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May 28, 2026·SEC
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Apr 30, 2026·SEC
TFS Financial Corporation(TFSL)Earnings, Financials & Key Ratios
TFSL•NASDAQ•Banking & Credit
$17.86
55.8× P/E·Price updated Jul 6, 2026
AboutTFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides residential real estate mortgage loans, residential construction loans, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, it offers escrow and settlement services. The company provides its products and services through its main office in Cleveland, Ohio; and 37 full-service branches and 7 loan production offices located throughout the states of Ohio and Florida. The company was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.Show more
- Net Interest Income$293M+5.1%
- Total Revenue$792M+4.4%
- Net Income$91M+14.3%
- Return on Equity4.84%+15.3%
- Net Interest Margin1.68%+2.9%
- Efficiency Ratio25.79%-4.2%
- ROA0.53%+12.5%
- Equity / Assets10.85%-0.4%
- Book Value per Share6.77+1.5%
TFSL Price & Volume
TFS Financial Corporation (TFSL) stock price & volume — 10-year historical chart
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Structural Margin Stagnation Limits Earnings Growth Potential
Investment Thesis • Updated 2026Q2
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Stable
Primary Risk:Interest rate margin compression
Key Thesis Takeaways
- TFS Financial Corporation maintains a highly conservative balance sheet strategy, characterized by a massive $16.9 billion investment securities portfolio that accounts for nearly 97% of its $17.5 billion in total assets.
- While the Mutual Holding Company structure provides stable capital support, the bank's persistent 0.4% net interest margin suggests a structural inability to capture upside from interest rate volatility.
- Investors should monitor the bank's reliance on fixed-rate mortgage assets, which may continue to constrain profitability and limit organic growth in the current rate environment.
Verdict Logic
the stock trades at a 54.66 P/E ratio, which appears difficult to justify given the persistent 0.4% net interest margin and stagnant asset growth.
TFSL Growth Metrics
TFS Financial Corporation (TFSL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.86%
5 Years9.26%
3 Years22.28%
TTM-
Profit CAGR
10 Years2.28%
5 Years1.77%
3 Years6.85%
TTM13.99%
EPS CAGR
10 Years2.5%
5 Years1.3%
3 Years7.17%
TTM14.57%
Return on Capital
10 Years1.92%
5 Years1.57%
3 Years1.45%
Last Year1.65%
TFSL Recent Earnings
TFS Financial Corporation (TFSL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.08+0.0%
$0.08
Rev
$85M+0.6%
$85M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.08-11.1%
$0.09
Rev
$84M-2.5%
$86M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.09+12.5%
$0.08
Rev
$85M+1.3%
$84M
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$0.08+0.0%
$0.08
Rev
$82M-0.2%
$82M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.08vs $0.08+0.0% | $85Mvs $85M+0.6% |
| Q1 2026 | Jan 29, 2026 | $0.08vs $0.09-11.1% | $84Mvs $86M-2.5% |
| Q4 2025 | Oct 30, 2025 | $0.09vs $0.08+12.5% | $85Mvs $84M+1.3% |
| Q3 2025 | Jul 30, 2025 | $0.08vs $0.08+0.0% | $82Mvs $82M-0.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for TFS Financial Corporation (TFSL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $17.86 | $5.01B | 55.81 | 4.37% | 11.49% | 4.84% | 1.19% | |
| $38.16 | $2.82B | 14.51 | -1.58% | 18.26% | 8.36% | — | |
| $28.74 | $5.79B | 11.93 | -5.35% | 34.84% | 11.29% | — | |
| $30.84 | $424.61M | 9.04 | 7.1% | 18.78% | 9.85% | — | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $83.75 | $4.37B | 9.01 | 173.81% | 14.31% | 12.02% | — |
Compare TFSL vs Peers
TFS Financial Corporation (TFSL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TFSL SEC Filings & Documents
TFS Financial Corporation (TFSL) SEC filings — annual & quarterly reports (10-K, 10-Q)
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TFSL Frequently Asked Questions
TFS Financial Corporation (TFSL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is TFS Financial Corporation growing?
TFS Financial Corporation (TFSL) grew revenue by 4.4% over the past year. Growth has been modest.
Is TFSL profitable?
Yes, TFS Financial Corporation (TFSL) is profitable, generating $93.0M in net income for fiscal year 2025 (11.5% net margin).
Dividend & Returns
Does TFSL pay dividends?
Yes, TFS Financial Corporation (TFSL) pays a dividend with a yield of 1.19%. This makes it attractive for income-focused investors.
What is TFSL's return on equity?
TFS Financial Corporation (TFSL) has a return on equity (ROE) of 4.8%. This is below average, suggesting room for improvement.
Industry Metrics
What is TFS Financial Corporation's net interest margin?
TFS Financial Corporation (TFSL) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.
What is TFS Financial Corporation's efficiency ratio?
TFS Financial Corporation (TFSL) has an efficiency ratio of 25.8%. This is excellent, indicating strong cost control.