Loading...
TFSL logo

TFS Financial CorporationNasdaqGS:TFSL 주식 보고서

시가총액 US$4.8b
주가
n/a
1Y26.9%
7D-2.4%
1D0.2%
포트폴리오 가치
​
보기

TFS Financial Corporation

NasdaqGS:TFSL 주식 리포트

시가총액: US$4.8b

TFS Financial (TFSL) 주식 개요

TFS Financial Corporation은 자회사를 통해 미국에서 소매 소비자 금융 서비스를 제공하고 있습니다. 자세히 보기

TFSL 펀더멘털 분석
스노우플레이크 점수
가치 평가0/6
미래 성장1/6
과거 실적4/6
재무 건전성5/6
배당4/6

강점

수익은 매년 6.26% 증가할 것으로 예상됩니다.

지난 5년 동안 수입이 매년 5.4% 증가했습니다.

위험 분석

6.62%의 배당금은 수익으로 잘 충당되지 않으며 3년 후에도 그럴 것으로 예상되지 않습니다.


TFSL Community Fair Values

Create Narrative

See what 6 others think this stock is worth. Follow their fair value or set your own to get alerts.

NEW437,855 members

Join community and earn perks

Gain real feedbackFrom our editorial team, personally. Not silence.
Grow your followingReal investors. The kind who actually invest, not scroll past.
Unlock free accessFree premium subscription for consistent and quality authors.
Learn moreCreate Narrative
B
BlackGoat
R
RockeTeller
I
Investingwilly
D
davidlsander
437,855 investors already sharing narratives
View all narratives

TFS Financial Corporation 경쟁사

가격 이력 및 성과

TFS Financial 주가의 최고가, 최저가 및 변동 요약
과거 주가
현재 주가US$17.08
52주 최고가US$19.49
52주 최저가US$12.54
베타0.73
1개월 변동-0.93%
3개월 변동0.95%
1년 변동26.89%
3년 변동33.75%
5년 변동-8.02%
IPO 이후 변동44.87%

최근 뉴스 및 업데이트

Seeking Alpha • Aug 18

TFS Financial: An Ohio Regional Bank With An Earnings Beat And Loan Growth

Summary TFS Financial, the parent of Third Federal S&L, gets a buy rating for my first coverage. Key positives include loan growth in recent earnings results, revenue trends and EPS showing durability and resilience. The high dividend yield can help boost the total return, but dividend safety is in question due to the high payout ratio. This stock outperformed the S&P 500 so far this year, showing market momentum. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Aug 18

TFS Financial: An Ohio Regional Bank With An Earnings Beat And Loan Growth

Summary TFS Financial, the parent of Third Federal S&L, gets a buy rating for my first coverage. Key positives include loan growth in recent earnings results, revenue trends and EPS showing durability and resilience. The high dividend yield can help boost the total return, but dividend safety is in question due to the high payout ratio. This stock outperformed the S&P 500 so far this year, showing market momentum. Read the full article on Seeking Alpha
분석 기사 • 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 • 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.

주주 수익률

TFSLUS BanksUS 시장
7D-2.4%-1.4%-2.2%
1Y26.9%17.6%13.1%

수익률 대 산업: TFSL은 지난 1년 동안 17.6%의 수익을 기록한 US Banks 산업보다 더 좋은 성과를 냈습니다.

수익률 대 시장: TFSL은 지난 1년 동안 13.1%를 기록한 US 시장보다 더 좋은 성과를 냈습니다.

주가 변동성

Is TFSL's price volatile compared to industry and market?
TFSL volatility
TFSL Average Weekly Movement2.7%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.4%
10% least volatile stocks in US Market2.9%

안정적인 주가: TFSL는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.

시간에 따른 변동성: TFSL의 주간 변동성(3%)은 지난 1년 동안 안정적이었습니다.

회사 소개

설립직원 수CEO웹사이트
1938958Marc Stefanskiwww.thirdfederal.com

TFS Financial Corporation은 자회사를 통해 미국에서 소매 소비자 금융 서비스를 제공합니다. 이 회사는 저축, 머니마켓, 수표, 개인 은퇴 및 기타 적격 플랜 계좌와 예금 증서를 포함한 예금 상품을 제공합니다. 또한 주거용 부동산 모기지 대출, 주택 건설 대출, 구매 모기지, 주택 담보 대출 및 신용 한도, 구매 모기지 및 첫 모기지 재융자 대출도 제공합니다.

TFS Financial Corporation 기초 지표 요약

TFS Financial의 순이익과 매출은 시가총액과 어떻게 비교됩니까?
TFSL 기초 통계
시가총액US$4.75b
순이익 (TTM)US$100.55m
매출 (TTM)US$347.23m
47.4x
주가수익비율(P/E)
2.4x
주가순자산비율(P/B)

TFSL는 고평가되어 있습니까?

공정 가치 및 평가 분석 보기

순이익 및 매출

최근 실적 보고서(TTM)의 주요 수익성 지표
TFSL 손익계산서 (TTM)
매출US$347.23m
매출원가US$0
총이익US$347.23m
기타 비용US$246.68m
순이익US$100.55m

최근 보고된 실적

Jun 30, 2026

다음 실적 발표일

해당 없음

주당순이익(EPS)0.36
총이익률100.00%
순이익률28.96%
부채/자본 비율299.2%

TFSL의 장기 실적은 어땠습니까?

과거 실적 및 비교 보기

배당

6.6%
현재 배당 수익률
313%
배당 성향

TFSL는 안정적으로 배당을 지급합니까?

TFSL 배당 기록 및 벤치마크 보기
다가오는 배당을 받으려면 언제까지 TFSL를 매수해야 하나요?
TFS Financial 배당 일정
배당락일Sep 09 2026
배당 지급일Sep 23 2026
배당락일까지 남은 일수3 days
배당 지급일까지 남은 일수11 days

TFSL는 안정적으로 배당을 지급합니까?

TFSL 배당 기록 및 벤치마크 보기

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/09/10 13:42
종가2026/09/10 00:00
수익2026/06/30
연간 수익2025/09/30

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
  • 회사 공시

* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.

Simply Wall St 분석 모델을 설계하고 구축한 에 대해 알아보세요.

산업 및 섹터 지표

산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.

분석가 소스

TFS Financial Corporation는 3명의 분석가가 다루고 있습니다. 이 중 2명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
Damon DelMonteKeefe, Bruyette, & Woods
Christopher Whitbread NolanMaxim Group
Adam KrollPiper Sandler Companies