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TFS Financial

NSQ:TFSL · US87240R1077
BanksSmall

360

5
Profit price1
Cash yield100
Price/Sales1
EV / Gross Profit3
Price/Book1
Returns on capital10
Profit margins—
Cash Conversion39
Accruals49
Owner Earnings Margin51
Sales growth37
Profit Growth65
Owner Earnings Growth37
Reinvestment88
Price momentum59
Debt load12
Debt serviceability79
Liquidity25
Analyst ratings1
Opinion Changes50
Price Target Upside6
Market mood68
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

TFS Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1996
Employees474
Websiteir.thirdfederal.com
ISINUS87240R1077
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Finance

Description

TFS Financial Corporation, through its subsidiaries, operates as a federally chartered stock holding company. The company is a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC. The principal line of business of the company…

Analysis

Story stock

TFS Financial Corporation trades at an expensive price on a weak set of business metrics, a combination we flag as a story stock.

On valuation, the picture is expensive. The owner-earnings multiple stands at 43.4×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
21
2023202420252026

All-time high

21

Jun 2026

All-time low

3

Jan 2023

Average rank

10

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
1
1
1
1
Price/Earnings
1
5
1
1
Price/Book
1
1
1
3
Dividend Yield
100
100
100
100
Value (overall)
11
15
11
11

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →