TFS Financial（PWT）株式概要TFSファイナンシャル・コーポレーションは子会社を通じて、米国で消費者向けリテール・バンキング・サービスを提供している。 詳細PWT ファンダメンタル分析スノーフレーク・スコア評価0/6将来の成長1/6過去の実績5/6財務の健全性5/6配当金4/6報酬収益は年間8.88%増加すると予測されています 過去1年間で収益は14.1%増加しました リスク分析6.92%の配当は、現在利益で十分にカバーされていないか、カバーされるとは予想されていません。 すべてのリスクチェックを見るPWT Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair Value€Current Price€13.604.9% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture0460m2016201920222025202620282031Revenue US$460.2mEarnings US$125.8mAdvancedSet Fair ValueView all narrativesTFS Financial Corporation 競合他社ProCredit HoldingSymbol: XTRA:PCZMarket cap: €437.6mInternational BancsharesSymbol: NasdaqGS:IBOCMarket cap: US$4.4bAssociated Banc-CorpSymbol: NYSE:ASBMarket cap: US$4.4bBerner KantonalbankSymbol: SWX:BEKNMarket cap: CHF 3.5b価格と性能株価の高値、安値、推移の概要TFS Financial過去の株価現在の株価US$13.6052週高値US$14.2052週安値US$10.60ベータ0.761ヶ月の変化9.68%3ヶ月変化15.25%1年変化19.30%3年間の変化15.25%5年間の変化-23.16%IPOからの変化58.51%最新ニュースDeclared Dividend • Jun 01Second quarter dividend of US$0.28 announcedShareholders will receive a dividend of US$0.28. Ex-date: 10th June 2026 Payment date: 24th June 2026 Dividend yield will be 7.6%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 11% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 282% to bring the payout ratio under control. EPS is expected to grow by 8.4% over the next year, which means the dividend may need to be reduced to reach a sustainable payout ratio.お知らせ • May 29TFS Financial Corporation Declares Quarterly Dividend, Payable on June 24, 2026TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 24, 2026, to stockholders of record on June 10, 2026.Board Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 8 highly experienced directors. Independent Director Terry Bauer was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Feb 27TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 25, 2026TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 25, 2026, to stockholders of record on March 11, 2026.お知らせ • Jan 15TFS Financial Corporation, Annual General Meeting, Feb 26, 2026TFS Financial Corporation, Annual General Meeting, Feb 26, 2026. Location: at the offices of third federal savings and loan, 7007 broadway avenue, ohio 44105, cleveland United Statesお知らせ • Nov 21TFS Financial Corporation Declares Quarterly Dividend, Payable on December 16, 2025TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 16, 2025, to stockholders of record on December 2, 2025.最新情報をもっと見るRecent updatesDeclared Dividend • Jun 01Second quarter dividend of US$0.28 announcedShareholders will receive a dividend of US$0.28. Ex-date: 10th June 2026 Payment date: 24th June 2026 Dividend yield will be 7.6%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 11% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 282% to bring the payout ratio under control. EPS is expected to grow by 8.4% over the next year, which means the dividend may need to be reduced to reach a sustainable payout ratio.お知らせ • May 29TFS Financial Corporation Declares Quarterly Dividend, Payable on June 24, 2026TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 24, 2026, to stockholders of record on June 10, 2026.Board Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 8 highly experienced directors. Independent Director Terry Bauer was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Feb 27TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 25, 2026TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 25, 2026, to stockholders of record on March 11, 2026.お知らせ • Jan 15TFS Financial Corporation, Annual General Meeting, Feb 26, 2026TFS Financial Corporation, Annual General Meeting, Feb 26, 2026. Location: at the offices of third federal savings and loan, 7007 broadway avenue, ohio 44105, cleveland United Statesお知らせ • Nov 21TFS Financial Corporation Declares Quarterly Dividend, Payable on December 16, 2025TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 16, 2025, to stockholders of record on December 2, 2025.お知らせ • Aug 29+ 1 more updateTFS Financial Corporation Declares Quarterly Cash Dividend, Payable on September 24, 2025TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on September 24, 2025, to stockholders of record on September 10, 2025.お知らせ • May 30TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on June 24, 2025On May 29, 2025, TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 24, 2025, to stockholders of record on June 10, 2025.お知らせ • Feb 21TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 20, 2025TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 20, 2025, to stockholders of record on March 6, 2025.お知らせ • Jan 13TFS Financial Corporation, Annual General Meeting, Feb 20, 2025TFS Financial Corporation, Annual General Meeting, Feb 20, 2025. Location: at the offices of third federal savings and loan, 7007 broadway avenue, ohio 44105, cleveland United Statesお知らせ • Nov 22TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on December 17, 2024TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 17, 2024, to stockholders of record on December 3, 2024.Reported Earnings • Nov 03Full year 2024 earnings released: EPS: US$0.29 (vs US$0.27 in FY 2023)Full year 2024 results: EPS: US$0.29 (up from US$0.27 in FY 2023). Revenue: US$304.7m (flat on FY 2023). Net income: US$79.6m (up 8.0% from FY 2023). Profit margin: 26% (up from 24% in FY 2023). Net interest margin (NIM): 1.69% (down from 1.80% in FY 2023). Non-performing loans: 0.22% (up from 0.21% in FY 2023). Revenue is forecast to stay flat during the next 2 years compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.お知らせ • Oct 25TFS Financial Corporation Announces the Appointment of Terrence L. Bauer to the BoardOn October 24, 2024, TFS Financial Corporation appointed Terrence L. Bauer to fill the vacant board position created by the Bylaw amendment described. Mr. Bauer has more than three decades of experience in executive leadership roles in both entrepreneurial and established companies. He currently serves as Chief Executive Officer of Specialdocs Consultants, a role he has held since 2016. As CEO, Mr. Bauer drives growth and long-term strategic planning for the company and its medical practice clients, while navigating the competitive US healthcare system.New Risk • Oct 02New major risk - Dividend sustainabilityThe dividend is not well covered by earnings. It is also not forecast to be well covered by earnings in 3 years. Payout ratio: 395% Payout ratio in 3 years: 411% Current dividend yield: 9.0% This is considered a major risk. Companies that pay out too much of their earnings are at risk of having to reduce or cut their dividend in future. If earnings growth slows or earnings fall, then there may not be enough earnings to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risks Dividend is not well covered by earnings. It is also not forecast to be well covered by earnings in 3 years. Payout ratio: 395% Payout ratio in 3 years: 411% Earnings are forecast to decline by an average of 0.3% per year for the foreseeable future. Minor Risk Significant insider selling over the past 3 months (€730k sold).Declared Dividend • Sep 02Third quarter dividend of US$0.28 announcedShareholders will receive a dividend of US$0.28. Ex-date: 10th September 2024 Payment date: 24th September 2024 Dividend yield will be 8.8%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 339% to bring the payout ratio under control. However, EPS is expected to decline by 6.5% over the next year, which means the dividend may need to be reduced to reach a sustainable payout ratio.お知らせ • Aug 30TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on September 24, 2024TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on September 24, 2024, to stockholders of record on September 10, 2024.Reported Earnings • Jul 31Third quarter 2024 earnings released: EPS: US$0.072 (vs US$0.062 in 3Q 2023)Third quarter 2024 results: EPS: US$0.072 (up from US$0.062 in 3Q 2023). Revenue: US$76.0m (up 1.9% from 3Q 2023). Net income: US$20.0m (up 16% from 3Q 2023). Profit margin: 26% (up from 23% in 3Q 2023). The increase in margin was primarily driven by lower expenses. Revenue is forecast to stay flat during the next 2 years compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.New Risk • Jul 23New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 5.1% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 5.1% per year for the foreseeable future. Minor Risks Dividend is not well covered by earnings (407% payout ratio). Significant insider selling over the past 3 months (€431k sold).お知らせ • May 31TFS Financial Corporation Declares Dividend, Payable on June 25, 2024TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 25, 2024, to stockholders of record on June 11, 2024.New Risk • May 03New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.5% per year for the foreseeable future. Minor Risk Dividend is not well covered by earnings (408% payout ratio).New Risk • May 01New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.5% per year for the foreseeable future. Minor Risk Dividend is not well covered by earnings (204% payout ratio).Reported Earnings • May 01Second quarter 2024 earnings released: EPS: US$0.074 (vs US$0.056 in 2Q 2023)Second quarter 2024 results: EPS: US$0.074 (up from US$0.056 in 2Q 2023). Revenue: US$78.1m (up 3.3% from 2Q 2023). Net income: US$20.7m (up 33% from 2Q 2023). Profit margin: 27% (up from 21% in 2Q 2023). The increase in margin was primarily driven by lower expenses. Revenue is forecast to stay flat during the next 2 years compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has fallen by 11% per year, which means it is performing significantly worse than earnings.Declared Dividend • Mar 04First quarter dividend of US$0.28 announcedShareholders will receive a dividend of US$0.28. Ex-date: 6th March 2024 Payment date: 21st March 2024 Dividend yield will be 9.0%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 383% to bring the payout ratio under control. However, EPS is expected to decline by 4.4% over the next year, which means the dividend may need to be reduced to reach a sustainable payout ratio.お知らせ • Feb 23TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 21, 2024TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 21, 2024, to stockholders of record on March 7, 2024.Reported Earnings • Jan 31First quarter 2024 earnings released: EPS: US$0.075 (vs US$0.079 in 1Q 2023)First quarter 2024 results: EPS: US$0.075 (down from US$0.079 in 1Q 2023). Revenue: US$76.4m (down 6.0% from 1Q 2023). Net income: US$20.7m (down 5.0% from 1Q 2023). Profit margin: 27% (in line with 1Q 2023). Revenue is expected to decline by 1.6% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 2.1%. Over the last 3 years on average, earnings per share has fallen by 3% per year whereas the company’s share price has fallen by 4% per year.お知らせ • Jan 31TFS Financial Corporation Announces Kathleen (Kitty) M. Danckers, to Retire as Chief Risk Officer in June 2024Kathleen (Kitty) M. Danckers, the Chief Risk Officer for TFS Financial Corporation, announced that she will be retiring from employment in June 2024. Deborah Hand, who has been with the Association since 2008 and currently serves as Chief Credit Officer, will become the new Chief Risk Officer at that time.お知らせ • Jan 11TFS Financial Corporation, Annual General Meeting, Feb 22, 2024TFS Financial Corporation, Annual General Meeting, Feb 22, 2024, at 09:00 US Eastern Standard Time. Location: the offices of Third Federal Savings and Loan, 7007 Broadway Avenue, Cleveland, Ohio 44105, Ohio United States Agenda: To discuss elect three directors, each to hold office for a three-year term and until his or her successor has been duly elected and qualified; to discuss an advisory vote on the compensation of named executive officers; to ratify the selection of Deloitte & Touche LLP as the Company’s independent accountant for the Company’s fiscal year ending September 30, 2024; and to transact all other business that properly comes before the meeting.New Risk • Dec 08New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: €306k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 4.5% per year for the foreseeable future. Minor Risks Dividend is not well covered by earnings (425% payout ratio). Significant insider selling over the past 3 months (€306k sold).Upcoming Dividend • Nov 21Upcoming dividend of US$0.28 per share at 8.3% yieldEligible shareholders must have bought the stock before 28 November 2023. Payment date: 13 December 2023. Trailing yield: 8.3%. Within top quartile of German dividend payers (5.0%). Higher than average of industry peers (6.4%).お知らせ • Nov 17TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on December 13, 2023TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 13, 2023, to stockholders of record on November 29, 2023.Reported Earnings • Oct 27Full year 2023 earnings released: EPS: US$0.27 (vs US$0.26 in FY 2022)Full year 2023 results: EPS: US$0.27 (up from US$0.26 in FY 2022). Revenue: US$306.5m (up 5.6% from FY 2022). Net income: US$75.3m (up 3.0% from FY 2022). Profit margin: 25% (in line with FY 2022). Over the last 3 years on average, earnings per share has fallen by 3% per year whereas the company’s share price has fallen by 8% per year.お知らせ • Sep 01TFS Financial Corporation Declares Quarterly Dividend, Payable on September 26, 2023TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on September 26, 2023, to stockholders of record on September 12, 2023.Reported Earnings • Jul 28Third quarter 2023 earnings released: EPS: US$0.063 (vs US$0.06 in 3Q 2022)Third quarter 2023 results: EPS: US$0.063 (up from US$0.06 in 3Q 2022). Revenue: US$74.6m (up 2.3% from 3Q 2022). Net income: US$17.6m (up 4.9% from 3Q 2022). Profit margin: 24% (in line with 3Q 2022). Revenue is expected to decline by 9.7% p.a. on average during the next 2 years, while revenues in the Diversified Financial industry in Germany are expected to grow by 8.3%. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.お知らせ • May 19TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on June 13, 2023TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 13, 2023, to stockholders of record on May 30, 2023.Recent Insider Transactions • May 05Independent Director recently bought €125k worth of stockOn the 2nd of May, Daniel Weir bought around 12k shares on-market at roughly €10.84 per share. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €46k more in shares than they bought in the last 12 months.Reported Earnings • Apr 30Second quarter 2023 earnings released: EPS: US$0.057 (vs US$0.056 in 2Q 2022)Second quarter 2023 results: EPS: US$0.057 (up from US$0.056 in 2Q 2022). Revenue: US$75.6m (up 9.0% from 2Q 2022). Net income: US$15.9m (up 2.8% from 2Q 2022). Profit margin: 21% (down from 22% in 2Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 6% per year whereas the company’s share price has fallen by 4% per year.Reported Earnings • Jan 27First quarter 2023 earnings released: EPS: US$0.08 (vs US$0.057 in 1Q 2022)First quarter 2023 results: EPS: US$0.08 (up from US$0.057 in 1Q 2022). Revenue: US$81.3m (up 20% from 1Q 2022). Net income: US$22.2m (up 41% from 1Q 2022). Profit margin: 27% (up from 23% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to stay flat during the next 2 years compared to a 5.1% growth forecast for the Mortgage industry in Europe. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 10% per year.お知らせ • Jan 12TFS Financial Corporation, Annual General Meeting, Feb 23, 2023TFS Financial Corporation, Annual General Meeting, Feb 23, 2023, at 09:00 US Eastern Standard Time. Location: The offices of Third Federal Savings and Loan 7007 Broadway Avenue Cleveland Ohio United States Agenda: To consider the election of four directors; to consider an advisory vote on the compensation of the company's named executive officers; and to ratify the selection of Deloitte & Touche LLP as the Company’s independent accountant for the Company’s fiscal year ending September 30, 2023.Recent Insider Transactions • Dec 10COO & Director recently sold €95k worth of stockOn the 8th of December, Meredith Weil sold around 7k shares on-market at roughly €13.22 per share. This transaction amounted to 6.0% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Meredith's only on-market trade for the last 12 months.Reported Earnings • Nov 24Full year 2022 earnings released: EPS: US$0.26 (vs US$0.29 in FY 2021)Full year 2022 results: EPS: US$0.26 (down from US$0.29 in FY 2021). Revenue: US$290.2m (down 1.9% from FY 2021). Net income: US$73.1m (down 8.1% from FY 2021). Profit margin: 25% (down from 27% in FY 2021). Net interest margin (NIM): 1.88% (up from 1.66% in FY 2021). Cost-to-income ratio: 68.0% (down from 68.3% in FY 2021). Non-performing loans: 0.25% (down from 0.35% in FY 2021). Revenue is forecast to grow 2.3% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Mortgage industry in Europe. Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 10% per year.Upcoming Dividend • Nov 21Upcoming dividend of US$0.28 per shareEligible shareholders must have bought the stock before 28 November 2022. Payment date: 13 December 2022. Trailing yield: 8.0%. Within top quartile of German dividend payers (4.8%). Higher than average of industry peers (6.5%).お知らせ • Nov 16TFS Financial Corporation Declares Quarterly Dividend, Payable on December 13, 2022TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 13, 2022, to stockholders of record on November 29, 2022.Reported Earnings • Oct 30Full year 2022 earnings released: EPS: US$0.27 (vs US$0.29 in FY 2021)Full year 2022 results: EPS: US$0.27 (down from US$0.29 in FY 2021). Revenue: US$290.2m (down 1.9% from FY 2021). Net income: US$74.6m (down 6.2% from FY 2021). Profit margin: 26% (down from 27% in FY 2021). Net interest margin (NIM): 1.88% (up from 1.66% in FY 2021). Non-performing loans: 0.25% (down from 0.35% in FY 2021). Revenue is forecast to grow 3.6% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Mortgage industry in Europe. Over the last 3 years on average, earnings per share has fallen by 8% per year and the company’s share price has also fallen by 8% per year.お知らせ • Aug 26TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on September 20, 2022TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on September 20, 2022, to stockholders of record on September 6, 2022.Recent Insider Transactions • Aug 24Independent Director recently sold €94k worth of stockOn the 22nd of August, Martin Cohen sold around 6k shares on-market at roughly €14.99 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €73k more than they bought in the last 12 months.Board Change • Jul 31High number of new directorsDirector Daniel Weir was the last director to join the board, commencing their role in 2022.Reported Earnings • Jul 30Third quarter 2022 earnings released: EPS: US$0.062 (vs US$0.056 in 3Q 2021)Third quarter 2022 results: EPS: US$0.062 (up from US$0.056 in 3Q 2021). Revenue: US$73.0m (up 8.1% from 3Q 2021). Net income: US$17.1m (up 9.8% from 3Q 2021). Profit margin: 24% (in line with 3Q 2021). Over the next year, revenue is expected to shrink by 3.2% compared to a 11% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 4% per year.お知らせ • Jul 02TFS Financial Corporation Appoints Daniel F. Weir to BoardTFS Financial Corporation appointed Daniel F. Weir to fill the vacant board position created by the Bylaw amendment. Mr. Weir has more than 30 years of banking experience, most recently serving as a member of the management team at Third Federal Savings and Loan Association of Cleveland, the primary operating subsidiary of the Company, until his retirement in 2005. He is a past member of the Board of Trustees for the Urban Community School in Cleveland, and is a past member of the Board of Directors and Treasurer for the Naples Press Club of Southwest Florida.お知らせ • Jun 26TFS Financial Corporation(NasdaqGS:TFSL) dropped from Russell 1000 Dynamic IndexTFS Financial Corporation(NasdaqGS:TFSL) dropped from Russell 1000 Dynamic Indexお知らせ • May 27TFS Financial Corporation Declares Dividend, Payable on June 21, 2022TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 21, 2022, to stockholders of record on June 7, 2022.Reported Earnings • May 01Second quarter 2022 earnings released: EPS: US$0.057 (vs US$0.082 in 2Q 2021)Second quarter 2022 results: EPS: US$0.057 (down from US$0.082 in 2Q 2021). Revenue: US$69.3m (down 11% from 2Q 2021). Net income: US$15.8m (down 30% from 2Q 2021). Profit margin: 23% (down from 29% in 2Q 2021). The decrease in margin was driven by lower revenue. Over the next year, revenue is forecast to grow 3.9%, compared to a 11% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 5% per year whereas the company’s share price has fallen by 3% per year.お知らせ • Feb 25TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 22, 2022TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 22, 2022, to stockholders of record on March 8, 2022.お知らせ • Jan 30TFS Financial Corporation Announces Resignation of Ben S. Stefanski III, A Director from the Board of DirectorsBen S. Stefanski III, a director of the TFS Financial Corporation, has announced his resignation from the Board of Directors effective January 27, 2022. The organization is grateful to Mr. Stefanski for his years of service and contributions to the Company as both a board member and as an executive officer. His position on the Board is not expected to be filled.Reported Earnings • Jan 29First quarter 2022 earnings: Revenues and EPS in line with analyst expectationsFirst quarter 2022 results: EPS: US$0.058 (down from US$0.089 in 1Q 2021). Revenue: US$68.0m (down 17% from 1Q 2021). Net income: US$16.1m (down 34% from 1Q 2021). Profit margin: 24% (down from 30% in 1Q 2021). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Over the next year, revenue is expected to shrink by 11% compared to a 14% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.Reported Earnings • Oct 30Full year 2021 earnings released: EPS US$0.29 (vs US$0.30 in FY 2020)The company reported a solid full year result with improved revenues, although earnings and profit margins were flat. Full year 2021 results: Revenue: US$295.9m (up 1.2% from FY 2020). Net income: US$81.0m (flat on FY 2020). Profit margin: 27% (in line with FY 2020). Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.Reported Earnings • Jul 30Third quarter 2021 earnings released: EPS US$0.058 (vs US$0.096 in 3Q 2020)The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$67.5m (down 14% from 3Q 2020). Net income: US$16.0m (down 40% from 3Q 2020). Profit margin: 24% (down from 34% in 3Q 2020). Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.お知らせ • May 28TFS Financial Corporation Declares Quarterly Dividend, Payable on June 22, 2021TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.28 per share, payable on June 22, 2021, to stockholders of record on June 8, 2021.Reported Earnings • May 01Second quarter 2021 earnings released: EPS US$0.083 (vs US$0.061 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$78.1m (up 15% from 2Q 2020). Net income: US$23.0m (up 36% from 2Q 2020). Profit margin: 30% (up from 25% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.Recent Insider Transactions • Mar 16Independent Director recently sold €268k worth of stockOn the 12th of March, Robert Fiala sold around 15k shares on-market at roughly €17.86 per share. In the last 3 months, there was an even bigger sale from another insider worth €349k. Insiders have been net sellers, collectively disposing of €622k more than they bought in the last 12 months.Recent Insider Transactions • Mar 06Independent Director recently sold €349k worth of stockOn the 5th of March, William Mulligan sold around 20k shares on-market at roughly €17.46 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €354k more than they bought in the last 12 months.Is New 90 Day High Low • Feb 23New 90-day high: €16.50The company is up 10.0% from its price of €15.00 on 25 November 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 2.0% over the same period.Reported Earnings • Feb 12First quarter 2021 earnings released: EPS US$0.089 (vs US$0.092 in 1Q 2020)The company reported a soft first quarter result with weaker earnings and profit margins, although revenues improved. First quarter 2021 results: Revenue: US$82.2m (up 3.9% from 1Q 2020). Net income: US$24.6m (down 2.5% from 1Q 2020). Profit margin: 30% (down from 32% in 1Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.Reported Earnings • Jan 30First quarter 2021 earnings released: EPS US$0.091 (vs US$0.092 in 1Q 2020)The company reported a mediocre first quarter result with weaker profit margins, although earnings were flat and revenues improved. First quarter 2021 results: Revenue: US$82.2m (up 3.9% from 1Q 2020). Net income: US$25.0m (flat on 1Q 2020). Profit margin: 30% (down from 32% in 1Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.お知らせ • Jan 16TFS Financial Corporation, Annual General Meeting, Feb 25, 2021TFS Financial Corporation, Annual General Meeting, Feb 25, 2021, at 09:00 US Eastern Standard Time. Agenda: To consider election of directors; To consider advisory vote on executive compensation; and To consider ratification of the Selection of Deloitte & Touche LLP as the Company's Independent Accountant.Is New 90 Day High Low • Jan 08New 90-day high: €15.40The company is up 12% from its price of €13.80 on 09 October 2020. The German market is up 8.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Mortgage industry, which is up 23% over the same period.Reported Earnings • Nov 26Full year 2020 earnings released: EPS US$0.30The company reported a decent full year result with improved earnings and profit margins, although revenues were weaker. Full year 2020 results: Revenue: US$292.5m (down 1.1% from FY 2019). Net income: US$81.7m (up 3.8% from FY 2019). Profit margin: 28% (up from 27% in FY 2019). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.Upcoming Dividend • Nov 24Upcoming Dividend of US$0.28 Per ShareWill be paid on the 15th of December to those who are registered shareholders by the 30th of November. The trailing yield of 6.6% is in the top quartile of German dividend payers (3.6%), and it is higher than industry peers (5.1%).Is New 90 Day High Low • Nov 11New 90-day high: €13.90The company is up 6.0% from its price of €13.10 on 12 August 2020. The German market is flat over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Mortgage industry, which is up 12% over the same period.Reported Earnings • Oct 30Full year earnings released - EPS €0.30Over the last 12 months the company has reported total profits of US$83.3m, up 5.8% from the prior year. Total revenue was US$292.5m over the last 12 months, down 1.2% from the prior year. Profit margins were 28%, which is higher than the 27% margin from last year. The increase in margin was driven by lower expenses.Is New 90 Day High Low • Oct 08New 90-day high: €13.50The company is up 15% from its price of €11.70 on 10 July 2020. The German market is up 3.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 6.0% over the same period.株主還元PWTDE BanksDE 市場7D3.0%-0.08%-0.8%1Y19.3%33.8%0.2%株主還元を見る業界別リターン: PWT過去 1 年間で33.8 % の収益を上げたGerman Banks業界を下回りました。リターン対市場: PWT過去 1 年間で0.2 % の収益を上げたGerman市場を上回りました。価格変動Is PWT's price volatile compared to industry and market?PWT volatilityPWT Average Weekly Movement4.0%Banks Industry Average Movement4.0%Market Average Movement5.9%10% most volatile stocks in DE Market12.6%10% least volatile stocks in DE Market2.8%安定した株価: PWT 、 German市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: PWTの 週次ボラティリティ ( 4% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1938958Marc Stefanskiwww.thirdfederal.comTFSファイナンシャル・コーポレーションは子会社を通じ、米国で消費者向けリテール・バンキング・サービスを提供している。同社の預金商品には、普通預金、マネー・マーケット、当座預金、個人退職年金、その他適格プランの口座、譲渡性預金などがある。また、住宅用不動産モーゲージ・ローン、住宅建設ローン、購入用モーゲージ、ホーム・エクイティ・ローンおよびクレジット・ライン、購入用モーゲージ、第一抵当権の借り換えローンも提供している。さらに、エスクローおよび決済サービスも提供している。同社はオハイオ州クリーブランドに本店を構え、オハイオ州およびフロリダ州全土に複数の支店およびローンプロダクション事務所を置き、商品とサービスを提供している。TFSファイナンシャル・コーポレーションは1938年に設立され、オハイオ州クリーブランドに本社を置いている。TFSファイナンシャル・コーポレーションはクリーブランド第3連邦貯蓄貸付組合（MHC）の子会社である。もっと見るTFS Financial Corporation 基礎のまとめTFS Financial の収益と売上を時価総額と比較するとどうか。PWT 基礎統計学時価総額€3.81b収益（TTM）€78.84m売上高(TTM)€288.47m49.7xPER（株価収益率2.4xPBR（株価純資産倍率PWT は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計PWT 損益計算書（TTM）収益US$335.00m売上原価US$0売上総利益US$335.00mその他の費用US$243.44m収益US$91.56m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）0.33グロス・マージン100.00%純利益率27.33%有利子負債／自己資本比率269.0%PWT の長期的なパフォーマンスは？過去の実績と比較を見る配当金6.9%現在の配当利回り344%配当性向PWT 配当は確実ですか？PWT 配当履歴とベンチマークを見るPWT 、いつまでに購入すれば配当金を受け取れますか？TFS Financial 配当日配当落ち日Jun 10 2026配当支払日Jun 24 2026配当落ちまでの日数5 days配当支払日までの日数19 daysPWT 配当は確実ですか？PWT 配当履歴とベンチマークを見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/04 09:11終値2026/06/04 00:00収益2026/03/31年間収益2025/09/30データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋TFS Financial Corporation 2 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。3 アナリスト機関Damon DelMonteKeefe, Bruyette, & WoodsChristopher Whitbread NolanMaxim GroupAdam KrollPiper Sandler Companies
Declared Dividend • Jun 01Second quarter dividend of US$0.28 announcedShareholders will receive a dividend of US$0.28. Ex-date: 10th June 2026 Payment date: 24th June 2026 Dividend yield will be 7.6%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 11% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 282% to bring the payout ratio under control. EPS is expected to grow by 8.4% over the next year, which means the dividend may need to be reduced to reach a sustainable payout ratio.
お知らせ • May 29TFS Financial Corporation Declares Quarterly Dividend, Payable on June 24, 2026TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 24, 2026, to stockholders of record on June 10, 2026.
Board Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 8 highly experienced directors. Independent Director Terry Bauer was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Feb 27TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 25, 2026TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 25, 2026, to stockholders of record on March 11, 2026.
お知らせ • Jan 15TFS Financial Corporation, Annual General Meeting, Feb 26, 2026TFS Financial Corporation, Annual General Meeting, Feb 26, 2026. Location: at the offices of third federal savings and loan, 7007 broadway avenue, ohio 44105, cleveland United States
お知らせ • Nov 21TFS Financial Corporation Declares Quarterly Dividend, Payable on December 16, 2025TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 16, 2025, to stockholders of record on December 2, 2025.
Declared Dividend • Jun 01Second quarter dividend of US$0.28 announcedShareholders will receive a dividend of US$0.28. Ex-date: 10th June 2026 Payment date: 24th June 2026 Dividend yield will be 7.6%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 11% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 282% to bring the payout ratio under control. EPS is expected to grow by 8.4% over the next year, which means the dividend may need to be reduced to reach a sustainable payout ratio.
お知らせ • May 29TFS Financial Corporation Declares Quarterly Dividend, Payable on June 24, 2026TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 24, 2026, to stockholders of record on June 10, 2026.
Board Change • May 20Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 8 highly experienced directors. Independent Director Terry Bauer was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Feb 27TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 25, 2026TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 25, 2026, to stockholders of record on March 11, 2026.
お知らせ • Jan 15TFS Financial Corporation, Annual General Meeting, Feb 26, 2026TFS Financial Corporation, Annual General Meeting, Feb 26, 2026. Location: at the offices of third federal savings and loan, 7007 broadway avenue, ohio 44105, cleveland United States
お知らせ • Nov 21TFS Financial Corporation Declares Quarterly Dividend, Payable on December 16, 2025TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 16, 2025, to stockholders of record on December 2, 2025.
お知らせ • Aug 29+ 1 more updateTFS Financial Corporation Declares Quarterly Cash Dividend, Payable on September 24, 2025TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on September 24, 2025, to stockholders of record on September 10, 2025.
お知らせ • May 30TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on June 24, 2025On May 29, 2025, TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 24, 2025, to stockholders of record on June 10, 2025.
お知らせ • Feb 21TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 20, 2025TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 20, 2025, to stockholders of record on March 6, 2025.
お知らせ • Jan 13TFS Financial Corporation, Annual General Meeting, Feb 20, 2025TFS Financial Corporation, Annual General Meeting, Feb 20, 2025. Location: at the offices of third federal savings and loan, 7007 broadway avenue, ohio 44105, cleveland United States
お知らせ • Nov 22TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on December 17, 2024TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 17, 2024, to stockholders of record on December 3, 2024.
Reported Earnings • Nov 03Full year 2024 earnings released: EPS: US$0.29 (vs US$0.27 in FY 2023)Full year 2024 results: EPS: US$0.29 (up from US$0.27 in FY 2023). Revenue: US$304.7m (flat on FY 2023). Net income: US$79.6m (up 8.0% from FY 2023). Profit margin: 26% (up from 24% in FY 2023). Net interest margin (NIM): 1.69% (down from 1.80% in FY 2023). Non-performing loans: 0.22% (up from 0.21% in FY 2023). Revenue is forecast to stay flat during the next 2 years compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.
お知らせ • Oct 25TFS Financial Corporation Announces the Appointment of Terrence L. Bauer to the BoardOn October 24, 2024, TFS Financial Corporation appointed Terrence L. Bauer to fill the vacant board position created by the Bylaw amendment described. Mr. Bauer has more than three decades of experience in executive leadership roles in both entrepreneurial and established companies. He currently serves as Chief Executive Officer of Specialdocs Consultants, a role he has held since 2016. As CEO, Mr. Bauer drives growth and long-term strategic planning for the company and its medical practice clients, while navigating the competitive US healthcare system.
New Risk • Oct 02New major risk - Dividend sustainabilityThe dividend is not well covered by earnings. It is also not forecast to be well covered by earnings in 3 years. Payout ratio: 395% Payout ratio in 3 years: 411% Current dividend yield: 9.0% This is considered a major risk. Companies that pay out too much of their earnings are at risk of having to reduce or cut their dividend in future. If earnings growth slows or earnings fall, then there may not be enough earnings to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risks Dividend is not well covered by earnings. It is also not forecast to be well covered by earnings in 3 years. Payout ratio: 395% Payout ratio in 3 years: 411% Earnings are forecast to decline by an average of 0.3% per year for the foreseeable future. Minor Risk Significant insider selling over the past 3 months (€730k sold).
Declared Dividend • Sep 02Third quarter dividend of US$0.28 announcedShareholders will receive a dividend of US$0.28. Ex-date: 10th September 2024 Payment date: 24th September 2024 Dividend yield will be 8.8%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 339% to bring the payout ratio under control. However, EPS is expected to decline by 6.5% over the next year, which means the dividend may need to be reduced to reach a sustainable payout ratio.
お知らせ • Aug 30TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on September 24, 2024TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on September 24, 2024, to stockholders of record on September 10, 2024.
Reported Earnings • Jul 31Third quarter 2024 earnings released: EPS: US$0.072 (vs US$0.062 in 3Q 2023)Third quarter 2024 results: EPS: US$0.072 (up from US$0.062 in 3Q 2023). Revenue: US$76.0m (up 1.9% from 3Q 2023). Net income: US$20.0m (up 16% from 3Q 2023). Profit margin: 26% (up from 23% in 3Q 2023). The increase in margin was primarily driven by lower expenses. Revenue is forecast to stay flat during the next 2 years compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
New Risk • Jul 23New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 5.1% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 5.1% per year for the foreseeable future. Minor Risks Dividend is not well covered by earnings (407% payout ratio). Significant insider selling over the past 3 months (€431k sold).
お知らせ • May 31TFS Financial Corporation Declares Dividend, Payable on June 25, 2024TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 25, 2024, to stockholders of record on June 11, 2024.
New Risk • May 03New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.5% per year for the foreseeable future. Minor Risk Dividend is not well covered by earnings (408% payout ratio).
New Risk • May 01New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.5% per year for the foreseeable future. Minor Risk Dividend is not well covered by earnings (204% payout ratio).
Reported Earnings • May 01Second quarter 2024 earnings released: EPS: US$0.074 (vs US$0.056 in 2Q 2023)Second quarter 2024 results: EPS: US$0.074 (up from US$0.056 in 2Q 2023). Revenue: US$78.1m (up 3.3% from 2Q 2023). Net income: US$20.7m (up 33% from 2Q 2023). Profit margin: 27% (up from 21% in 2Q 2023). The increase in margin was primarily driven by lower expenses. Revenue is forecast to stay flat during the next 2 years compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has fallen by 11% per year, which means it is performing significantly worse than earnings.
Declared Dividend • Mar 04First quarter dividend of US$0.28 announcedShareholders will receive a dividend of US$0.28. Ex-date: 6th March 2024 Payment date: 21st March 2024 Dividend yield will be 9.0%, which is higher than the industry average of 4.8%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. The company's earnings per share (EPS) would need to grow by 383% to bring the payout ratio under control. However, EPS is expected to decline by 4.4% over the next year, which means the dividend may need to be reduced to reach a sustainable payout ratio.
お知らせ • Feb 23TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 21, 2024TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 21, 2024, to stockholders of record on March 7, 2024.
Reported Earnings • Jan 31First quarter 2024 earnings released: EPS: US$0.075 (vs US$0.079 in 1Q 2023)First quarter 2024 results: EPS: US$0.075 (down from US$0.079 in 1Q 2023). Revenue: US$76.4m (down 6.0% from 1Q 2023). Net income: US$20.7m (down 5.0% from 1Q 2023). Profit margin: 27% (in line with 1Q 2023). Revenue is expected to decline by 1.6% p.a. on average during the next 2 years, while revenues in the Banks industry in Europe are expected to grow by 2.1%. Over the last 3 years on average, earnings per share has fallen by 3% per year whereas the company’s share price has fallen by 4% per year.
お知らせ • Jan 31TFS Financial Corporation Announces Kathleen (Kitty) M. Danckers, to Retire as Chief Risk Officer in June 2024Kathleen (Kitty) M. Danckers, the Chief Risk Officer for TFS Financial Corporation, announced that she will be retiring from employment in June 2024. Deborah Hand, who has been with the Association since 2008 and currently serves as Chief Credit Officer, will become the new Chief Risk Officer at that time.
お知らせ • Jan 11TFS Financial Corporation, Annual General Meeting, Feb 22, 2024TFS Financial Corporation, Annual General Meeting, Feb 22, 2024, at 09:00 US Eastern Standard Time. Location: the offices of Third Federal Savings and Loan, 7007 Broadway Avenue, Cleveland, Ohio 44105, Ohio United States Agenda: To discuss elect three directors, each to hold office for a three-year term and until his or her successor has been duly elected and qualified; to discuss an advisory vote on the compensation of named executive officers; to ratify the selection of Deloitte & Touche LLP as the Company’s independent accountant for the Company’s fiscal year ending September 30, 2024; and to transact all other business that properly comes before the meeting.
New Risk • Dec 08New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: €306k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 4.5% per year for the foreseeable future. Minor Risks Dividend is not well covered by earnings (425% payout ratio). Significant insider selling over the past 3 months (€306k sold).
Upcoming Dividend • Nov 21Upcoming dividend of US$0.28 per share at 8.3% yieldEligible shareholders must have bought the stock before 28 November 2023. Payment date: 13 December 2023. Trailing yield: 8.3%. Within top quartile of German dividend payers (5.0%). Higher than average of industry peers (6.4%).
お知らせ • Nov 17TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on December 13, 2023TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 13, 2023, to stockholders of record on November 29, 2023.
Reported Earnings • Oct 27Full year 2023 earnings released: EPS: US$0.27 (vs US$0.26 in FY 2022)Full year 2023 results: EPS: US$0.27 (up from US$0.26 in FY 2022). Revenue: US$306.5m (up 5.6% from FY 2022). Net income: US$75.3m (up 3.0% from FY 2022). Profit margin: 25% (in line with FY 2022). Over the last 3 years on average, earnings per share has fallen by 3% per year whereas the company’s share price has fallen by 8% per year.
お知らせ • Sep 01TFS Financial Corporation Declares Quarterly Dividend, Payable on September 26, 2023TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on September 26, 2023, to stockholders of record on September 12, 2023.
Reported Earnings • Jul 28Third quarter 2023 earnings released: EPS: US$0.063 (vs US$0.06 in 3Q 2022)Third quarter 2023 results: EPS: US$0.063 (up from US$0.06 in 3Q 2022). Revenue: US$74.6m (up 2.3% from 3Q 2022). Net income: US$17.6m (up 4.9% from 3Q 2022). Profit margin: 24% (in line with 3Q 2022). Revenue is expected to decline by 9.7% p.a. on average during the next 2 years, while revenues in the Diversified Financial industry in Germany are expected to grow by 8.3%. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
お知らせ • May 19TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on June 13, 2023TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 13, 2023, to stockholders of record on May 30, 2023.
Recent Insider Transactions • May 05Independent Director recently bought €125k worth of stockOn the 2nd of May, Daniel Weir bought around 12k shares on-market at roughly €10.84 per share. This transaction amounted to 9.3% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €46k more in shares than they bought in the last 12 months.
Reported Earnings • Apr 30Second quarter 2023 earnings released: EPS: US$0.057 (vs US$0.056 in 2Q 2022)Second quarter 2023 results: EPS: US$0.057 (up from US$0.056 in 2Q 2022). Revenue: US$75.6m (up 9.0% from 2Q 2022). Net income: US$15.9m (up 2.8% from 2Q 2022). Profit margin: 21% (down from 22% in 2Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 6% per year whereas the company’s share price has fallen by 4% per year.
Reported Earnings • Jan 27First quarter 2023 earnings released: EPS: US$0.08 (vs US$0.057 in 1Q 2022)First quarter 2023 results: EPS: US$0.08 (up from US$0.057 in 1Q 2022). Revenue: US$81.3m (up 20% from 1Q 2022). Net income: US$22.2m (up 41% from 1Q 2022). Profit margin: 27% (up from 23% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to stay flat during the next 2 years compared to a 5.1% growth forecast for the Mortgage industry in Europe. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 10% per year.
お知らせ • Jan 12TFS Financial Corporation, Annual General Meeting, Feb 23, 2023TFS Financial Corporation, Annual General Meeting, Feb 23, 2023, at 09:00 US Eastern Standard Time. Location: The offices of Third Federal Savings and Loan 7007 Broadway Avenue Cleveland Ohio United States Agenda: To consider the election of four directors; to consider an advisory vote on the compensation of the company's named executive officers; and to ratify the selection of Deloitte & Touche LLP as the Company’s independent accountant for the Company’s fiscal year ending September 30, 2023.
Recent Insider Transactions • Dec 10COO & Director recently sold €95k worth of stockOn the 8th of December, Meredith Weil sold around 7k shares on-market at roughly €13.22 per share. This transaction amounted to 6.0% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Meredith's only on-market trade for the last 12 months.
Reported Earnings • Nov 24Full year 2022 earnings released: EPS: US$0.26 (vs US$0.29 in FY 2021)Full year 2022 results: EPS: US$0.26 (down from US$0.29 in FY 2021). Revenue: US$290.2m (down 1.9% from FY 2021). Net income: US$73.1m (down 8.1% from FY 2021). Profit margin: 25% (down from 27% in FY 2021). Net interest margin (NIM): 1.88% (up from 1.66% in FY 2021). Cost-to-income ratio: 68.0% (down from 68.3% in FY 2021). Non-performing loans: 0.25% (down from 0.35% in FY 2021). Revenue is forecast to grow 2.3% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Mortgage industry in Europe. Over the last 3 years on average, earnings per share has fallen by 8% per year whereas the company’s share price has fallen by 10% per year.
Upcoming Dividend • Nov 21Upcoming dividend of US$0.28 per shareEligible shareholders must have bought the stock before 28 November 2022. Payment date: 13 December 2022. Trailing yield: 8.0%. Within top quartile of German dividend payers (4.8%). Higher than average of industry peers (6.5%).
お知らせ • Nov 16TFS Financial Corporation Declares Quarterly Dividend, Payable on December 13, 2022TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on December 13, 2022, to stockholders of record on November 29, 2022.
Reported Earnings • Oct 30Full year 2022 earnings released: EPS: US$0.27 (vs US$0.29 in FY 2021)Full year 2022 results: EPS: US$0.27 (down from US$0.29 in FY 2021). Revenue: US$290.2m (down 1.9% from FY 2021). Net income: US$74.6m (down 6.2% from FY 2021). Profit margin: 26% (down from 27% in FY 2021). Net interest margin (NIM): 1.88% (up from 1.66% in FY 2021). Non-performing loans: 0.25% (down from 0.35% in FY 2021). Revenue is forecast to grow 3.6% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Mortgage industry in Europe. Over the last 3 years on average, earnings per share has fallen by 8% per year and the company’s share price has also fallen by 8% per year.
お知らせ • Aug 26TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on September 20, 2022TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on September 20, 2022, to stockholders of record on September 6, 2022.
Recent Insider Transactions • Aug 24Independent Director recently sold €94k worth of stockOn the 22nd of August, Martin Cohen sold around 6k shares on-market at roughly €14.99 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €73k more than they bought in the last 12 months.
Board Change • Jul 31High number of new directorsDirector Daniel Weir was the last director to join the board, commencing their role in 2022.
Reported Earnings • Jul 30Third quarter 2022 earnings released: EPS: US$0.062 (vs US$0.056 in 3Q 2021)Third quarter 2022 results: EPS: US$0.062 (up from US$0.056 in 3Q 2021). Revenue: US$73.0m (up 8.1% from 3Q 2021). Net income: US$17.1m (up 9.8% from 3Q 2021). Profit margin: 24% (in line with 3Q 2021). Over the next year, revenue is expected to shrink by 3.2% compared to a 11% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 4% per year.
お知らせ • Jul 02TFS Financial Corporation Appoints Daniel F. Weir to BoardTFS Financial Corporation appointed Daniel F. Weir to fill the vacant board position created by the Bylaw amendment. Mr. Weir has more than 30 years of banking experience, most recently serving as a member of the management team at Third Federal Savings and Loan Association of Cleveland, the primary operating subsidiary of the Company, until his retirement in 2005. He is a past member of the Board of Trustees for the Urban Community School in Cleveland, and is a past member of the Board of Directors and Treasurer for the Naples Press Club of Southwest Florida.
お知らせ • Jun 26TFS Financial Corporation(NasdaqGS:TFSL) dropped from Russell 1000 Dynamic IndexTFS Financial Corporation(NasdaqGS:TFSL) dropped from Russell 1000 Dynamic Index
お知らせ • May 27TFS Financial Corporation Declares Dividend, Payable on June 21, 2022TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on June 21, 2022, to stockholders of record on June 7, 2022.
Reported Earnings • May 01Second quarter 2022 earnings released: EPS: US$0.057 (vs US$0.082 in 2Q 2021)Second quarter 2022 results: EPS: US$0.057 (down from US$0.082 in 2Q 2021). Revenue: US$69.3m (down 11% from 2Q 2021). Net income: US$15.8m (down 30% from 2Q 2021). Profit margin: 23% (down from 29% in 2Q 2021). The decrease in margin was driven by lower revenue. Over the next year, revenue is forecast to grow 3.9%, compared to a 11% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 5% per year whereas the company’s share price has fallen by 3% per year.
お知らせ • Feb 25TFS Financial Corporation Declares Quarterly Cash Dividend, Payable on March 22, 2022TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.2825 per share, payable on March 22, 2022, to stockholders of record on March 8, 2022.
お知らせ • Jan 30TFS Financial Corporation Announces Resignation of Ben S. Stefanski III, A Director from the Board of DirectorsBen S. Stefanski III, a director of the TFS Financial Corporation, has announced his resignation from the Board of Directors effective January 27, 2022. The organization is grateful to Mr. Stefanski for his years of service and contributions to the Company as both a board member and as an executive officer. His position on the Board is not expected to be filled.
Reported Earnings • Jan 29First quarter 2022 earnings: Revenues and EPS in line with analyst expectationsFirst quarter 2022 results: EPS: US$0.058 (down from US$0.089 in 1Q 2021). Revenue: US$68.0m (down 17% from 1Q 2021). Net income: US$16.1m (down 34% from 1Q 2021). Profit margin: 24% (down from 30% in 1Q 2021). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Over the next year, revenue is expected to shrink by 11% compared to a 14% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.
Reported Earnings • Oct 30Full year 2021 earnings released: EPS US$0.29 (vs US$0.30 in FY 2020)The company reported a solid full year result with improved revenues, although earnings and profit margins were flat. Full year 2021 results: Revenue: US$295.9m (up 1.2% from FY 2020). Net income: US$81.0m (flat on FY 2020). Profit margin: 27% (in line with FY 2020). Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.
Reported Earnings • Jul 30Third quarter 2021 earnings released: EPS US$0.058 (vs US$0.096 in 3Q 2020)The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$67.5m (down 14% from 3Q 2020). Net income: US$16.0m (down 40% from 3Q 2020). Profit margin: 24% (down from 34% in 3Q 2020). Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.
お知らせ • May 28TFS Financial Corporation Declares Quarterly Dividend, Payable on June 22, 2021TFS Financial Corporation announced that the Board of Directors declared a quarterly cash dividend of $0.28 per share, payable on June 22, 2021, to stockholders of record on June 8, 2021.
Reported Earnings • May 01Second quarter 2021 earnings released: EPS US$0.083 (vs US$0.061 in 2Q 2020)The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: US$78.1m (up 15% from 2Q 2020). Net income: US$23.0m (up 36% from 2Q 2020). Profit margin: 30% (up from 25% in 2Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 1% per year but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.
Recent Insider Transactions • Mar 16Independent Director recently sold €268k worth of stockOn the 12th of March, Robert Fiala sold around 15k shares on-market at roughly €17.86 per share. In the last 3 months, there was an even bigger sale from another insider worth €349k. Insiders have been net sellers, collectively disposing of €622k more than they bought in the last 12 months.
Recent Insider Transactions • Mar 06Independent Director recently sold €349k worth of stockOn the 5th of March, William Mulligan sold around 20k shares on-market at roughly €17.46 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €354k more than they bought in the last 12 months.
Is New 90 Day High Low • Feb 23New 90-day high: €16.50The company is up 10.0% from its price of €15.00 on 25 November 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 2.0% over the same period.
Reported Earnings • Feb 12First quarter 2021 earnings released: EPS US$0.089 (vs US$0.092 in 1Q 2020)The company reported a soft first quarter result with weaker earnings and profit margins, although revenues improved. First quarter 2021 results: Revenue: US$82.2m (up 3.9% from 1Q 2020). Net income: US$24.6m (down 2.5% from 1Q 2020). Profit margin: 30% (down from 32% in 1Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.
Reported Earnings • Jan 30First quarter 2021 earnings released: EPS US$0.091 (vs US$0.092 in 1Q 2020)The company reported a mediocre first quarter result with weaker profit margins, although earnings were flat and revenues improved. First quarter 2021 results: Revenue: US$82.2m (up 3.9% from 1Q 2020). Net income: US$25.0m (flat on 1Q 2020). Profit margin: 30% (down from 32% in 1Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.
お知らせ • Jan 16TFS Financial Corporation, Annual General Meeting, Feb 25, 2021TFS Financial Corporation, Annual General Meeting, Feb 25, 2021, at 09:00 US Eastern Standard Time. Agenda: To consider election of directors; To consider advisory vote on executive compensation; and To consider ratification of the Selection of Deloitte & Touche LLP as the Company's Independent Accountant.
Is New 90 Day High Low • Jan 08New 90-day high: €15.40The company is up 12% from its price of €13.80 on 09 October 2020. The German market is up 8.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Mortgage industry, which is up 23% over the same period.
Reported Earnings • Nov 26Full year 2020 earnings released: EPS US$0.30The company reported a decent full year result with improved earnings and profit margins, although revenues were weaker. Full year 2020 results: Revenue: US$292.5m (down 1.1% from FY 2019). Net income: US$81.7m (up 3.8% from FY 2019). Profit margin: 28% (up from 27% in FY 2019). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 2% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.
Upcoming Dividend • Nov 24Upcoming Dividend of US$0.28 Per ShareWill be paid on the 15th of December to those who are registered shareholders by the 30th of November. The trailing yield of 6.6% is in the top quartile of German dividend payers (3.6%), and it is higher than industry peers (5.1%).
Is New 90 Day High Low • Nov 11New 90-day high: €13.90The company is up 6.0% from its price of €13.10 on 12 August 2020. The German market is flat over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Mortgage industry, which is up 12% over the same period.
Reported Earnings • Oct 30Full year earnings released - EPS €0.30Over the last 12 months the company has reported total profits of US$83.3m, up 5.8% from the prior year. Total revenue was US$292.5m over the last 12 months, down 1.2% from the prior year. Profit margins were 28%, which is higher than the 27% margin from last year. The increase in margin was driven by lower expenses.
Is New 90 Day High Low • Oct 08New 90-day high: €13.50The company is up 15% from its price of €11.70 on 10 July 2020. The German market is up 3.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Mortgage industry, which is up 6.0% over the same period.
