenses. It is proof that its interest-sensitive assets are yielding more returns in a high-interest environment. Now, the inflation rate is 8.5%, a lull from 9.1% in June. But, the pent-up demand, slow improvement in port congestion, and geopolitical unrest in Europe may cause more changes in the market. As such, I project the inflation rate to peak at 9.6-9.8%. Meanwhile, the interest rate is about to exceed the initial estimation. Last month, the Fed raised the Fed Funds Rate by 75 basis points. That is why borrowers and lenders must watch out for interest rate hikes. Likewise, the mortgage rate is skyrocketing at 5.7%, which is already higher than the initial estimation of 5.1-5.3%. So, it may not be a surprise if the interest and mortgage rate increase to 3-3.4% and 6.8-7%. Inflation Rate, Interest Rate, and Mortgage Rate (MarketWatch) It may be a good opportunity to maintain its current interest-sensitive portfolio. That is why the increase in loans leads to increased returns. Yet, it must be more careful since loans, particularly mortgage loans, comprise 90% of total assets. Also, the loan-to-deposit ratio continues to increase from 138% to 152%. Although it may drive an increase in interest income, it increases the risk in operations. Excessive loans mean lower reserves in case of defaults or delinquencies. Another thing to consider is the lower percentage of cash and investments to borrowings at 24%. Loans, Deposits, and Loan-to-Deposit Ratio (MarketWatch) Cash and Cash Equivalents and Borrowings (MarketWatch) Fortunately, the quality of TFS Financial's loans is impressive. Its loans have a 2.95% yield with only 0.10% average delinquency. Also, almost half of loans are fixed so they are more stable. Note that its loans are backed by collateral although the fair value of assets may either be higher or lower. Many of its loans will also mature this year, which may yield by 3-3.4%. Likewise, its investment securities realize more yields, making its portfolio more durable. Cash levels are increasing as returns increase. Meanwhile, 57% of its borrowings will mature in at least thirteen months. So, it has more time and means to cover them. The economy may stabilize in the following years, making its growth prospects more enticing. Stock Price Assessment The stock price has been in an uptrend in the last month although it has had a slight decline in the last two weeks. At $14.82, it is still 15% lower than the starting price, but it has already increased by 8% from my previous article. It appears expensive as shown by the P/E Ratio. But note that over 80% of the shares are owned by MHC. If we divide the net income by the true common shares, the EPS TTM will increase from $0.24 to $1.16. So, the P/E Ratio will be 12.76. Likewise, the PTBV Ratio will be as low as 0.44 if we use the true common shares to compute the BVPS.

Seeking Alpha • Jun 15

TFS Financial: Buy This 8.3% Yielding Bank At A Steep Discount

TFS Financial is a regional bank offering a greater than 8% dividend yield and which trades for less than half of book value. This value exists primarily because the bank is structured as a mutual holding company "MHC". I see this as a great income stock today with meaningful share price appreciation possibilities as well once the fixed income market turns the corner.

Seeking Alpha • Mar 11

TFS Financial Corporation: Dividend Increase Provides Stable Opportunity

As a result of excellent financial management, the company recently announced an increase in the quarterly cash dividend. The company has drastically reduced operating income since 2017 while at the same time creating a substantial operating income margin, which is good for shareholders. The United States financial services market is one of the most economically stable and profitable industry sectors.

Rentabilidad de los accionistas

	TFSL	US Banks	Mercado US
7D	2.0%	1.0%	1.6%
1Y	33.1%	18.7%	18.6%

Rentabilidad vs. Industria: TFSL superó a la industria US Banks, que obtuvo un rendimiento del 18.7% el año pasado.

Rentabilidad vs. Mercado: TFSL superó al mercado US, que obtuvo un rendimiento del 18.6% el año pasado.

Volatilidad de los precios

Is TFSL's price volatile compared to industry and market?
TFSL volatility
TFSL Average Weekly Movement	2.8%
Banks Industry Average Movement	3.3%
Market Average Movement	7.3%
10% most volatile stocks in US Market	16.7%
10% least volatile stocks in US Market	3.2%

Precio estable de las acciones: TFSL no ha tenido una volatilidad de precios significativa en los últimos 3 meses en comparación con el mercado US.

Volatilidad a lo largo del tiempo: La volatilidad semanal de TFSL (3%) se ha mantenido estable durante el año pasado.

Acerca de la empresa

Fundada	Empleados	CEO	Página web
1938	958	Marc Stefanski	www.thirdfederal.com

TFS Financial Corporation, a través de sus filiales, presta servicios de banca minorista al consumidor en Estados Unidos. La empresa ofrece productos de depósito, como cuentas de ahorro, del mercado monetario, corrientes, de jubilación individual y otros planes cualificados, así como certificados de depósito. También concede préstamos hipotecarios sobre bienes inmuebles residenciales, préstamos para la construcción de viviendas, hipotecas de compra y préstamos y líneas de crédito sobre el valor neto de la vivienda, así como hipotecas de compra y préstamos de refinanciación de primera hipoteca.

Resumen de fundamentos de TFS Financial Corporation

¿Cómo se comparan los beneficios e ingresos de TFS Financial con su capitalización de mercado?
Estadísticas fundamentales de TFSL
Capitalización bursátil	US$4.97b
Beneficios(TTM)	US$91.56m
Ingresos (TTM)	US$335.00m

54.3x

Ratio precio-beneficio (PE)

2.6x

Precio/valor contable

¿Está TFSL sobrevalorada?

Ver valor justo y análisis de valoración

Beneficios e Ingresos

Estadísticas clave de rentabilidad del último informe de resultados (TTM)
Cuenta de resultados (TTM) de TFSL
Ingresos	US$335.00m
Coste de los ingresos	US$0
Beneficio bruto	US$335.00m
Otros gastos	US$243.44m
Beneficios	US$91.56m

Últimos beneficios comunicados

Mar 31, 2026

Próxima fecha de beneficios

n/a

Beneficios por acción (BPA)	0.33
Margen bruto	100.00%
Margen de beneficio neto	27.33%
Ratio deuda/patrimonio	269.0%

¿Cómo se ha desempeñado TFSL a largo plazo?

Ver rendimiento histórico y comparativa

Dividendos

6.3%

Rentabilidad actual por dividendo

344%

Ratio de pagos

Análisis de la empresa y estado de los datos financieros

Datos	Última actualización (huso horario UTC)
Análisis de la empresa	2026/07/05 04:10
Precio de las acciones al final del día	2026/07/02 00:00
Beneficios	2026/03/31
Ingresos anuales	2025/09/30

Fuentes de datos

Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.

Paquete	Datos	Marco temporal	Ejemplo Fuente EE.UU. ^*
Finanzas de la empresa	10 años	Cuenta de resultados Estado de tesorería Balance	Formulario SEC 10-K Formulario SEC 10-Q
Estimaciones del consenso de analistas	+3 años	Previsiones financieras Objetivos de precios de los analistas	Informes de análisis Blue Matrix
Precios de mercado	30 años	Precios de las acciones Dividendos, escisiones y acciones	Datos de mercado ICE Formulario S-1 de la SEC
Propiedad	10 años	Accionistas principales Información privilegiada	Formulario SEC 4 Formulario SEC 13D
Gestión	10 años	Equipo directivo Consejo de Administración	Formulario SEC 10-K Formulario SEC DEF 14A
Principales avances	10 años	Anuncios de empresas	Formulario SEC 8-K

^* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.

A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.

Modelo de análisis y copo de nieve

Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también contamos con guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.

Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.

Métricas industriales y sectoriales

Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.

Fuentes analistas

TFS Financial Corporation está cubierta por 3 analistas. 2 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.

Analista	Institución
Damon DelMonte	Keefe, Bruyette, & Woods
Christopher Whitbread Nolan	Maxim Group
Adam Kroll	Piper Sandler Companies

TFS Financial (TFSL) Resumen de Acciones

Recompensas

Análisis de riesgos

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Competidores de TFS Financial Corporation

Associated Banc-Corp

First National of Nebraska

International Bancshares

First Financial Bankshares

Historial de precios y rendimiento

Noticias y actualizaciones recientes

TFS Financial Corporation(NasdaqGS:TFSL) dropped from Russell 1000 Dynamic Index

TFS Financial (TFSL) Stock Looks Rich After Rally to $16.42

TFS Financial: The Dividend Looks Better Than The Fundamentals

Second quarter dividend of US$0.28 announced

TFS Financial Corporation Declares Quarterly Dividend, Payable on June 24, 2026

Independent Director recently bought US$313k worth of stock

Recent updates

TFS Financial Corporation(NasdaqGS:TFSL) dropped from Russell 1000 Dynamic Index

TFS Financial (TFSL) Stock Looks Rich After Rally to $16.42

TFS Financial: The Dividend Looks Better Than The Fundamentals

Second quarter dividend of US$0.28 announced

TFS Financial Corporation Declares Quarterly Dividend, Payable on June 24, 2026

Independent Director recently bought US$313k worth of stock

TFS Financial Q2 Net Income Reaches US$23.2 Million as Loan Interest Supports Earnings

Second quarter 2026 earnings: Revenues and EPS in line with analyst expectations

First quarter dividend of US$0.28 announced

TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 25, 2026

Chairman recently sold US$572k worth of stock

Chairman notifies of intention to sell stock

First quarter 2026 earnings: EPS and revenues miss analyst expectations

TFS Financial Corporation, Annual General Meeting, Feb 26, 2026

Chairman exercised options and sold US$411k worth of stock

Insider recently sold US$283k worth of stock

Fourth quarter dividend of US$0.28 announced

TFS Financial Corporation Declares Quarterly Dividend, Payable on December 16, 2025

Full year 2025 earnings: EPS exceeds analyst expectations

Third quarter dividend of US$0.28 announced

TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on September 24, 2025

Independent Director recently bought US$500k worth of stock

New major risk - Dividend sustainability

Third quarter 2025 earnings: EPS in line with analyst expectations despite revenue beat

Insufficient new directors

Second quarter dividend of US$0.28 announced

TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on June 24, 2025

Independent Director recently sold US$797k worth of stock

Second quarter 2025 earnings: EPS in line with analyst expectations despite revenue beat

TFS Financial Corp: A Long Forgotten Second Step Thrift Conversion Can Still Provide Value

Chairman recently sold US$536k worth of stock

Chairman notifies of intention to sell stock

First quarter dividend of US$0.28 announced

TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 20, 2025

New minor risk - Insider selling

First quarter 2025 earnings: EPS exceeds analyst expectations

TFS Financial Corporation, Annual General Meeting, Feb 20, 2025

TFS Financial: Prioritizing Stability For Dividend Investors

Fourth quarter dividend of US$0.28 announced

TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on December 17, 2024

Full year 2024 earnings: EPS exceeds analyst expectations while revenues lag behind

TFS Financial Corporation Announces the Appointment of Terrence L. Bauer to the Board

New major risk - Dividend sustainability

Third quarter dividend of US$0.28 announced

TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on September 24, 2024

Third quarter 2024 earnings: EPS exceeds analyst expectations while revenues lag behind

New major risk - Revenue and earnings growth

TFS Financial Stock: Carefully Navigating Uncertain Times

Consensus revenue estimates increase by 11%

Upcoming dividend of US$0.28 per share

TFS Financial Corporation Declares Dividend, Payable on June 25, 2024

New major risk - Revenue and earnings growth

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

TFS Financial: An Unreasonably High Price

Upcoming dividend of US$0.28 per share

First quarter dividend of US$0.28 announced

Price target decreased by 9.4% to US$14.50

TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 21, 2024

First quarter 2024 earnings: EPS and revenues exceed analyst expectations

TFS Financial Corporation Announces Kathleen (Kitty) M. Danckers, to Retire as Chief Risk Officer in June 2024

Price target increased by 14% to US$16.00

TFS Financial Corporation, Annual General Meeting, Feb 22, 2024