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TFS Financial Corporation

TFS Financial Corporation

TFSL · NASDAQ · Financial Services / Banks - Regional

16.38USD+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close16.38
Open16.47
Day Range16.32 – 16.47
52-Week Range11.62 – 19.13
Volume585.30K
Market Cap4.61B
P/E (TTM)47.00
Forward P/E76.92
EPS0.35
Dividend Yield7.60%
Beta0.73
50-Day Avg17.54
200-Day Avg15.65

About

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Marc A. Stefanski
  • Employees958
  • Headquarters7007 Broadway Avenue, Cleveland, OH, United States, 44105, USA
  • Websitehttps://www.thirdfederal.com

Leadership

  • Mr. Marc A. StefanskiChairman, President & CEO · b. 1954
  • Ms. Meredith S. WeilCFO, Corporate Secretary & Treasurer · b. 1967
  • Mr. Andrew James RubinoVP & COO · b. 1976
  • Ms. Cathy W. ZbanekVP & Chief Synergy Officer of Third Federal Savings and Loan Association of Cleveland · b. 1973
  • Mr. Bradley T. StefanskiVP & Chief Strategy Officer of Third Federal Savings and Loan · b. 1989
  • Ms. Susanne Noel MillerChief Accounting Officer · b. 1966
  • Mr. Timothy W. MulhernVP & Chief Innovation Officer of Third Federal Savings and Loan Association of Cleveland · b. 1967
  • Mr. Gavin B. StefanskiChief Experience Officer of Third Federal Savings and Loan · b. 1989
  • Ms. Deborah L. HandChief Risk Officer · b. 1975
  • Ms. Sandra M. LongChief Consumer Banking Officer of Third Federal Savings and Loan Association of Cleveland · b. 1970

Financials

Income Statement

Currency: USD2002-09-302003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Total Revenue44.74M81.47M-453.84M479.41M589.11M594.47M555.43M495.86M458.48M442.32M412.44M396.58M407.74M413.39M428.84M464.58M502.55M508.55M444.65M433.14M305.00M758.78M791.96M
Growth (%)-+82.11%--+5.63%+22.88%+0.91%-6.57%-10.72%-7.54%-3.52%-6.75%-3.84%+2.81%+1.39%+3.74%+8.33%+8.17%+1.19%-12.56%-2.59%-29.58%+148.78%+4.37%
Cost of Revenue312.65M256.99M-233.62M295.19M354.12M364.82M372.15M316.38M278.35M257.65M152.42M122.25M110.35M110.03M113.10M151.10M206.67M216.03M148.72M142.94M326.85M454.12M472.99M
Gross Profit44.74M81.47M-220.22M184.22M234.99M229.65M183.28M179.47M180.13M184.67M260.02M274.33M297.39M303.37M315.75M313.48M295.88M292.52M295.93M290.20M305.00M304.66M318.97M
Gross Margin100.00%100.00%-48.52%38.43%39.89%38.63%33.00%36.19%39.29%41.75%63.04%69.17%72.94%73.38%73.63%67.48%58.88%57.52%66.55%67.00%100.00%40.15%40.28%
Operating Expense-292.00M-247.09M-123.21M122.52M191.11M147.96M163.21M161.26M168.06M171.06M177.66M175.48M187.99M181.00M182.40M192.31M193.67M192.27M195.84M198.15M211.63M204.35M204.26M
Operating Income336.74M328.56M55.47M97.01M61.71M43.88M81.69M20.07M18.21M12.07M13.61M82.36M98.86M109.39M122.36M133.34M121.16M102.21M100.25M100.09M92.05M93.37M100.31M114.72M
Operating Margin752.72%403.30%-21.38%12.87%7.45%13.74%3.61%3.67%2.63%3.08%19.97%24.93%26.83%29.60%31.09%26.08%20.34%19.71%22.51%21.25%30.61%13.22%14.48%
EBITDA336.74M328.56M55.47M116.43M73.30M50.76M90.54M38.58M36.68M31.48M36.38M103.68M112.14M126.85M141.73M154.23M146.35M125.16M133.06M132.66M119.09M93.37M119.35M137.76M
EBITDA Margin752.72%403.30%-25.65%15.29%8.62%15.23%6.95%7.40%6.87%8.22%25.14%28.28%31.11%34.29%35.96%31.50%24.91%26.17%29.84%27.49%30.61%15.73%17.40%
Net Income21.84M51.99M55.47M64.51M43.54M25.61M54.49M14.39M11.34M9.34M11.48M55.96M65.89M72.59M80.55M88.88M85.41M80.24M83.32M81.01M74.56M75.25M79.59M90.96M
Net Income Margin48.81%63.81%-14.21%9.08%4.35%9.17%2.59%2.29%2.04%2.60%13.57%16.61%17.80%19.49%20.72%18.38%15.97%16.38%18.22%17.22%24.67%10.49%11.49%
R&D--------000000000-------
R&D as % of Total Revenue--------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense306.85M253.20M0227.62M289.14M344.52M330.32M257.15M210.38M179.84M155.65M115.42M103.25M113.35M118.03M130.10M162.10M216.67M213.03M157.72M141.94M328.35M455.62M470.49M
Interest Expense % of Total Revenue685.90%310.79%-50.15%60.31%58.48%55.57%46.30%42.43%39.23%35.19%27.98%26.04%27.80%28.55%30.34%34.89%43.11%41.89%35.47%32.77%107.66%60.05%59.41%

Balance Sheet

Currency: USD2002-09-302003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Total Assets8.17B8.42B-8.91B8.60B10.28B10.79B10.60B11.08B10.89B11.52B11.27B11.80B12.37B12.91B13.69B14.14B14.54B14.64B14.06B15.79B16.92B17.09B17.46B
Total Liabilities7.37B7.57B-7.94B7.58B8.29B8.94B8.85B9.32B9.12B9.71B9.40B9.97B10.64B11.25B12.00B12.38B12.85B12.97B12.33B13.95B14.99B15.23B15.56B
Total Equity801.63M852.15M-973.87M1.01B1.99B1.84B1.75B1.75B1.77B1.81B1.87B1.84B1.73B1.66B1.69B1.76B1.70B1.67B1.73B1.84B1.93B1.86B1.89B
Cash370.30M389.12M-118.59M164.03M231.31M132.38M307.05M743.74M294.85M308.26M286.00M181.40M155.37M231.24M268.22M269.77M275.14M498.03M488.33M369.56M466.75M463.72M429.44M
Total Debt105.43M--717.38M25.10M-498.03M70.16M70.16M291.71M615.73M820.86M1.19B2.22B2.77B3.71B3.75B3.94B3.57B3.13B4.82B5.30B4.82B4.90B
Net Debt-264.87M-389.12M-598.79M-138.92M-231.31M365.65M-236.89M-673.58M-3.13M307.47M534.87M1.01B2.06B2.54B3.44B3.48B3.66B3.07B2.64B4.45B4.84B4.36B4.47B

Cash Flow

Currency: USD2004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Operating Cash Flow-53.59M-95.72M356.15M273.44M29.00M272.02M116.52M135.57M155.63M140.81M103.51M102.10M84.91M101.17M92.11M103.00M121.80M83.16M38.93M46.57M88.60M82.42M
Investing Cash Flow-246.56M-315.33M130.00M-1.30B-1.16B118.97M-125.87M-392.40M-741.36M145.19M-668.65M-600.39M-454.38M-754.81M-474.86M-341.98M147.58M547.36M-1.88B-1.01B-124.71M-383.98M
Financing Cash Flow76.20M366.20M-353.54M1.61B428.79M-216.32M446.04M-192.06M599.15M-308.26M460.55M472.25M445.33M690.62M384.30M244.35M-46.48M-640.22M1.72B-58.95M33.08M267.28M
Capital Expenditure3.45M1.42M3.49M8.42M5.17M4.24M4.40M2.62M7.33M2.82M2.82M5.52M9.13M4.15M8.37M3.78M3.21M1.34M2.70M5.25M3.06M11.45M
Free Cash Flow-57.04M-97.14M352.66M281.86M23.84M267.77M112.13M132.95M148.29M137.99M100.69M96.58M75.79M97.02M83.74M99.22M118.59M81.82M36.23M46.57M85.54M70.97M
Dividends Paid----13.80M19.68M15.56M0004.89M19.49M23.41M27.71M37.63M50.47M55.47M56.64M58.30M58.29M58.95M59.53M
FCF to OCF106.44%101.48%99.02%103.08%82.18%98.44%96.23%98.07%95.29%98.00%97.28%94.59%89.25%95.90%90.91%96.33%97.37%98.39%93.06%100.00%96.54%86.10%
Dividend Paid to FCF----57.91%7.35%13.88%0.00%0.00%0.00%4.85%20.18%30.89%28.56%44.93%50.86%46.77%69.22%160.91%125.18%68.92%83.89%

Earnings

Report DateAug 14, 2007Dec 18, 2007Feb 11, 2008May 8, 2008Aug 6, 2008Nov 25, 2008Feb 4, 2009May 6, 2009Aug 5, 2009Nov 13, 2009Feb 1, 2010May 5, 2010Aug 4, 2010Nov 10, 2010Feb 9, 2011May 4, 2011Aug 3, 2011Nov 16, 2011Feb 1, 2012May 1, 2012Jul 30, 2012Oct 30, 2012Jan 30, 2013Apr 25, 2013Jul 30, 2013Oct 30, 2013Jan 30, 2014Apr 24, 2014Jul 30, 2014Oct 29, 2014Jan 29, 2015Apr 30, 2015Jul 30, 2015Oct 30, 2015Jan 28, 2016Apr 28, 2016Jul 28, 2016Oct 27, 2016Jan 30, 2017Apr 28, 2017Jul 27, 2017Oct 30, 2017Jan 30, 2018Apr 30, 2018Jul 30, 2018Oct 29, 2018Jan 30, 2019Apr 30, 2019Jul 30, 2019Oct 30, 2019Jan 30, 2020Apr 30, 2020Jul 30, 2020Oct 29, 2020Jan 28, 2021Apr 29, 2021Jul 29, 2021Oct 28, 2021Jan 27, 2022Apr 28, 2022Jul 28, 2022Oct 27, 2022Jan 26, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Jan 30, 2024Apr 30, 2024Jul 30, 2024Oct 30, 2024Jan 30, 2025Apr 30, 2025Jul 30, 2025Oct 30, 2025Jan 29, 2026Apr 30, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate--0.050.060.040.030.030.020.010.020.020.020.020.02-0.010.010.010.030.030.030.030.010.020.030.030.050.050.050.060.060.050.060.050.060.060.060.070.070.070.070.070.080.080.090.090.080.080.070.070.060.060.050.050.060.070.070.060.060.060.060.060.080.080.070.040.050.060.060.060.060.060.070.080.080.090.080.080.09
EPS Actual-0.060.050.060.050.020.040.040.020.03-0.040.030.010.03-0.04-0.020.010.020.030.030.000.000.000.040.040.050.050.050.050.060.050.060.050.060.080.060.070.070.080.070.080.080.080.090.080.070.080.070.070.060.080.080.060.100.050.090.080.060.060.060.060.060.090.080.060.060.070.070.070.070.060.080.070.080.090.080.080.11-
Surprise--20.00%-16.67%-50.00%33.33%33.33%0.00%200.00%-300.00%50.00%-50.00%50.00%-300.00%-100.00%0.00%100.00%0.00%0.00%-88.67%-90.33%-64.00%100.00%33.33%66.67%0.00%0.00%0.00%0.00%-16.67%20.00%-16.67%20.00%33.33%0.00%16.67%0.00%14.29%0.00%14.29%14.29%0.00%12.50%-11.11%-22.22%0.00%-12.50%0.00%-14.29%33.33%33.33%20.00%100.00%-16.67%28.57%14.29%0.00%0.00%0.00%0.00%0.00%12.50%0.00%-14.29%50.00%40.00%16.67%16.67%16.67%0.00%33.33%0.00%0.00%12.50%-11.11%0.00%37.50%-
Timing--Pre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap4.61B
Enterprise Value9.87B
Trailing P/E47.00
Forward P/E76.92
PEG Ratio72.62
Price / Sales13.29
Price / Book2.36
EPS0.35
Book Value7.02
Revenue (TTM)347.23M
Gross Profit (TTM)347.23M
Profit Margin29.39%
Operating Margin45.41%
Return on Equity5.31%
Return on Assets0.58%
Shares Outstanding280.44M
Shares Float50.41M
Beta0.73
Dividend Yield7.60%
Dividend Rate1.27
Payout Ratio3.24%

Analyst Ratings

Hold
Based on 2 analystsTarget 19.00
  • Hold
    2

Ownership Breakdown

Institutions
94.88%
Insiders
0.45%
Retail / Other
4.67%

Top Institutional Holders

  • BlackRock Inc
    3.75M1.34%
  • Dimensional Fund Advisors, Inc.
    2.96M1.06%
  • Renaissance Technologies Corp
    2.55M0.91%
  • State Street Corp
    2.36M0.84%
  • Vanguard Capital Management, LLC
    2.36M0.84%
  • MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd.
    2.32M0.83%
  • Vanguard Portfolio Management, LLC
    2.29M0.82%
  • Lakewood Capital Management, LP
    2.07M0.74%
  • Bank of New York Mellon Corp
    1.87M0.67%
  • Geode Capital Management, LLC
    1.17M0.42%
  • Cramer Rosenthal McGlynn LLC
    1.16M0.41%
  • Bank of America Corp
    1.01M0.36%
  • Morgan Stanley - Brokerage Accounts
    796.57K0.28%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    1.78M0.64%
  • WisdomTree US SmallCap Dividend ETF
    1.49M0.53%
  • Vanguard Small Cap Index
    1.29M0.46%
  • Global X SuperDividend™ US ETF
    1.01M0.36%
  • State Street® SPDR® S&PRgnllBkgETF
    1.01M0.36%
  • Global X SuperDividend™ ETF
    822.01K0.29%
  • Vanguard MStar Small Cap Growth Indx Inv
    736.63K0.26%

Dividends

20263×
0.32Sep 9, 20260.28Jun 10, 20260.28Mar 11, 2026
20254×
0.28Dec 2, 20250.28Sep 10, 20250.28Jun 10, 20250.28Mar 6, 2025
20244×
0.28Dec 3, 20240.28Sep 10, 20240.28Jun 11, 20240.28Mar 6, 2024
20234×
0.28Nov 28, 20230.28Sep 11, 20230.28May 26, 20230.28Mar 6, 2023
20224×
0.28Nov 28, 20220.28Sep 2, 20220.28Jun 6, 20220.28Mar 7, 2022
20214×
0.28Nov 29, 20210.28Sep 3, 20210.28Jun 7, 20210.28Mar 8, 2021
20201×
0.28Nov 30, 2020